BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-26
Company: DISCOVER BANK
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
There are two parts to my complaint. First, I applied for a student loan on XX/XX/XXXX because I was told by a representative with the company that Satisfactory Academic Progress was not a consideration for approval. I got approved for the loan and when they did a certification with my school, they denied the loan because of those SAP requirements. This caused an unnecessary inquiry on my credit because I was given misinformation and I had to call another lender and get the loan ( which was another inquiry ). I called the Discover and complained about this and asked how to remove the inquiry and they said they couldn't do anything for me, but they recommended getting a personal loan. 

At the time I was a little upset with them so I decided to get the student loan with someone else, but eventually decided on XX/XX/XXXX to go ahead and apply for the personal loan with them because they kept sending me marketing emails about pre-approval. I got denied for the personal loan even though I have a good credit score with no late payments on any account and make more than the minimum monthly required payments. I called to inquire why I was denied and they initially told me I needed to send them the back of my ID and that I needed to send them more pay stubs. I sent it over and still was denied. The reasoning they gave me after talking to several representatives ( including 2 managers ) was that I had the inability to pay back the loan. The explanation was that because my beginning monthly balance was more than my ending monthly balance that meant that I could not pay the loan. For example, 1 month I started with {$67000.00} in my checking and savings combined and ended with only {$64000.00} so according to them I was spending more money than I was depositing. I have never send a lender use this kind of practice with assessing debt to income ratio to approve a loan. Making some purchases has nothing to do with my ability to pay. Why would I save money up in my Savings account if I am unable to use some of it because it looks bad to a lender? Every manager I talked to was very smug and sarcastic to me almost like there was some underlining reason as to why I was be denied. I currently have over {$55000.00} in my bank account, I make $ XXXX/month and only pay out {$1100.00} in bills, I have over {$65000.00} in credit equity ( including a {$16000.00} card with Discover ) with usage less than 4 % and I have a good XXXX score and excellent XXXX XXXX  and XXXX scores . This decision not only feels discriminatory to me. The second inquiry on my credit from the same company " XXXX XXXX XXXX '' along with the company I had to choose to get the student loan from instead has decreased my XXXX score XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 am writing to submit a formal complaint regarding inaccurate information on my credit report that I have brought to the attention of TransUnion. Unfortunately, to this date, I have not received a response from TransUnion. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 
On XX/XX/XXXX, I contacted TransUnion to report the following incorrect information on my credit report. Despite my efforts, I have not received any communication or resolution from TransUnion. The details of the inaccurate information and the required corrections are outlined below : 1. Account Name XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$420.00} The inaccurate evidence on the above account is incorrect and is causing significant prejudice to my credit reputation. The balance provided by TransUnion does not correspond to the lower amount that I remember. I request that TransUnion revises the past due information as it is not accurate to present a past due amount for a closed account that was charged-off. This account has likely caused a drop in my credit score. Therefore, I need to reach an agreement with my creditor regarding the incorrect data. I kindly request TransUnion to mark this account as disputed, as I do not want my credit score to be further affected. 


2. Account Name : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} The above account does not belong to me, and I request TransUnion to remove it from my credit report. 


3. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} The above account does not belong to me, and I request TransUnion to remove it from my credit report. 


4. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2500.00} The above account was never late, contrary to the information on my credit report. I kindly request TransUnion to correct/update this inaccurate information on my credit report.

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 2019-03-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, 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 have reported to all three credit bureaus that there is residence information that does not apply to me, and the information showed back up on my report and has also been included on employment background checks for XXXX XXXX in Pennsylvania. I have advised them that the information belongs to my sibling and not myself, most recently viewed during a potential employer 's background check. I have initiated the correction to be made several years ago and most recently, XXXX, 2019. This erroneous information could be affecting future employment, and I am enlisting the bureau 's aide in finally resolving 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 2023-03-15
Company: EQUIFAX, INC.
State: NC
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance : {$2200.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 want this late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXXs customer service representative.

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 2020-07-31
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Theres inaccurate accounts and personal info on my report.

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 2019-10-15
Company: KEYCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I contacted Key Bank on XX/XX/2019, to close my checking and savings account. I had ~ {$2900.00} in my checking account, and ~ {$81.00} in my savings account. Keybank sent a check for the {$81.00} in my savings account, but never refunded the money in my checking account. I can not view my account balance anymore since the account was closed. I have contacted the branch several times ( on XXXX XXXX in XXXX ), and they repeatedly either say they are too busy, and don't have a banker available but will call me back, or I talk to a banker who says they will talk to a manager and call me back. This has happened 4 times now over the last month, and each time, they do not call back. To be clear, I moved out of state so can not visit the branch in person. 

They do not dispute that I had the balance, or that they owe me the balance, or that I never cashed any check for the balance. They are fully aware they owe me a balance. They just are not taking the ownership and accountability to fix the problem. I asked if they had a plan to get my funds sent to me, and they said they don't, but would call me back today. They have not called me back. 

After being a Key client for over ten years, I was surprised how little responsiveness they have. They are holding onto my money and seem to have no intention of getting my money to me. They aren't outright stealing it, they are just very disorganized and have no sense of urgency, and as a result, are unlawfully holding thousands of dollars that do not belong to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In XX/XX/2023 I was reported by my mortgage as being 30 days late on my monthly. Payment which incorrect. I contacted the the company and reported this inaccuracy and was unsuccessful in this being corrected. I've been paying on this mortgage for 51 months never late that in itself should speak volumes to my character. I have great credit and this has impacted in a negative.

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 2021-03-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Assoc XX/XX/2016 {$340.00} That bill doesnt belong to me never made such spending and never used any credit from that company I have no idea why it stands on my report and I request urgent removal from my credit report Ive also tried to dispute through XXXX.However I never received any email or mail regarding such bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 received my consumer report and noticed that I have several inquiries that I did not authorize. Credit Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I did not authorize the following inquiries and they must be removed immediately : XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX/ XXXX XXXX  XX/XX/XXXXXXXX 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 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXXXXXX  I mailed a certified letter to Transunion requesting the method of verification for some items on my credit report. As of XX/XX/XXXXXXXX  I have not received that information and the accounts are still being reported of my credit report. Transunion is in violation of the FCRA reason 1 ) they have 15 days from the date of request to submit the verification method to the consumer and they have not done so. 2 ) By reporting inaccurate information Transunion has committed identity theft against me. I am demanding removal of the following accounts in the next 5 days and/ or I will began a lawsuit against Transunion . 

Delete these accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX we are all aware Transunion has a history of reporting misleading and false information on consumers credit report.

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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-12
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-11-15
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Received forbearance on mortgage payments due to XXXX. Nationstar, mortgage servicer for XXXX, offered loan modification at end of forbearance I complete all 3 trial payments. Nationstar sent me loan modification documents to sign and return. 

However, the modification attempts to capitalize {$3200.00} for monies Nationstar did NOT pay on my behalf during the forbearance period. After speaking with Nationstar reps, XX/XX/XXXX XXXX, ( XXXX ( no longer with company ) and XXXX  ), the first one told me this was for money Nationstar " anticipates paying on behalf in the future for taxes and insurance, and that although it'll be capitalized into principal balance now, Nationstar will still collect this amount a second time through increased escrow payments ( essentially I would pay twice, once through having this money added to loan balance and then again through increased escrow payments ). The second time I spoke with Nationstar, XX/XX/XXXX, XXXX, the rep agreed with me that the only money Nationstar paid out on my behalf during the forebearance was {$190.00} ( this agrees with my records ) and the rep could not explain the additional {$3200.00} being added to the loan balance as a condition for modification. Rep said she would call me back that day. She never did. When I called Nationstar again, I was put in touch with Nationstar 's Executive Resolution Office, XXXX XXXX ( XXXX ) who informed me would get to the bottom of this attempt to capitalize imaginary money. She told to NOT sign the modification and also to NOT make any additional payments until the loan modification anomaly or question was resolved. I have not heard back from XXXX though I have left messages 3 times since XX/XX/XXXX. 
This period of not knowing the status of my loan modification, what Nationstar 's intentions are and whether or not I should proceed with trying to sell the home in order to pay off the mortgage is causing me distress. 
Nationstar 's summary of their terms for the modification states "... unpaid interest, real estate taxes, insurance premiums, and certain assessments paid on your behalf to a third party, will be added to your mortgage loan balance. '' Since Nationstar services millions of mortgages, many on behalf of XXXX for XXXX such as myself, and many people are receiving loan modification offers, it makes one wonder if Nationstar 's attempt to capitalize ineligible money is just a one time mistake in my case, or is there a system in place where Nationstar routinely adds ineligible fees or payments never made on behalf of borrows to the loan balance. 
signed //in limbo//

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
It has been several attempts to delete misleading, fraudulent, inaccurate, and incomplete information on my credit reports. The credit reporting companies have refused to properly investigate and delete requested information from my report. Please help, this is a violation of consumer protection of privacy under FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-27
Company: EQUIFAX, INC.
State: GA
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 am very frustrated at this time, my concern was not properly handled by Equifax, I've been writing letter for months and now did not get a clear explanation as to why they keep on saying the accounts were verified.Please carefully look at my name, social security number and date of birth. Do not confuse my credit file with people of similar name, address, or SSN. Verify all identifying information.. All claims true or not must be proven to be currently and fully TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP of my responsibility and or compliant to any and all applicable laws and requisite standards. The accounts XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX payment history were incorrect, false and error in reporting. Charge off with balance? is that even possible? Remove this thing from my credit report as soon as possible the sooner the better because it is preventing me from getting anything approved.

Company response to consumer: Closed with explanation