BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XX/XX/XXXX a credit inquiry for XXXX  XXXX was placed within my XXXX, XXXX, and Tranunion credit report. I contact the three bureaus to get them removed however they refused and told me I had to contact the company. So that's what I did. 

I called XXXX XXXX multiple times to get these resolved. After a few weeks they finally sent me a letter saying they advised the three bureaus to remove the inquiry from my report. However, the inquiry remained. I then contacted all three bureaus and sent them a copy of the letter ( attached ) sent to me from XXXX XXXX. The inquiry was removed from XXXX and Transunion, but XXXX still won't budge. 

Now, the XXXX XXXX inquiry was reinserted to all three reports dated XX/XX/XXXX. I now have TWO unauthorized inquiries ( XX/XX/XXXX & XX/XX/XXXX ) on my XXXX report, and one unauthorized inquiry on XXXX and Transunion ( XX/XX/XXXX ) - all from XXXX XXXX. 

I have NEVER held nor applied for an account with XXXX XXXX.

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 non-monetary relief
Consumer complaint received 2020-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Ive been a victim of identity theft, these accounts do not belong to me

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 2021-11-08
Company: EQUIFAX, INC.
State: TX
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:
Over the past week they have recalculated my score when there has been no new reports from creditors. On XX/XX/21 score dropped XXXX points I called and spoke to rep and he said he didnt see anything that would cause score to drop. He said it would be recalculated and should be fixed and it was it went back to XXXX on XX/XX/21. On XX/XX/21 it went down XXXX points. Nothing new had happened on account since it went up on XX/XX/21. I called in and an agent was naming off stuff that had been on account for years and I said that shouldnt cause it to drop as those things were there when it went up to XXXX. Then they said well give it a few days and see. Well that would mean they are recalculating scores more than 3 times a month which can severely affect credit and ability to get things like a house which Im trying to do. They pull credit at the beginning and end of buying and equifax just randomly and superfluously pulling scores or recalculating them and decreasing them erroneously when NOTHING has changed seems almost criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian has been decreasing my credit score every other month based on old account that have been resolved and/or other information that I am not aware of. My credit score was dropped XXXX points in XXXX and then XXXX points in XXXX. 

I pay my extra on my credit cards every month and I am not behind on any of my accounts. 

Please investigate and review this issue. 

Thank you, XXXX XXXX

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 2018-01-30
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I closed my home in XX/XX/XXXX. On XX/XX/XXXX XXXX I received in the mail a delinquent property tax notice from XXXX County in the amount of {$1500.00} including {$31.00} in penalties. My daughter lives at the property. It was also stated on the notice that this amount must be paid by XX/XX/XXXX to avoid advertisement for lien on the property. 
I purchased the house with my daughter on XX/XX/XXXX and at that time an amount {$1600.00} for 13 months of payments at {$130.00} per month was accounted for and deducted from proceeds for payment of property taxes. Settlement statement Item : G line 3 under Other Costs. 
However, it appears the XXXX tax bill was never paid by Penny Mac from the escrow account ( in fact the money is still sitting there ) and has become delinquent.

My daughter called the mortgage company on XX/XX/XXXX and was told that the escrow company would be contacted and requested to take care of issuing the funds to XXXX County. 

My daughter called again yesterday to make sure the check was in process and spoke to XXXX but was told that the check has NOT been disbursed one week later it is still pending. The representative today also told my daughter that she would alert Escrow to get the funds dispersed ... AGAIN. 

As I do not have a record of the two phone calls, after my daughters phone call, I sent a letter as written notice of error yesterday to Penny Mac. 
I also stated that if any damages are incurred due to this error, a formal complaint will be filed with Federal and State Agencies and CFPB. 
As {$31.00} of the due amount is a penalty, I refuse to pay that part. Penny Mac should do so. 
I just checked my mortgage account online and funds have still not been disbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This involves prior complaint # XXXX. Wells Fargo carried out unauthorized transaction on my son 's account.

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 2022-07-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My name is XXXX XXXX, owner of the property at XXXX XXXX  XXXX XXXX, XXXX, DE XXXX ( Mortgage Account # XXXX ). I am writing to report and complain about Select Portfolio Servicing, a Mortgage company. 

In XXXX, I bought my property at XXXX XXXX XXXXXXXX XXXX, XXXX with a XXXX XXXX XXXX mortgage lender for {$230000.00}. My family and I lived in the house until XXXX when my wife filed for divorce after completing her XXXX graduate education. The Family Court ruled that we sell the house against my will and asked me to move out while my wife stays there until the sale. I immediately communicated with SPS about the sale - short sale. They repeatedly requested documents upon documents including my divorce decree, paystubs, and every possible requirement which I provided. I also secured two realtors, XXXX XXXX XXXX and XXXX XXXX who helped spent over {$15000.00} on renovating the property. SPS approved short sales over five times. 

In the process, we found more than five ( 5 ) buyers, but SPS refused to let us sell the property. We even found buyers after renovations who were willing to buy the property for over {$200000.00}. Every time we are about to proceed to close, SPS will reject the offer to the point that our last offer from a buyer which was {$220000.00} was rejected. Yet, SPS decided to put the property up for a XXXX 's sale for {$170000.00}. The clear motives of SPS are fraudulent. The endgame is to take the property from me by force and then turn around and sell it to make double profits.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Spoke to an escalations analyst on XX/XX/19 who stated that an executive administrator would give me a phone call on XX/XX/19 in regards to the numerous concerns that I have informed Capital One of. As of XX/XX/19, I have still not been given a phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I submitted a dispute letter to Transunion stating and labeling specific inaccuracies with a Negative Account named XXXX XXXX - XXXX. 
I ask for a specific investigation into elements of this inaccurate reporting. I then also ask for documentation from the investigation as well as the Method Of Verification for this investigation. I got neither a Method of Verification documents nor did I get a investigation to my disputes at all. 
the original dispute letter which I uploaded to this complaint along with the suppoorting documentation proving and showing inaccuracies for the negative account XXXX XXXX. This is the same information I mailed to Transunion on the XXXX. 
this has been well over 30 days and as of the 31st day Transunion is in violation of the FCRA as it pertains to the dispute process as well as inaccurate and false reporting. 

Now to get to the nature of my dispute XXXX XXXX 1. Reporting 3 different payment status to all 3 Bureaus 2. Reporting 3 different Past Due amounts. XXXX- {$5800.00}, TU- {$0.00}, XXXX- {$5300.00} 3. Reporting 3 different Balance amount, XXXX, TU- {$0.00}, XXXX- {$5800.00} 4. Date of last payment is not the same across the 3 Credit Bureaus. By looking at the documentation I submitted. 
These are just some of the multitude of errors that I disputed specifically and no investigation was ever started.. 
A FURNISHER CAN NOT FURNISH 3 DIFFERENT VERSIONS OF SUPPOSEDLY THE SAME ACCOUNT TO 3 BUREAUS 3 DIFFERENT WAYS. 
It's obvious that Transunion did not do a complete and thorough investigation, and did not rely on any of the proof that I sent them

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 2019-06-27
Company: Experian Information Solutions Inc.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello I have included attachment of my id and proof of address, the credit bureaus seems to have improper accounts and information reporting and I am asking that these items be removed. This is a violation of the FCRA XXXX : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ) THESE ACCOUNTS HAVE NOT BEEN PROPERLY INVESTIGATED AND I HAVE CALLED AND DISPUTED THESE ITEMS BEFORE. 

EXPERIAN : Previous Address ( es ) : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, TN XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX THESE ACCOUNTS HAVE NOT BEEN PROPERLY INVESTIGATED AND I HAVE CALLED AND DISPUTED THESE ITEMS BEFORE. 

XXXX : Previous Address ( es ) : XXXX XXXX XXXX XXXX, TN XXXX, Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Account Number : XXXX THESE ACCOUNTS HAVE NOT BEEN PROPERLY INVESTIGATED AND I HAVE CALLED AND DISPUTED THESE ITEMS BEFORE.

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 non-monetary relief
Consumer complaint received 2021-11-08
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX, I contacted Citi ( Best Buy VISA ) customer service via secured message to inform them of expected travel dates. The following automated response was sent back : " We appreciate the opportunity to assist you and hope the following addresses your inquiry. 

Our Fraud Early Warning department can customize a travel suppression to accommodate your needs while traveling. Please contact Customer Service at the phone number shown at the bottom of any Account Online screen within 24/48 hours of your pending travel. When you call, a representative will ask you for the following information and can discuss international or foreign fees : 1 ) CARD NUMBERS YOU WILL BE USING 2 ) WHEN TRAVEL WILL BEGIN 3 ) WHEN TRAVEL WILL END 4 ) WHAT STATES WILL YOU BE USING CARD 5 ) ESTIMATED TOTAL AMOUNT YOU WILL BE CHARGING 6 ) ESTIMATED NUMBER OF TRANSACTIONS 7 ) PHONE NUMBER WHERE YOU CAN BE REACHED.

We trust that our response has addressed your inquiry. If not, please reply to this message or contact one of our Customer Service representatives at the phone number shown at the bottom of any Account Online. '' May I refer to a previous complaint # XXXX that was filed for this exact same issue with this credit card company. In their response, I was advised that these security measures were not needed and that their office had notated my account accordingly with regard to the travel notification. Unfortunately, I am finding myself with this same problem and their last message was " we'll get back to you. '' I will be leaving on my trip on XXXX. 

For this reason, I request your office 's assistance in getting this matter resolved, as I believe that I have communicated adequately and securely with this company only to be ignored. Thank you for you consideration of this complaint. ''

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 2021-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 opened an account with XXXX on XX/XX/XXXX and after speaking with XXXX, they stated they have been reporting this account to TransUnion since XX/XX/XXXX but TransUnion has never reported this good standing account on my credit report. 

Based on the FCRA all information on the consumer credit report should be 100 % accurate. 

TransUnion should add my XXXX account to my credit report and report all of the good paying history since the time XXXX has been reporting it to them which is XX/XX/XXXX.

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 2021-11-08
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Navy federal credit union overpaid themselves on a mortgage closing so that they could collect money from me on another unrelated debt i have with them. They opted to transfer the money into a closed checking account instead of mailing me a check then debited the money immediately to pay themselfs. After calling them to ask why they got extremely rude and hung up on me. I belive they purposely did this overpayment by manipulating the closing documents and this should be looked in to much closer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hi. I had a student loan that was originally through XXXX XXXX XXXX, but that has been sold to ultimately Navient. I fell behind on the student loan and it became delinquent. After a few changes in my situation and a settlement offer by a debt collection agency contracted by Navient I was able to settle the debt on XX/XX/XXXX. After the settlement was completed, I was instructed to call 30 days later to obtain my settlement receipt, but I ran into the issue that the loans was supposedly sent back to collections and that the loan was not settled or the settlement was not approved. The collection agency that has received the money, sent me finally around XXXX XXXX a settlement receipt and forwarded the paperwork again to Navient to update the status of the account. In XX/XX/XXXX I was again harassed by two different collection agencies and Navient themselves, trying to collect on a already settled account. After two weeks of calling back and forth and emailing, faxing and mailing copies of that settlement receipt phone calls from all collection agencies stopped and I contacted Navient to obtain a copy from them of the settlement receipt ( the Navient settlement receipt, not the one that I sent them ). It took repeated calls since XX/XX/XXXX, with almost weekly calls to finally receive the receipt on XX/XX/XXXX. Navient instructed me also that they would update my credit report about this settlement by XX/XX/XXXX. No updates have been made and I again have repeatedly called them to request them to update it. They flat out refuse to update it and are giving me the run arounds, wanting me to send them various pieces of information like the settlement receipt and a current copy of my credit report to them and then file a dispute with them, which representative stated may take up to a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX and/or the credit bureaus are reflecting late payments on my credit files from XXXX and XXXX although a retroactive forbearance was in place. Moreover, the late payments are essentially more than seven ( 7 ) years old. This information has been disputed directly with XXXX and with the credit bureaus and is potentially pending litigation.

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 2019-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Since XXXX of 2018, XXXX XXXX has been charging both our credit cards from XXXX and Capital One. However, we never used our credit cards at our local XXXX store but if any, we used cash or our XXXX debit card. There have been unauthorized charges going on for over a year which we only caught recently as they were small purchase amounts. However, this kept occurring even with cards reported as lost. Even with the new numbers XXXX was able to charge us. One charge occurred miles away from where I was sitting at dinner with friends and in possession of the card. At first, XXXX and Capital One did investigate and determine that those were fraudulent charges but since then they claim since it was used with chip cards, those charges must have been legitimate and basically tell us, the customer, that we are lying. 
We are outraged since theres no protection against the fraud and wrongful accusations.

Company response to consumer: Closed with monetary relief