BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-29
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for a HELOC on XXXX with a complete application including P & L, tax returns both business and personal for XXXX, proof of homeowners insurance. Was advised on XXXX that a drive by appraisal rendered a low value of $ 550k and the loan was not able to be approved due to insufficient collateral. Placed a complaint with US Bank and another agency requesting a complete walk thru appraisal. Walk thru appraisal was performed on XXXX. We are XXXX XXXX  contractors with XXXX XXXX routes and receive a weekly salary and weekly compensation from the corporation on the route, in addition to a monthly bonus. This was explained in great detail to the individuals who took the application. No questions were asked for clarification of the income until XXXX when I followed up for status on the appraised value. I assumed that the income was satisfactory since no other communication was received from the back that it was not. Only that the collateral was insufficient. I was advised XXXX that the loan was denied due to insufficient income/excessive ratios on XXXX! I was advised on XXXX that my walk thru appraisal came in at a value of $ 590K and that the income that was used to qualify me for this loan was my XXXX AGI from my 1040 's. This does n't make any sense to use income from last year when I provided YTD income. At the least an average of previous income and past income could be averaged to get a conservative figure to use for qualification purposes. For example use a 8 month average from the w/2 and P & L income with the 12 month AGi figure for the XXXX 1040 's for a 20 month average or just use current YTD P & L income along with paystub income for a 8 month average. 
My weekly salary is {$500.00} with a weekly pay from the corporation of $ 2400XXXX {$2600.00}. Us Bank used a figure of $ 6000 monthly for qualification purposes. I also receive a monthly bonus of $ 3000.I was denied and dont believe it was justified.

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 2017-09-29
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: Public record information inaccurate

Complaint:
I 've contacted XXXX & Transunion on several occasions regarding a bankruptcy that appears on my credit file that is not mine. I have literally called them hundreds of times, also spoken with supervisor after supervisor. I 'm not getting anywhere with this company. They continue to report an inaccurate bankruptcy XXXX, even after the new law in XXXX XXXX came into effect. This should not be on my credit report at all. I 've also explained to them that somewhere there was an error in reporting. XXXX has already deleted the bankruptcy as they verified that it in fact, DID NOT BELONG TO ME! I 've wrote XXXX & Transunion asking them to remove this unverified information from my credit report and follow suit. Still they refuse and state it 's been verified? Who verified this bankruptcy? What method was used to verify this bankruptcy? I 've contacted XXXX XXXX and I 've given them my social security number, they stated they do n't have any inquiries from XXXX or Transunion even checking to see if this information is correct. I 've also contacted the US Bankruptcy court, and they 've also told me they have no information associated with my name and ssn. Please make Transunion and XXXX  stop victimizing me by taking advantage of their consumers with their higher power. This is creating a hardship for me, as well as defamation to my character.

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 2017-09-28
Company: Stellar Recovery, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is an account with a company called Stellar Recovery which is unknown. I have requested validation of this unknown account and nothing has been received. False and inaccurate data listed on my credit file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
ON XX/XX/22 RECIEVED AN EMAIL FROM WELLSFARGO SAYING THAT IVE OPEN XXXX WELLS FARGO CHECKING ACCOUNTS

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 2020-02-20
Company: EQUIFAX, INC.
State: UT
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 XXXX # XXXX, # XXXX, and # XXXX are reporting accounts with balances to my credit report that should no longer be on there. I have settled all these accounts and they should not still be reporting collections with a balance. This is in violation and I want these removed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
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 is missing that should be on the report

Complaint:
I file documentation last XXXX for those inaccurate and unknown accounts I found on my credit report that must be removed. Or I will file a 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 2019-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have tried on multiple occasions to resolve this situation with XXXX who bought a old debt of XXXX that was left from an apartment that I owed 3 months rent on. They have continued to increase this amount from a frauded XXXX to XXXX which is unethical and wrong I have also tried to fix this situation with transunion and XXXX  and have had no resolution because they don't try to help you because they don't understand and you can't understand them. I asked where I have been calling because I'm getting horrible broken English and can't understand them they just read scripts and the representative told me XXXX. This whole situation is frustrating and unnecessary.

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 2022-04-26
Company: EQUIFAX, INC.
State: NH
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:
on XX/XX/22 @ XXXX ; XXXX i spoke to Equifax agent XXXX here she told me on XX/XX/22 a collection will be fall off my credit report. I decided to call back and request for it to fall off sooner and request acct deletion i called Equifax back on set date XXXX spoke to Agent XXXX where he put in a dispute for acct deletion before XX/XX/22 of Collections XXXX XXXX XXXX. 
Between XX/XX/22 and XX/XX/22 Equifax re added XXXX XXXX XXXX. I spoken to XXXX from XXXX XXXX XXXX where i was given permission to record conversation where XXXX stated they did not hit my report telling me Equifax must of done it. Equifax dropped my credit score XXXX points as of today XX/XX/22 i believe Equifax is harassing bully me by XXXX my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
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: Information belongs to someone else

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself. I have been patiently waiting on Transunion 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the list of the erroneous accounts reporting on my credit report : ( 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 2021-12-02
Company: BARCLAYS BANK DELAWARE
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:
According to the Fair Credit Reporting Act 15 U.S.C 1666b - Timing of Payments, Barclays is in violation of my consumer rights. Pursuing 15 U.S.C 1666b reporting any late payments on a open-ended consumer credit plan is illegal and must be updated as positive. A creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as a late payment for any purpose.

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 2020-11-23
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband and I have held a mortgage through US Bank on our primary residence since XXXX. We have always received paper monthly statements from US Bank. In XX/XX/XXXX, we refinance our mortgage through US Bank. Subsequent to the re-financing, we began to receive email notifications of our monthly statement, instead of a paper statement. I reached out to the person at US Bank who had organized our re-financing and he said that he would submit a request to switch to paper statement. Nothing changed. I called customer service to request a switch to a paper statement. This time, the email statements were turned off and no paper statements were sent. As such, since XX/XX/XXXX, we have received NO monthly statement whatsoever. I have made two additional phone calls to customer service and we are still not receiving any form of a monthly statement. It is super frustrating - but also makes me angry as if I miss a payment I'm sure they will be happy to assess us a fee.

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 2020-11-23
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
LVNV promised to delete this account from my credit report as the debt was paid through XXXX. I have included the receipt as validation of payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: CO
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 a credit card with discover. I have made every payment and as my mother XXXX XXXX has since i was XXXX. They are reporting a late payment that has decreased my credit score XXXX points. EVERY PAYMENT WAS MADE and my mother made XXXX payment for 2 months ago. We just received notification that the payment didnt process knocking my mothers credit payment history from 100 % to 99 % and decreasing my score. I want this late payment removed from my credit files. we made this payment as we do any other time

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 2020-04-23
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS COST A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGE THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVE OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2021-11-19
Company: CITIBANK, N.A.
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: Investigation took more than 30 days

Complaint:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

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 2017-09-29
Company: Premier Student Loan Center
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
This all started XXXX/XXXX I signed up with Premier Student Loans because they said they could get me signed up on the new Obama Plan, This plan was suppose t reduce my student loans from {$44000.00} to {$8000.00} if I paid 240 payments. I had to pay the first three months {$300.00} and the remaining months would be {$30.00} per month. 
I became aware of this XX/XX/XXXX when I received a call from XXXX stating I have n't paid them since XXXX/XXXX. They said I made a {$300.00} payment to them which I do n't remember paying so that must have been Premier paying on my behalf for that one time. 
I checked my credit report last month and discovered I still owe {$44000.00}. I received a call from Premier asking for me to provided income information and I did n't feel comfortable with it. So, I went on line and sent my income information to XXXX because they were the original loan company thinking that Premier would get the information. Premier then advised that they are a third party and not affiliated with XXXX. At this time I decided I wanted to cancel their services and stay with the known company of XXXX. Premier began to give me the run arounds. They would not give me an email confirmation of my cancellation. They just told me the check for {$330.00} will be sent to me, They did not verify that they will cancel the automatic charges of {$30.00} that they deduct from by debit card monthly. The number I call to reach the is XXXX and the case manager is XXXX. He 's extremely rude and arrogant. I have also spoken to a guy there name XXXX and neither one would provide me ID # 's or some form of cancellation receipt. They laugh in my face as though they have all the power. I just want them to cancel my service and refund my money. The main number to Premier is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-06
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Stated on Credit Report on XXXX : Collection Company : MIDLAND FUNDING LLC Original Creditor : XXXX XXXX XXXX Balance : {$3800.00} I keep seeing this item on my credit report which is severely hindering my chances of getting anything approved and I have reached out to Midland Funding and the Credit Bureaus - non of which have been able to validate the debt but they sending me letters that I owe this debt. <P/>I do n't even have an account on my credit report from XXXX XXXX XXXX, but yet Midland is collecting on a balance that is not mine. <P/>I 'm desperately requesting that this collection item be proved and removed from my credit report because it does n't belong to me. PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: EQUIFAX, INC.
State: SC
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:
Equifax is inaccurately reporting my student loan accounts as credit cards. XXXX is not reporting my student loans as credit cards. They are reporting as installment loans, because this is what they are. XXXX is also reporting my student loans correctly, and Equifax is not in compliance with the FCRA. If it is inaccurate information, it must be corrected or DELETED. My student loans should be reported as installment loans because that IS what they are. It is affecting me buying a home and I will take this further until it is corrected. 

Account number XXXX XXXX XXXX/XXXX XXXX All 16 accounts reporting as credit cards need to be corrected to installment loans. How are student loans credit cards??????? I do n't care what the student loan company reports, this is not a credit card, so it is INCORRECT and must be removed or corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: Experian Information Solutions Inc.
State: UT
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 XXXX # XXXX, # XXXX, and # XXXX are reporting accounts with balances to my credit report that should no longer be on there. I have settled all these accounts and they should not still be reporting collections with a balance. This is in violation and I want these removed off my credit.

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 2021-12-02
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: MD
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:
I have previously disputed this item with you ( XXXX XXXX XXXX XXXX XXXX /Reference # XXXX ) and in response you have verified this item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. ''

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