BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2020, I submitted disputes regarding my Transunion credit report through their online system. The disputes each had a decision emailed to me within a few moments of submission. It was not possible to read my comments and do any type of decision within seconds of submission. 
These instant decisions are very unfair. Transunion promises they will investigate. My comments were disregarded on the dispute. 
Transunion is misrepresenting a fair investigation if they provide instant results and closure within moments of submission.

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 2019-01-10
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
One Main from XXXX, Indiana is listed on my credit reports and I have never done business or obtained a loan from a company named One Main. Please delete from my credit report. I have asked them for proof of debt multiple times and have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo Mortgage has been misapplying additional principal payments on our mortgages for the past 20 years. 

We have contacted Wells Fargo Mortgage several dozen times and have requested that our payment logic be updated so that any additional funds received are applied to principal and not to pre-pay interest. We have called to confirm that our standing payment instructions are to to date several times. 

Wells Fargo Mortgage frequently and systematically removes our payment instructions so that payments are applied to pre-pay interest and not to pay down principal. This has occurred on there different mortgage accounts over the last 20 years. 

This issue has occurred twice this year on our Wells Fargo Mortgage. After calling into the customer service center we discovered that our payment instructions have again been deleted.

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 2019-03-27
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I XXXX XXXX had on two separate occasions submitted a loan modification to my mortgage servicer XXXX XXXX XXXX. In XX/XX/ 2019, after clearing waiting for an answer from the previous modification package, I was told that title did not clear due to a lien against my property. I had to do my own research to find out that my divorce attorney never filed a release on his file after being paid in full. I then resubmitted a totally new application, and while it was in final underwriting review, the loan servicing rights were transferred to Mr. Cooper, formerly XXXX XXXX XXXX XXXX While I was going through my divorce, my house went into foreclosure. I am not financially able to afford a restructured mortgage payment, yet Loan Depot violated every right I maintain under the Fair Debt Collection Practices Act. I have requested a clean mortgage assistance package to be either mailed to me or by email to resubmit a new modification package, and even asked the attorneys for the mortgage servicer to help me obtain this modification application. I need my rights protected and request a mortgage assistance application to be emailed to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
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:
XX/XX/2021 1 ) Citizen One ( bank ) 2 ) XXXX XXXX XXXX ( XXXX ) 3 ) XXXX XXXX XXXX XXXX ( bank ) 4 ) XXXX XXXX XXXX- ( finance/personal ) - ( XXXX ) XXXX I purchased a vehicle from a car dealership called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX on XX/XX/2021 ph ( XXXX ) XXXX ( I'm financing ). 

My credit report was ran multiple times from these banks separate from the dealer 's. After leaving messages with the dealership for help, I didn't get a return call. I only consented XXXX XXXX XXXX XXXX to run my credit once, so I'm disputing these other inquiries. 
XXXX XXXX XXXX XXXX never asked me for my permission to run my credit more than once.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have an account from XXXX XXXX that is Fraudulent! I have requested that XXXX XXXX froward me a copy of the contract and Itemized statement. there is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. I am requesting a CREDIT BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies. I would like to request a security freeze placed on my report and request a PIN Code. I choose to opt-out of your disclosing future information until further notice including inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.

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 2020-04-28
Company: Westlake Services, LLC
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:
I have contacted XXXX, XXXX, and XXXX, several times by mail and by phone. This is regarding an account with Westlake Financial Service. I have also contacted Westlake serval times by mail and by phone. The account is reporting on my credit report is inaccurate, not valid, and not meeting FCRA requirements. I have sent 3 letter to each credit burau and three letters to Westlake informing them the account has yet to be removed. The credit bureaus have not provided me any documentation showing  how this account was " allegedly '' verified. I have file for identify theft and a credit feezed serval time as my information was apart of a data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: Experian Information Solutions Inc.
State: CO
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:
I have been disputing CONTINUOUSLY since XX/XX/XXXX, to have the dismissed bankruptcy removed from my credit report. I kept getting responses that the account was accurate however, it can't be since it no longer legally exists! On XX/XX/XXXX I still continued to dispute the Bankruptcy with the bureaus however this time, they never responded! I sent another follow-up on XX/XX/XXXX regarding the same item. To this day, XX/XX/XXXX, I have yet to get a response from the bureaus of what they are doing with my 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 2020-11-06
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: Information belongs to someone else

Complaint:
I have an account from XXXX XXXX that is Fraudulent! I have requested that XXXX XXXX froward me a copy of the contract and Itemized statement. there is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. I am requesting a CREDIT BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies. I would like to request a security freeze placed on my report and request a PIN Code. I choose to opt-out of your disclosing future information until further notice including inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.

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 2017-11-20
Company: JMAC LENDING INCORPORATED
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We had some financial troubles back in XX/XX/XXXX. I called our mortgage company and they allowed me to enter a repayment plan so that we could get back on track financially. We signed a repayment plan outlining the repayment terms. The repayment plan was outlined as follows : No payment in XX/XX/XXXX ; regular payment of {$2100.00} due XX/XX/XXXX ; {$3000.00} due on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All payments were made according to the plan. In XX/XX/XXXX, my wife called to make our normal payment ( {$2100.00} ) and was told another payment of {$3000.00} was needed to make our loan current, which I do n't believe is correct. The only reason she paid the incorrect amount is because XXXX was adamant this is what was due to make the loan current. Nowhere in the payment plan I signed did it mention another increased payment for XXXX. I was told by the mortgage company that we paid a total of around {$680.00} in fees for the repayment plan. When I do the math, we paid about {$1200.00} in fees due to the XXXX payment not going back to our normal mortgage amount. Either the repayment plan was misleading or the mortgage company was mistaken in taking the amount they did for the XXXX payment. Either way I have a big issue with the way this was handled. I have called and talked to a couple different people and they can not explain the discrepancy, only " that was the amount due to make you current. '' with no explanation of why the repayment plan did not outline anything for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: AmeriHome Mortgage Company, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home in XX/XX/XXXX and the loan was transferred to AmeriHome Mortgage. During this time, I paid {$670.00} per month to my impound ( escrow ) account. However, AmeriHome did NOT pay my property taxes when they were due in XXXX, and again by XX/XX/XXXX. It was not until I decided to sell my condo that my attorney told me my taxes were not paid at all this year, and I had over {$9000.00} in my escrow account. According to my terms, the taxes should have been paid by AmeriHome. 

On XX/XX/XXXX, my loan was sold to XXXX XXXX. XXXX paid my taxes from my escrow account, but I was still charged {$270.00} by the XXXX County Assessor in interest. I called AmeriHome to try to get that money refunded to me, but they told me XXXX is servicing my loan now, and I needed to call them. 

I called XXXX on XX/XX/XXXX, and they were unable to refund my {$270.00} as it was not under their control and it was not their mistake. 

I just want to get my {$270.00} that I was penalized as it was no fault of my own that caused the taxes to be delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Experian Information Solutions Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly 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 explanation
Consumer complaint received 2020-05-01
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: Billing dispute for services

Complaint:
I am a victim of identify theft.

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 2018-02-01
Company: JPMORGAN CHASE & CO.
State: WA
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:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, the amount of {$120.00} was withdrawn from my Chase checking account using my debit card information. The total of the three transactions is {$370.00}. The transactions were paid via XXXX to three different people for Professional Services. I contacted the bank on XX/XX/XXXX to report the transactions as being fraudulent. The bank let me know on XX/XX/XXXX that the charges did not require any correction and they would let them go through the bank. I contacted XXXX and discovered an account in my name, but with an email address I am not associated with, was used to complete the transactions. The account was put on hold. I have been in contact with both XXXX and with Chase on multiple occasions to try and resolve this. They have each said it was the other 's responsibility to refund the money to me. They acknowledge the XXXX account was illegitimate. Today XX/XX/XXXX, I had a conference call with both of them. There is nothing they can do. They suggested I contact the recipients of the money to see if I could get a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: EQUIFAX, INC.
State: CA
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:
A default judgment is appearing as a collection account on XXXX, XXXX, AND EQUIFAX.It is appearing as a collection perhaps to avoid properly categorizing the account as a public record due to AGREEMENTS BETWEEN CREDIT BUREAUS AND STATES ATTORNEYS GENERALS enacted within recent years.In addition, the date of first delinquency has been re-aged.THE DOFD coincides with the date of judgment entered ( ATTACHED COURT RECORD ) which would be impossible considering the nature of the debt, ie : back rent and holdover.The debt was many months prior to the stated DOFD.ALL THREE BUREAUS after numerous disputes permit a false re-aged date of first delinquency and permit a miscategorization of debt, and allow these inaccuracies to fly in the face of their ATTORNEYS GENERALS AGREEMENT, CREATING A LOOPHOLE FOR ACCURACY DEMANDED BY THE FCRA.THE DISPUTED ACCOUNT IS : XXXX, XXXX XXXX XXXX XXXXACCT NO.  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
A default judgment is appearing as a collection account on XXXX, TRANSUNION, AND XXXX.It is appearing as a collection perhaps to avoid properly categorizing the account as a public record due to AGREEMENTS BETWEEN CREDIT BUREAUS AND STATES ATTORNEYS GENERALS enacted within recent years.In addition, the date of first delinquency has been re-aged.THE DOFD coincides with the date of judgment entered ( ATTACHED COURT RECORD ) which would be impossible considering the nature of the debt, ie : back rent and holdover.The debt was many months prior to the stated DOFD.ALL THREE BUREAUS after numerous disputes permit a false re-aged date of first delinquency and permit a miscategorization of debt, and allow these inaccuracies to fly in the face of their ATTORNEYS GENERALS AGREEMENT, CREATING A LOOPHOLE FOR ACCURACY DEMANDED BY THE FCRA.THE DISPUTED ACCOUNT IS : XXXX, XXXX XXXX XXXX XXXXACCT NO.  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 2018-11-22
Company: Schachter Portnoy, L.L.C.
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX XXXX working on behalf of XXXX XXXX XXXX ( XXXX ) received a writ of execution to levy my and my mothers bank account for a total of {$11000.00} after getting a default judgement back in XX/XX/2018. My mother nor I received any legal paperwork regarding this court filing from the XXXX XXXX XXXX that lead to a default judgement and levy which was granted in XX/XX/2018.  Yesterday my mother received a letter from her bank stating that {$11000.00} was attempted to have been collected due to the levy. In XXXX, My mother and I had a stipulation of settlement with the law firm XXXX XXXX XXXX in regards to the XXXX XXXX XXXX account with XXXX XXXX XXXX. In XXXX, I had received a letter in the mail stating that XXXX was being sued in a class action lawsuit from the CFPB and that my loan was included. It further stated that any collection activity must cease until all the accounts are audited. I havent received any correspondence from XXXX XXXX XXXX since the settlement in XXXX until recent when my mother was sent a notice of levy against her account on XX/XX/XXXX. I have been in a legal battle with XXXX since XXXX. XXXX XXXX XXXX obtained a judgement without sending any paperwork as I have always answered to and appeared in court in regards to this matter. They are still attempting to collect on this debt after my loan was included in the lawsuit that stated debt collection must cease. I have received no correspondence of any evidence of auditing of my student loan account with XXXX  as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 sent several request to the named companies as well as the credit reporting agencies to advise them that I DID NOT AUTHORIZE the inquiries on my credit file. They still remain on my credit file and all credit reporting agencies have failed REPEATEDLY to provide me with documentation to show where I authorized such. They will not be able to do so, because I only authorized XXXX XXXX XXXX to pull my credit file. Both the dealership and the salesman have advised me that they only submitted an application through 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 2021-10-22
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: Account status incorrect

Complaint:
XXXX and XX/XX/2021 payments are showing past due when it should show current and not past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX and XX/XX/2021 payments are showing past due when it should show current and not past due.

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 2020-11-06
Company: Experian Information Solutions 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:
For the payments of student loan account XXXX on XX/XX/XXXX and XX/XX/XXXX, payment was given over the phone to XXXX  ( at the time XXXX XXXX ) Customer Service representative. Payment was not made to correct account two months in a row, and we only realized that the payment was put into other accounts after the fact. Please know that at the time, I had more than 5 separate student loan accounts for different years of XXXX with XXXX XXXX, all of which were similarly paid by phone but never " past due. '' We spoke to XXXX XXXX and were assured they would rectify the alleged " late '' payments that were not actually late, but misplaced by XXXX XXXX themselves. However, after several years and requests this has not been done. As such, my credit report continues to show this specific loan as being not paid for the months of XX/XX/XXXX ( " 90 days past due '' ) and XX/XX/XXXX ( " 120 days past due '' ). I have recently initiated a credit report dispute through Experian, which rectified another similar discrepancy for XX/XX/XXXX. For whatever reason, the discrepancies for XX/XX/XXXX and XX/XX/XXXX were not similarly rectified. I demand that XXXX finally resolve this discrepancy and notify the three credit reporting bureaus that this is resolved, remove the delinquencies, and to update my credit reports. 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