BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-03
Company: ALLY FINANCIAL INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To The XXXX XXXX XXXX. This content below outlines a complaint in which Ally banks utilization of the HARP2 program resulted in a devalued property, the loss of any equity and making the owner continue paying private mortgage insurance for the majority of the loan duration. 

Background : In XX/XX/XXXX I refinanced my mortgage under the HARP 2 program to shorten the length of the loan lower the interest rate and utilize the streamlined process where less supporting documentation was required Ally bank was the loan service provider during the refinance during the refinance process Owners of the mortgage : o XXXX XXXX/Ally bank : XX/XX/XXXX-XX/XX/XXXX ( loan No : XXXX ). 
Issues : 1 ) During the refinance using the HARP2 program, Ally bank undertook a property evaluation ( an IPV ) without my knowledge in which the property was not physically evaluated and the report was not included in the mortgage documents ( not in my copy and neither in the archived documents kept by XXXX XXXX [ current provider of the mortgage ] ). 
2 ) The refinance went through and only later when I enquired about dropping the PMI the scope of the issue became apparent. This assessment was {$210000.00} as opposed to the original value of {$380000.00} and my refinance had a loan to value ratio of 152 % and thus would be forced to pay PMI for the majority of the loan. Before the refinance my loan to value ratio was 88 % 3 ) I contested the appraisal and XXXX, the current owner of the mortgage investigated and could not find any documents about the appraisal and submitted request to reject the Ally bank appraisal. The review board rejected my request noting that they did in fact have an appraisal and provided me with their information. The information provided me ( see enclosed ) was not an appraisal. It only provided their appraisal figure and noting that it was a single dwelling condominium. 
4 ) I believe that the appraisal ( an IPV ) had some erroneous information leading to an inaccurate valuation. Property tax data lists the property at {$400.00}, XXXX. Further comparable properties within the same complex with the same number of bedrooms, bathrooms and pool have sold between $ 420,000- {$430000.00} ( see enclosed ). Comparable properties within the local vicinity ran from {$330000.00} to {$480000.00} ( see enclosed ).

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 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act everything on my credit report has to be 100 % accurate. 
the credit Bureaus stated that my account was properly investigated on numerous occasions. how could that be possible if for XXXX XXXX with account number XXXX the account number is different on XXXX from XXXX and Transunion, XXXX does not have an account type, the date open is inaccurate, the date last active is inaccurate, date of last payment is inaccurate and payment history is inaccurate on all three bureaus. 
Also, for XXXX XXXX with account number XXXX, the account type is inaccurate, the credit limit is inaccurate, the date open is inaccurate, the term is inaccurate, the past due balance is inaccurate, the credit limit is inaccurate, the date open is inaccurate, the date last active is inaccurate, and the date of last payment is inaccurate. 
these are grounds for removal, and they also violated my rights under 15 U.S.C 1681 section 602 A, which states that I have the rights to privacy. 15 U.S.C 1681section 604 A, section 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX with account number XXXX and XXXX XXXX with account number 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 2017-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have contacted transunion, XXXX and notified them that there where several unauthorized inquires on my credit and for them to remove them. First they did n't even care to help me over the phone and just told me I had to file the removal online and also call the creditor to try to remove the inquires first. But over and over I told them that it was unauthorized and I should n't need to do there job for them and that it was there job to remove it. 

I will list the inquires at the bottom that where not done by me and shame on transunion and XXXX for trying to ruin my credit. 

XXXX XXXX Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number BYMAILONLY Address XXXX XXXX XXXX XXXX XXXX  XXXX Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number BYMAILONLY Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Complete Department Stores Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX 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 2017-10-03
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
To Whom It May Concern I recently purchased my first home utilizing the services of XXXX XXXX in XXXX, PA. At the time of closing XXXX XXXX informed me that my mortgage would most likely be sold being that it is an FHA mortgage and that it would either go to XXXX XXXX or Chase. I was crossing my fingers chase would get my mortgage as I already had a credit card account with them. Well a few weeks later my " wish '' was granted and chase was my new mortgage holder. I then noticed one day my mortgage was listed on my online portal so I did not have to do any data entry or payment entering everything was rather seamless. Well here we are not even 4 months after buying this house and I get a notice that " XXXX XXXX a XXXX XXXX '' is my new payor. I have had trouble since the start, their system hasnt updated and I cant create a log in, it takes 20+ minutes to get someone on the phone there. I called Chase and asked them to reconsider transferring my mortgage but that fell on deaf ears. I am writing this government agency as you were designed to help me the consumer in situation with dealing with financial institutions, so help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: EQUIFAX, INC.
State: KS
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:
In XXXX, XXXX I was filling out applications for employment at XXXX XXXX when their databases were hacked. Those who used the XXXX XXXX site received notices to contact all ( 3 ) Credit Bureaus and request a long term freeze and fraud alert for their credit bureau files. I wrote letters to all ( 3 ) credit bureaus with the information the XXXX XXXX gave me and a request for a fraud alert, freeze, and removal of the fraudulent data. All three wrote me back and confirmed these requests, however, on XXXX XXXX, there was a fraudulent request for credit on my credit report and my updated address ( XXXX XXXX XXXX XXXX, XXXX, KS XXXX ) and the removal of my old phone # ( XXXX ) XXXX had been taken care of. But they did not put the freeze on and they allowed someone to put a hard hit on my credit report for XXXX XXXX in XXXX XXXX, Californiia. They allow people to pull without reason from citizens ' credit reports. Please help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: LEXISNEXIS
State: WI
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:
I never authorized LexisNexis to obtain my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 never opened an account with this company I dont even own this company the name XXXX XXXX, I lived in XXXX NY and this business is in XXXX I dont even have a clue who is this. I even reached out to the company letting them know I have known ideas who is this but they keep sending me bills and even have it on my credit report the name of this company is 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 2017-10-03
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 informed Transunion that the Alabama XXXX XXXX Account do not belong to me. I have had a difficult time trying to get Transunion to remove this inaccurate or fraud item from my credit file. Please assist me in getting this account removed from my credit file.

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 2022-04-07
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, everything on my credit Report should be 100 % Accurate. The Credit Bureau stated that my account was properly investigated and updated on numerous occasions which could not be possible when XXXX XXXX with account number XXXX has various discrepancies on all three bureaus such as inaccurate open date, inaccurate date last active, inaccurate account number, inaccurate account type, inaccurate date of last payment and inaccurate payment history and XXXX XXXX with Account number XXXX has inaccurate account type, inaccurate, inaccurate credit limit, inaccurate date last active, and inaccurate date of last payment. these inaccuracies are grounds for removal. 
They also Violated my rights under 15 U.S.C 1681 section 604A which states that I have a right to privacy. 15 U.S.C 1681 section 604 A, section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX refuses to remove all name variations, addresses and addresses I am not associated with from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: NFM, INC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am a XXXX XXXX XXXX Veteran that has served the country for the past XXXX years. Because I am 100 % total and permanent XXXX XXXX  says I don't have to pay property tax. I've turned in all documents to my mortgage company NFM Lending on XXXX XXXX, 2021, XX/XX/XXXX and XX/XX/XXXX. The required documents included a tax bill from the State of XXXX for XXXX to XXXX, a letter from XXXX XXXX Department of Taxation showing that, and an updated tax bill showing that exemption has been granted. Every time I call for a status I am told that I haven't turned in something. I've called XXXX  times and told a different reason. Once I turn in that document then I'm told oh you need " this this and this ''. I was told the last time that the letter doesn't show how much is get discounted. I explained that the Tax Article listed on the document from XXXX XXXX  Dept of Taxation is for complete exemption. I asked them to even look up the article and read it for themselves. I am in need of assistance in this. Feel like this company is being taking advantage of Service members and they don't want to do what's right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I would like to address this matter, I would also like to bring to your attention that this is my second attempt to have this looked at. I have an account with Keybank account # XXXX the reason for writing is in regards to a late reported in XX/XX/2020. I was unable to make the payment due to covid. As soon as I was able to I got the account caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This letter is formal complaint that credit Bureau has failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date.

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify and deleted : 1. Balance of the account is incorrect. Other information I would like changed XXXX  XXXX Account Number : XXXX Please investigate and delete from my credit report. 


The listed item is entirely inaccurate and incomplete, and represents a very serious error in my credit report. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

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 2019-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
In XXXX of 2017 I purchased a car from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WI XXXX I applied for credit - but did NOT authorize them to check several lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
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 notified XXXX and Transunion that the XXXX XXXX account was open as a result of identity theft. I have provided them with a FTC report and this account is still showing on my credit file. Can you assist me in getting this matter resolved once and for all.

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 2021-06-11
Company: Experian Information Solutions Inc.
State: IL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a FTC report to all of the three credit bureaus regarding fraudulent items on my credit report. To this day over 56 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 56 days so they should be deleted promptly. I demand these item to be deleted immediately or I will file for litigation due to the stress you have cause me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-04-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I have identity theft, there is a credit card that is not mine on my credit report from XXXX Bank that is not mine which was Opened XX/XX/22. I called the bank and they will not close or freeze the account without the application ID. I had filled out an application for a XXXX XXXX card in flight XX/XX/22 and you give the application to flight attendant. The bank told me the card only has my SS and they need me to call Experian. 
I have tried for 2 days and can not get a person on line only a recording that disconnects me eventually. I have spent hours trying. I called XXXX and they said I need a person at Experian but how? I was trying to save them {$16000.00}, help!! 
There is an incorrect name on my credit report, I do not know if this is part of it, if I could speak to a person and have it removed.

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 2017-12-26
Company: Total Card, Inc.
State: AZ
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:
Requested verification, validation, as they are clearly reporting incorrect info to the major credit bureaus. Sent letters to XXXX XXXX XXXX XXXX XXXX AND XXXX, XXXX, and XXXX to which they all say they 've verified the account. However, if they had properly verified anything they would have noticed all of the inaccurate info as I did. I have copies of current credit reports, and letters from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Lien Enforcement Inc
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a collection notice from Lien Enforcement Inc. for Tow and Storage fees incurred in late XXXX on a car donated to a California charity in XXXX. I responded to the notice via certified mail that I was not liable for the debt and included a copy of the DMV release of liability dated in XXXX. The certified mailing was signed for on XX/XX/XXXX. 

On XX/XX/XXXX, I received a voicemail requesting that I contact Lien Enforcement Inc. On XX/XX/XXXX, I received a second voicemail from Lien Enforcement Inc the agent left the name XXXX XXXX XXXX I called back and had a conversation with XXXX XXXX. During this conversation I stated that I was not liable for the debt and had sent evidence of that via certified mail. During this conversation XXXX XXXX stated that I was liable because I had failed to provide a smog certificate as required under CA XXXX XXXX Section XXXX. This is a false statement as the vehicle was transferred to an entity exempt from the provisions of section XXXX as part of a charitable donation. He also stated that it was fortunate that this matter was not yet in court and that it " had not yet impacted my credit. '' He went on to state that he might be able to work with his boss to reduce the amount owed. He offered to send me documents in his possession that showed that I was liable for the debt. I agreed that he should send me these documents via certified mail to my home. I also stated that any further communication should be by mail only. I restated that I was not liable for the debt before hanging up. 

I appreciate any assistance in resolving this issue on a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: EQUIFAX, INC.
State: GA
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:
Only disputed one account which is XXXX XXXX XXXX not my account. As Equifax requested, I sent a request to the creditor XXXX XXXX XXXX via 3 certified mail and no response or verification of account from the creditor : XXXX ; XXXX ; and XXXX. Last letter sent creditor refused to sign for letter. XXXX and XXXX have deleted account after creditor fail to validate account. Sent new certified letters today to creditor XXXX and 2nd letter Equifax. XXXX. Requesting monetary value of $ XXXX from Equifax for value of reporting account as it is damaging my reputation. Will seek damages from company also.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 filed XXXX to Transunion, XXXX & XXXX XXXX have XXXX XXXX XXXX off my credit report alone with the address XXXX XXXX XXXX XXXX La XXXX which XXXX XXXX, there is fraud alerts placed on each bureau still no changes & it 's affecting me. Can you please investigate and have this removed from all XXXX credit bureaus.

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