BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Regular inquiries were recorded in my TransUnion credit report from the following financial institutions : 1 ) XXXX XXXX- date reported XX/XX/2022 XXXX ) XXXX XXXX- date reported XX/XX/2022 XXXX ) XXXX XXXX XXXX- date reported 1XX/XX/2022 A fraudulent use of my personal information was used to obtain credit from the above- mentioned bank. I filed a dispute with Transunion file # 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 2019-05-28
Company: Navient Solutions, LLC.
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019 I received a copy of my credit report that shows 5 different listings of loan balances from Dept of Ed/ Naviet on all the credit bureaus with the following amounts listed : {$37000.00}, {$2000.00}, {$2100.00}, {$1400.00} and {$4300.00}. I have no knowledge of theses accounts as they do not belong to me. I sent in disputes and received a packet dates XX/XX/182019 with prommissary notes enclosed with 4 different signatures thats not mines. I'm requested Dept of Ed/Navient removed ALL Listings from my XXXX, XXXX and XXXX credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: SYNCHRONY FINANCIAL
State: GA
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 is incorrect

Complaint:
My report shows a hard inquiry from 2016 from XXXX. I spoke with the bank and they show nothing and I did not give any one permission. I also have not applied for credit with anyone and now it just showed up on my credit report from 2016 and I checked just 2 weeks and it did not show at that time. My credit had come up some and now it has dropped my score some. 
I want this handled ASAP.

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 2017-12-30
Company: WELLS FARGO & COMPANY
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX XXXX XXXX, a representative from Wells Fargo called my place of employment. This was an attempt to collect a payment, but the phone call happened during business hours in which I am not allowed to take personal calls, unless it is an emergency. This phone call took me away from my duties, and caused embarrassment.

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 2022-02-14
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
I applied for a new car auto loan at Penfed Credit Union and was pre-approved for the loan. Following the pre-approval, I made down payment for the car and tried completing the loan process. However, I was unable to complete the loan process as I was getting error messages. I reached out Penfed Credit Union customer service and I was informed that they have been experiencing technical system issues since XX/XX/XXXX and are unable to locate and authenticate a large volume of XXXX car models. Despite this being a known issue for more than 2 months, they still didn't provide any advance notice about this being a potential issue that could prevent the applicant from finalizing the loan. 

This loan was for USD XXXX at 1.99 %. Due to Penfed Credit Union 's action, I have suffered a significant loss as I now need to apply through other banks at a higher rate of interest.

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 2022-02-14
Company: Experian Information Solutions 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:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name

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 2017-12-30
Company: NORTHSTAR FUNDING INC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
1. XXXX XXXX XXXX ( a title company ) did not pay off the existing loan by wire transfer as required by the existing lender 's attorney who supplied wiring instructions to NorthStar Funding Inc ( the Mortgage Loan Originating company ). Instead, and for unknown reason, XXXX XXXX sent the payoff funds by check. The result of the delay in payment was that the clients, XXXX XXXX and XXXX XXXX, were forced to pay an additional {$1300.00} in payoff funds to the lender because of changes in exchange rates and approximately {$1600.00} in fees to their attorney for attempting to obtain a refund from XXXX XXXX and NorthStar Funding. 
2. The lender 's attorney states that he received a scan of what appeared to be a copy of a payoff statement that was " grafted '' onto a page containing his letterhead and signature. One of NorthStar Funding or XXXX XXXX is the author of this " grafted '' statement. Such breach of trust is serious and the clients demand an explanation. 
3. The clients requested the name of the companies ' malpractice ( errors and omissions ) insurer. The comanies refuse to provide such. 
4. Although 4 months have passed since they collected their fees in this transaction, XXXX XXXX XXXX and NorthStar Funding have yet to provide their clients with documentation showing that the previous mortgage has been discharged and is satisfied of record.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Experian Information Solutions Inc.
State: IN
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:
The purpose of this letter is to inform you that my identity has been compromised and that the following items do not belong to me. I have file necessary paperwork and ask that you please remove the following accounts from my 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 XXXXt- 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 2017-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX REPORTED ON MY CREDIT REPORT STATING I OWE THIS AMOUNT AND I 'VE NEVER RESIDED AT THE COMPLEX. <P/>XX/XX/XXXX XXXX XXXX REPORTED ON MY CREDIT REPORT STATING I OWE THIS AMOUNT AND I 'VE NEVER RESIDED AT THE COMPLEX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I opened a line of credit with First National for {$100000.00} against my home equity they did n't properly process the paperwork and did not acknowledge that I had existing homeowners insurance although I provided all necessary information then insisted that I pay them {$1000.00} for insurance plus fees and interest and every time I proved through XXXX XXXX who have it multiple times on record, they would not acknowledge my insurance and continue to say I have an outstanding balance and threaten to put my home in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: BROKER SOLUTIONS, INC.
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Wednesday XX/XX/XXXX : New American Funding stated that we owed them XXXX cents. They stated that when we closed on our refinancing on XXXX that we did not provide enough money for the closing and that they used our escrow to pay for the closing cost. Because we used the escrow for closing cost we then owed them this cost when they paid our state taxes for the 2019 year. We told them that we needed an answer by Thursday the next day. We were told that by Friday we would have an update by the company due to them notifying corporate of this matter. 
-- -- In addition, they are claiming that we need to spend XXXX dollars on hazardous insurance, because it expired in XXXX. We showed proof that we paid but they are still trying to charge us for the hazardous insurance. 

Friday XX/XX/XXXX : We called and notified New American Funding, that if they do not have an answer for us we would go to the media, and obtain an attorney. We gave them to Monday, XX/XX/XXXX to contact us. 

Monday XX/XX/XXXX : No response. Called New American and left a voicemail to XXXX XXXX in corporate. 

Tuesday XX/XX/ : Contacted New American and spoke with a Mr. XXXX XXXX on the phone and he then responded via email. 
Good afternoon Mr. and Mrs ... .. 

We wanted to provide you an update regarding your escrow account. It is currently being researched with our management and our escrow department and is being reviewed with the right specialists. Allow us some time for us to provide you an update before the end of the business day on Friday. We thank you for patience on this matter. 

Friday XX/XX/XXXX : We notified New American and XXXX that at this point, we have called and contacted daily. We have numerous responses from you that someone will get back to us, but each time we speak its still under investigation. 

Monday, XX/XX/XXXX : Good afternoon : The ongoing research is being handled by our management and VP of Customer Service. Allow us to follow-up with them so they may provide an update. Thank you for your patience on this matter. 


At this point we then contacted daily until XX/XX/XXXX: Thursday XX/XX/XXXX : Voicemail left on my phone : stating that the findings are that we still owe XXXX dollars instead of the full XXXX. We then called New American to notify them that we will follow-through and make a formal complaint to the CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax ( or XXXX ) sent a letter saying that I requested not to receive pre-approval offers. I did no such thing. If it was this bureau. I request that it be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX and Experian are reporting the exact same student loan history as XXXX. These loans have never been late and have always been paid on time or in deferrment. XXXX continues to sporadically report late payments in XX/XX/XXXXand XXXX. They receive the same information as XXXX and they are the only ones reporting it correctly.

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 2019-02-05
Company: Alliance Group & Associates LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2019 at XXXX, I received a phone call from XXXX, XXXX NC a lady by the name of XXXX ( I'm guessing spelling ) asking me to confirm my personal information. I refused to do so and ask again what her name was and company. She stated Alliance Group and Associates. At least I think that is what she said. When I refused to confirm SSN she asked to confirm birthday. I asked again what was the matter and she very rudely denied to state the matter until I confirmed personal information. I informed her I have reported identity thief and I refuse to give any personal information over the phone and she is more then welcome to mail me any information. She accused me of being non-responsive to mail. She proceeded to make accusatory remarks to me such as " who ya hiding from ''. When I informed her AGAIN I am not providing nor confirming any personal information. She then threatened to proceed with legal actions and reporting my SSN to someone, I couldn't understand her. I stated to her to do what ever she felt she needed to do, I am not giving any information over the phone. She proceeded in a threatening manner to say " Oh I am going to '' and rudely hung up. I suspect this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: Experian Information Solutions 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:
The following agencies made hard inquiries that unfairly impacted my credit score : XXXX XXXX on XX/XX/2017 XXXX XXXX XXXX-XX/XX/2017 XXXX XXXX- XX/XX/2017 XXXX XXXX XXXX- XX/XX/2017 XXXX XXXX- XX/XX/2017 XXXX XXXX XXXX- XX/XX/2017 XXXX/XXXX XXXX- XX/XX/2017 XXXX/XXXX-XX/XX/2017 XXXX/XXXX XXXX XXXX- XX/XX/2017 I have never obtained or used funds from these companies.

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 2019-02-05
Company: CHARLES SCHWAB CORPORATION, THE
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:
ACCT ending in XXXX Around XX/XX/XXXX I had claimed fraudulent transactions on my old Schwab account that was no longer being maintaind actively by me. Schwab falsely concluded that the transactions were not fraudulent and reported " account abuse '' through XXXX without any explanation as to how they concluded the investigation. " XXXX '' from your Schwab Bank customer service line called me on XX/XX/XXXX and after a 68 minute phone call the conclusion was " You have to call XXXX XXXX to report the account as fraudulent ( even though it was XXXX year ago and has since been closed ) and you owe Schwab as the charges are not fraudulent. '' The conclusion was incoherent and did not corroborate with the " account abuse '' remark on my XXXX report. 

XXXX was disputed back in XXXX and concluded as valid by Schwab. Again, I submitted multiple pieces of documentation proving that the transactions taking place in the account were fraudulent.

I have been an excellent customer of Schwab since XXXX and this type of treatment during a time of identity theft is unwarranted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio out of Utah took over my XXXX XXXX home loan. They have double charged me for XXXX and then reported a late payment to my XXXX XXXX credit bureau even though I made two payments. They have not credited me for the second payment for XXXX XXXX but rather double charged me for XXXX and is claiming I was late for the prior month which I was not. This is the second time this company had done this to me in an effort to levy huge penalties on me later. At one point they were charging me in excess of {$400.00} per month in penalties on a {$430.00} loan. I have complained about this before and asked for this to be investigated but nothing was done. They got away with this. They are trying to do it again. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: EQUIFAX, INC.
State: HI
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:
As of a Tuesday XX/XX/2019 ( today ) I continue to see at least one XX/XX/XXXX inquire by XXXX this has been going on for a month I have attached screen shots of the XX/XX/XXXX " hard inquiry '' that they ran that most also not be categorized properly. Equifax has told me to tell XXXX that when they run an INQUIREon EQUIFAX!!!! they need to include a " reason code '' ( plus to comply with FCRA they would need this information also ) they have for a month now been doing supposed soft inquires to comply with a federal judges ruling but the have not INCLUDED A REASON CODE therefore according to Equifax they default to hard inquiry even if it was not. Equifax is just as bad here how they allow an inquire without a reason code, how they supposedly " swear '' under federal law they envisage this then don't do anything, How they tell me I have to call their furnisher and train them how to do an inquire I didn't authorize. All the while while XXXX are throwing a fit like little junior high kids hanging up making threats not replying to even emails. Remove all the not authorized inquires immediately as XXXX you are in violation of federal law! See screen shots for details ..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: PENTAGON FEDERAL CREDIT UNION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I applied to a company for a loan to refinance my property. I chose this company because I had received offers from them, I thought they were reputable, and I already had a credit card with them. When we refinanced the last time, in XXXX, we supplied our income and other bills we wanted to include. This time I was asked to do the same along with a request for reappraisal ( at cost of {$580.00} ), copies of last two months checking accounts, copy of savings account, copy of 1040, copy of my late husband 's death certificate, mortgage statement, copy of homeowner 's insurance, copy of HOA XXXX  dues, copy of property taxes for all property owned and, to top it off, a complete copy of our Family Trust of over 90 pages with attachments of 9 at a cost of {$1.00} a page at XXXX . ( Fortunately a friend did it for much less. ) As you can see, there was a lot of back and forth for two and a half months. Five states were involved in the proceedings. Then, on XXXX XXXX, XXXX, I was notified that the loan had been denied. My property is situated on a lakefront in a most desirable part of Ohio. Several homes have sold for over a XXXX. Appraised at over $ XXXX, for a loan of {$130000.00} seems like a good deal if I were doing the lending. Oh yes, I am 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 2017-07-12
Company: Navient Solutions, LLC.
State: VT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Contacted Navient on XX/XX/17 for justification for monthly interest rate increases on variable rate private student loans ( XXXX XXXX XXXX XXXX XXXX ). The customer service representative claimed that the US LIBOR rate has increased for the last 6 months ( XX/XX/XXXX-XX/XX/XXXX 2017 ) and this resulted in increases in the rate. This information is inaccurate. The USD LIBOR rate has not increased every month of this year. Additionally, other instances when the LIBOR rate has changed ( increased or decreased ) the interest rate of the loans has not changed accordingly. These interest rate increases have corresponded with paying additional money towards the principle each month and is suspicious. Further, as soon as these loans were placed in auto debit ( and therefore eligible for a 0.25 % interest rate deduction ) the following month the interest rate was raised to match that 0.25 % decrease.

Company response to consumer: Closed with explanation