BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted all three credit bureaus about my stolen identity, I noticed on my credit reports that there was multiple inquiries placed on my report in XXXX, I quickly contacted the creditors and asked them to remove them from my report since these inquiries were fraudulently placed and they said it was nothing they could do about the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I do not want my name, address or state published. My wife and I are members of Navy Federal Credit Union 37 years now, I am retired XXXX, and 100 % XXXX with the VA for XXXX and other medical ailments. in or about XXXX my wife and I got way over our heads in dept and had to file bankruptcy. Navy Federal Credit Union was one of our creditors that took a loss. From XXXX to XXXX Navy Federal has told us we can only have a checking and savings accounts, no visa, no loans of any kind! In XX/XX/XXXX we found out about the VA XXXX loan refinance which would have been great as our present loan was at 4.625 %. We contacted some banks to get the lowest rate well Navy Federal Did? 2.7 %, at 2.5 points, Balance on our present loan was {$400000.00}, Navy Federal said we did not need to pay any money upfront all would be rolled into the loan so the total we had to refinance would be {$420000.00}. My wife and I asked several times over the past 30 days did Navy Federal Change its policy IRT members declaring bankruptcy and Navy Federal taking a loss? We were told yes? We filled out all paper work submitted it, we received notification that our POC in the loan dept was? we contacted the individual and received an out of office reply that he just started his two week vacation? So after complaining we were assigned a new individual, we worked with him for the remainder of the 30 day period and he was a supervisor, he informed us around the XXXX of XX/XX/XXXX that we would close on XXXX XXXX XXXX up until XXXX XX/XX/XXXX my wife and I heard nothing further on closing, so we contacted our NFCU loan rep and he stated we are still waiting for your mortgage company to send us the payoff amount? We will have to close sometime next week? So XXXX XXXX to XXXX XX/XX/XXXX we hear nothing? then on XXXX XX/XX/XXXX at XXXX in the afternoon our NFCU loan rep calls us and says after our underwriting did a final check a red flag came up on your account that 22 years ago Navy Federal Credit Union took a loss when you filed bankruptcy and it is NFCU 's policy that we can not make any loans due to prior loan loss. so I told the NFCU rep we were totally disgusted and have been led on by the banks inattention to detail, Providing my wife and I with a false hope of getting an IRRRL loan for over a month, we fully disclosed everything about our bankruptcy, but the banks excuse is we apologize it was an unfortunate oversight on our part? My wife and I both have credit scores at or over XXXX!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing this account for quite some time. I am still waiting for it to be removed. I do not recognize this account and have asked Transunion for them and XXXX XXXX to verify account and send me documents verifying the account or to please remove from my report. Now they have added an extra {$18000.00} to the account. I would like to have this removed as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: Klima, Peters & Daly, P.A.
State: DE
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a debt which has a court ordered garnishment. I have asked for a balance and statement that shows what has been paid and what the balance is. I would like to see how the interest is being calculated. I have reached out to the company, but they have not sent me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Someone has access to my personal information. There are inquiries on my personal credit report that I did not authorize. I want these inquiries removed immediately. XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Source Receivables Management LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company I contacted in regard to the debt collection has responded but to my surprise they tell me that my account for XXXX, which I've never had, was opened on XX/XX/. Which is entirely impossible because I was a legal XXXX  at the time. I know for a fact XXXX would not allow a XXXX  to shop with them. Unless XXXX did something without my permission .... The debt is for {$660.00} but I refuse to pay because it is not my debt. Clearly it is not. Since when is it okay for a child under XXXX to go to XXXX? Its not. I expect this case to be dealt with delicately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: Ocwen Financial Corporation
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ocwen Loan Servicing, LLC sent correspondence entitled " Friendly Reminder Notices '' to my wife and I dated XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ( see attached ) ; however, during this time, we were set up on direct withdrawal from our joint checking account in which two ( 2 ) payments each month ( in order to pay the Mortgage sooner ) were auto-deducted from our joint checking account and paid directly to Ocwen Loan Servicing, LLC.  Through correspondence dated XXXX and XXXX from a company called " XXXX '' offering to provide loss mitigation assistance ( see attached ), it appears that Ocwen Loan Servicing, LLC reported our mortgage loan as delinquent to this and or other companies. Again, our mortgage was paid twice per month through auto-deduction from our joint checking account. Ocwen Loan Servicing, LLC sent correspondence purporting to be a past due notice dated XXXX ; however, again, our mortgage was paid twice per month through auto-deduction from our joint checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XX/XX/2020. I entered XXXX XXXX I extended them via my SSN card, expecting a consumer credit transaction. ( You entered me in a empty and fraudulent alleged contract ) In turn my contract was filled with Truth In Lending Act Violations. 

See labeled violations 1. 15 USC 1602 wording like US and We isnt defined in Truth In Lending. The wording is intentionally deceitful and misleading in an attempt to confuse me as the original creditor. Also is an attempt to mislead me into thinking Im the debtor. 

2. 15 USC 1605 Determination of a Finance charge clearly states the finance charge does not include charges of a type payable in comparable transaction, meaning there is never to be cash need or accepted in a consumer credit transaction items # 2 # 5 # 6 show I put {$1500.00} in cash in the transaction. 
Also # 4 shows I make monthly payments on a loan from Credit Acceptance Title 15 Chapter 41 does not define a loan I have no idea what that is. Im came in for a consumer credit transaction there is to be no cash involved. 

3. 15 USC 1605 Determination of finance charge, also states the finance charge is the sum of all charges. So why wasnt my on insurance ( XXXX, XXXX XXXX etc ) including in my finance charge. Total payments # 3 show cash given out amount, but the finance show lower amount which is the sum of all charges right?. 

4. 15 USC 1635 Right of rescission as to certain transactions, say the creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, any obligor in a transaction subject to this section the rights of the obligor in under this section I was never given disclosed of my right see attachments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX, EQUIFAX, AND XXXX have protected an entity called COURT. No address no other information to identify who is doing inquiries on my credit report as much as they did. The reason Fico, XXXX, Equifax and XXXX protects this company is to intentionally reduce a persons credit score and credit rating. Im atttaching all XXXX provides who this is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Southern Auto Finance Co
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Greetings, I have reached out to all theXX/XX/XXXX concerning inquiries reflecting on my credit report I did not approve. In this process, XXXX   provides the same reply every time and not providing the documents of how or who they spoke with to verify the information I am disputing. XXXX provided address information for the inquires reflecting my report - so far two on the inquiries mailing address was returned to the sender and not received. the other mailing addresses have not responded. 

I have enclosed a copy of the returned to the sender. 
I applied for a car in XXXX  and that car company allowed over 10 different companies to pull my credit. This car company did not ask for my approval nor provide the companies which they shared my personal information with. 

Neither of the companies which pulled and reviewed my credit without approval can not provide a signature, esignature, statement, voice recording of me authorizing this pull. Which is why I disputing the following accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX, Experian, XXXX... this company have done countless disputes some where answered and some they never even investigated. They have wrong information reporting for the last 5 years. They said it is accuracy and verified never investigated none of my complains. I only had one loan open at a time. And they made accounts that where good mixed them bad payments and on the other accounts that i opened with them they reported different information on accounts that's already closed. They refused to help me in this matter. XXXX deleted the whole accounts and then XXXX reported new information after 5years of disputing XXXX near. I wanted the accounts 100percent perfect payments. Its destroyed my credit and I cant even get a loan because of these people not doing there job. One lady at XXXX XXXX threated me and said the people that was helping me are amatures that she will make all of it bad or change the information to bad. They have dilibratly try to keep me i n the web of subprime and the world of bad credit. Please investigate!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/XXXX : I contacted Banana Republic XXXX regarding an Amazon charge for {$16.00} that I did not make. They informed me, they would have to cancel this card, as the charge was possible fraud. I informed them of an upcoming trip to NY on XX/XX/XXXX. And asked that the card please not be closed as I was traveling with my son and only have one card. They assured me the card would not be closed and to call back upon my return home. 

XX/XX/XXXX : XXXX hours into my XXXX XXXX XXXX I stopped for lunch, where my credit card was declined. I called Banana Republic XXXX customer service who informed me that my card had been closed. They could not reactivate. And I would receive a new card in 7-10 days. I stressed to them that No one mentioned this to me. I was 2+ hours away with my XXXX year old son. No other credit card. And only a bank card ( no logo ). 

I arrived at the hotel. I needed to call a family member to supply me with a credit card for a security deposit. Luckily this was an option for me. 

XX/XX/XXXX : I called banana republic visa to inquire about my card. They said they could resend a new card in 7-10 days. I told them this was unacceptable and asked it to be expedited, no response back. 

XX/XX/XXXX : I have still not received my new card. I called banana republic and asked that my card me overnighted. They refused, stating they do not do this. They offered 3-5 business days, to arrive on XX/XX/XXXX. 

I am completely disappointed with the companys lack of handling this situation. The misinformation given on XX/XX/XXXX could have left me and my son stranded XXXX hours away from home. If I was informed on XX/XX/XXXX that the card was going to be closed I could have made other arrangements, but this was not the case. 

The answer I received from banana republic visa customer service was figure it out. If the hotel had not let me in, I would have had to turn around and journey another XXXX hours home. 

It was scary to be placed in this situation being so far from home. The responses I received from the customer service team and the lack of willingness to help was unacceptable. This has been my main credit card I use for daily purchases, my card is in good standing, and I am disgusted with the way this was handled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: eCon Credit LP
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt does not belong to me. Please remove it and block it from my credit reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, I received an e-mail from XXXX Bank telling me that my checking account was overdrawn by {$3900.00}. When I checked my account statement, it told me that Barclays had made two {$4700.00} debits for my XXXX credit card payment. I checked my Barclays account to confirm that I had scheduled only one payment. I called Barclays to ask what had happened and the customer service rep said that there had been a computer problem, they were looking into it, but that there was nothing they could do to return the money to XXXX. The second payment to Barclays was not authorized. XXXX tried to stop the payment and I have to call XXXX to find out if they could do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Park Hill Holdings
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was denied from multiple homes and apartments because of an unlawful detainer case ( from XXXX years ago ) that was assigned to my file with SafeRent. 

It does not show up on my credit/consumer report or public records. I tried disputing directly with them and letting them know that there are multiple people in my county with the same first and last name. 

After sending them my dispute paperwork and emails, they told me ( less than 24 hours later ) that they verified the information with the court. However, after I checked with the court, there was no middle or last name associated with the case and there is no date of birth or social security number assigned to the case either. How was it verified? 

Our lease just ended on XX/XX/2023 ( on good terms ) and after paying around {$1700.00} in application fees and being denied EVERYWHERE we've applied, we reapplied to the apartments we literally just lived at for the past 7 years and were denied!!!! My family and I are literally homeless right now because of SafeRent. 

SafeRent 's ultimate solution was for me to just wait until it fell off my file in 6 months. Where are we supposed to live until then?!?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: Waypoint Resource Group, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collections account does not belong to me, however, the company refuses to remove it from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: AMERISAVE MORTGAGE CORPORATION
State: KS
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had originally applied for a refinance with Amerisave mortgage corporation on XX/XX/2019. This refinance was denied. I was texted by representative from the company on XX/XX/2019 stating that he felt horrible about loan not getting approved and had escalated the review of file and has approval from his team to close the loan the way we set it up initially. This was going to be a quick approval and that all I needed to do is sign the new disclosures. No appraisal would be required as initial appraisal would work since it was done with prior loan application. I was in the process of working with another lender and stopped that process as I was assured this was a " sure thing ''. The refinance application was submitted on XX/XX/2019and I was assured I would not take more than a couple weeks. I was given initial set of disclosures with a closing cost of {$8600.00} on an {$160000.00} loan. This is well above the average closing costs for a home loan of this amount. Then on XX/XX/2019 I was given another disclosure where the closing costs had shot up to {$10.00}, XXXX dollars making the loan amount now {$160000.00} dollars. The VA denied the loan based off of the points and recoup. I have read several reviews on this company and have found countless people that have been put in the same situation as I am currently in. This company is making false statements in order to get people to invest money and time with them only to be denied. The XXXX loan denial I was ok with as sometimes the numbers just do not meet up. The XXXX denial where I was assured it was a sure deal is false and malicious in nature and companies should not be able to conduct themselves in this manner. I have communication from the company and its representatives that states it was approved, that I would be more than happy to share. This has delayed my process with another company that I have worked with in the past and put my family in a bad financial spot as I was told to skip a mortgage payment as this one would close before it was do. This company can not continue to do this to people.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  ; Experian and XXXX are reporting incorrectly late on the XXXX XXXX   XXXX accounts. ( Please see pages 4 6 attached from my credit report, along with a spreadsheet outlining account numbers. ) These student loans are in deferment. I have attached a copy of the letter from XXXX XXXX dated XX/XX/2019 verifying an Administrative Forbearance on these student loan accounts. This incorrect reporting of late on these accounts is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 )  bureaus to remove these items however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation