BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-14
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:
In XX/XX/2020, I was notified by XXXX  through XXXX that 2 hard inquiries were placed on my credit report to open new lines of  credit with XXXX & XXXX XXXX in Michigan - a state I have never even visited or resided. These inquiries were flagged as potentially fraudulent & I was immediately notified. I responded to the messages, confirmed my identity to XXXX, XXXX & XXXX XXXX, fraud alerts were placed on all 3 credit reports and XXXX  immediately removed those hard inquiries from my account ( I can provide documentation, if requested, but will not upload at this time, as it contains NPI ). XXXX  notified XXXX  & TransUnion, to which neither took action nor contacted me. I pulled my TransUnion  report on XX/XX/XXXX and noticed there is a hard inquiry from XXXX XXXX from the date in which the fraudulent activity occurred. I tried to file an online dispute, but can not dispute hard inquires online. I was able to dispute online, and successfully remove, the fraudster 's phone number from my TransUnion  report ( it was a XXXX area code ). I have been on hold for a " specialized fraud agent '' to handle this dispute for over 4 hours now. Once XXXX XXXX  EST comes, they will shut off the phone lines, regardless of those in queue. Additionally, since these are hard pulls, they negatively impact my credit score.

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 2018-03-03
Company: Trident Asset Management, L.L.C.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not receive anything from these creditors I have sent CERTIFIED letters to them for the past few months, disputed with the credit bureaus and I have heard nothing. I currently have an open account with XXXX that is up to date with no past due balance however there is an account for {$1500.00} reporting on my credit profile unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
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: Personal information incorrect

Complaint:
i have 2 previous addresses that are not mine see letter of explanation

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 2019-03-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid down my account and was in a good credit standing, then they added over 2600.00 in interest which put me at a negative credit rating and increased my payment. I asked to be removed and was unaware of such a policy. The company gave me 2 weeks to pay the balance which I was unable so now I am trying to pay down again, but it has negatively affected my credit. WElls fargo does this type of accounts with hemisphere and I will not be shopping with them anymore due to this practice of low interest and deceptive practice.

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 2021-11-29
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: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/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 2020-12-11
Company: PNC Bank N.A.
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:
I had a Home equity line of credit with National City bank which was purchased by PNC Bank, I opened the account in XXXX, the loan amount was up to XXXX dollars, I paid this account as agreed until I fell ill with XXXX and was in treatment for over 6 years, During this time I was unable to work and was placed on XXXX by my insurance company. WE obtained a modification from PNC and paid the agreed amount although they took the payments, they reported all late because of the delay in obtaining a modification. After a full recovery and my ability to work again starting in XXXX of XXXX, we made payments and eventually paid the balance of XXXX when we sold our home. PNC reported and still reports that this loan was charged off, I never received any type of notification that PNC intended to or did charge this loan off, my first realization was when it showed up on my credit report with XX/XX/XXXX when i applied for a new construction mortgage. I have tried in vain to have this " Charged Off '' notation removed from my credit report, several attempts at PNC and at XX/XX/XXXX. I have attached documents showing my request for pay off and my Letter of " Congratulations '' showing my loan was paid in full with all charges and interest. and a release of lien. I also have attached the closing statement showing the payment to PNC from the proceeds of the sale of our home. I believe they received a tax break from the IRS for this Charge off and they were paid in full for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
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: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM 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 2020-12-11
Company: Experian Information Solutions Inc.
State: FL
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:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2018-03-03
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
Experian Credit Bureau removed my mortgage account from my credit report in XX/XX/2017. My FICO dropped 100 points or more because of this. I called Experian and was told there was nothing they could do. That I needed to call XXXX XXXX XXXX and request they resend the data to them. I did make that call and XXXX said that request had to be made by Experian. So, I called Experian, again, and they refused to assist. I stayed on the phone between the two for hours. They refused to work with one another to correct this error. XXXX did verify they sent data to Experian monthly. I just want an account I have had for almost 20 years reported correctly on my credit report. Both XXXX and XXXX have it listed. If Experian can't report my information correctly ( even when the error is brought to their attention ) then they shouldn't report on me at all! As a consumer expectations for the 3 credit bureaus is set extremely high, as it should be, considering the impact their reporting has on a consumer 's purchasing power.

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 2020-07-15
Company: Experian Information Solutions 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 requested this be investigated w/ Experian over THREE times. They have continued to list ALL of my Student loans as " PAID ''. They were NEVER paid. They were never due. They were never late. They were never past due. 
Before being due, they were MEDICALLY DISCHARGED. They do not belong on my Credit Report. Again, they were never paid on, therefore they're NOT a credit report item. 

Yet they keep on lying and saying they've " verified '' this. 

No, XXXX already told them it was medically discharged. 

Never " paid '' on, never late, never due. Doesn't belong on my CR.

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 2020-12-11
Company: Caliber Home Loans, Inc.
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have applied for a re-fi with our current mortgage company Caliber Home Loans XXXX XXXX XXXX XXXX XXXX beginning in XXXX of 2020. I have filled disclosure forms, had my credit run, and allegedly been approved on three separate occasions. Each time told the mortgage was going into final approval, then the process starts over. I don't understand what's happening but it seems the company is acting in bad faith. Since beginning this process I've been submitted to relentless adds and calls from companies claiming to be affiliated with Caliber. I feel they may no longer be a legitimate company. The processor XXXX XXXX does not respond to calls or emails. I have over 30 corresponding emails so I'm not sure which ones to attach here?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have had a dispute open with American Express since XXXX, they keep saying that it is in process and I have to wait for the company to respond, who also wont respond to me. At this point it has been over 5 months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I accepted a settlement offer to make 12 consecutive payments of {$49.00} to settle my debt. It was agreed I would send in a money order by the XX/XX/XXXXof each month. I made a payment each month beginning XX/XX/XXXX. XX/XX/XXXX payment was shown delivered at XXXX XXXX on XXXX XXXX. The company states they terminated my agreement because the payment did not post to the account until the XXXX. I  have all documentation and yet the company will not honor the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: National Credit Systems,Inc.
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: Old information reappears or never goes away

Complaint:
The unauthorized account was removed from my credit report. National Credit Systems reduced the account by XXXX, added a fraudulent address to my credit report, and added it back to my credit file. XXXX  allowed this to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: EQUIFAX, INC.
State: WI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
on XX/XX/XXXX I contacted Equifax Credit bureau after having being notified through XXXX XXXX credit monitoring app I use, that information was sold on the back market, so Immediately I reviewed my credit report & saw inquiries from XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX I did n't authorize. I was told to contact the creditors and I was informed by them to contact The credit bureau since it was a fraud matter & have them investigate it, so I contacted Equifax again and was told they would need a police report to investigate it, so on Friday XX/XX/XXXX I filed the report and faxed it into Equifax in hopes that this would get this matter finally resolved, I then called them on Tuesday XX/XX/XXXX to insure they received it and I was told they receive the report and would be investigating the inquiries, so I did n't feel the need to mail it in, given all the back and forth, I was feeling a little leery, so I called back Thursday XX/XX/XXXX  and was told they did n't receive the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: DHI Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I'm in the process of obtaining a loan with DHI Mortgage, the in house lender for DR Horton. The appraisal did not meet value and the lender is insisting in waiting for another appraisal to be completed in order for me to close on the house. I'm literally homeless after the XX/XX/XXXX and the lender is insisting in having another appraisal completed. I have been under contract for over 6 month with this situation. The home is ready and I have been promised to close several times and no closing yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: NAVY FEDERAL CREDIT UNION
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:
Faxed and called all 3 credit reporting agencies with proof of paid in full statement from creditor. However credit reporting agency still have not corrected information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: WELLS FARGO & COMPANY
State: MD
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 the credit I received from An unauthorized charge was reversed. This charge was initiated on XX/XX/XXXX by XXXX XXXX XXXX. I was not informed that I had an appointment that day and I was told in a voicemail, which I still have, that my credit card information was not on file. I did not sign a contract with this merchant or give them permission to charge me for a service. Wells Fargo acted egregiously in this matter, reversing the charge when my account balance was already low to charge me for overdraft fees.

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 2020-05-18
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020 t RECEIVED a voicemail from BBVA bank advising me of suspected fraudulent activity on my VISA card. I immediately responded, the same day, and advised the bank I didn't make these two charges. These charges were at " XXXX 's ' XXXX '' {$18.00} and $ XXXX These transactions were " pending '' -- The bank advised me they couldn't reject the charges but I would have to go through the " process ''. 

It's been 88 days and counting and I have not been credited with these amounts. I spoke with " XXXX '' to at XXXX and advised her of the situation. She suggested I call customer service, which I did and was advised the wait time is over 1 hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My business partner and spouse, recently had a suffered a XXXX XXXX XXXX brought on by what her doctor believes now was XXXX. And due to her illness at the time, she had me legally removed from our business and my access cut off from our business account. Unfortunately because of her illness her XXXX XXXX was XXXX XXXX and she totally lost control of our business checking account, and we incurred over 4800 dollars in late fees since XX/XX/2018. Since I had no access to our accounts and since I was never contacted by the bank myself, I had no idea about she had been so reckless. Upon my return a few weeks back, I've tried to get our Bank of America to remove the over draft charges due to our hardship and the fact I was never contact myself and hence had no idea such had occurred. My request has basically been denied and considering the circumstances of our hardship created by my wife 's medical condition, I am asking for some assistance on this matter. Enclosure ( 1 ) is a list of the charges incurred from XX/XX/2018 till yesterday. Thank you advance for any assistance you might be able to offer.

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 2020-05-14
Company: CREDIT ACCEPTANCE CORPORATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I got an alert from XXXX XXXX today that my credit score had dropped 109 points because XXXX XXXX had reported that I was 30 days late with a payment and owed {$630.00}. They have been reporting every month that I was on time and now this. I have been paying in this loan since XXXX  and the only time I had a problem was in XXXX. My car was repossed, but I paid to get it back and have been on time since then. They only paid {$170.00} to have my car picked up and I paid them over {$500.00} to get it back, plus they were trying to collect another {$950.00} from me. Now they are claiming that in XXXX of XXXX my payment was returned and it wasn't replaced. That isn't true plus I asked them why they are waiting 27 months to report a problem. I asked them why they had not contacted me about this. I was told " we don't have to ''. I am sick of this company 's harassment and attitude. I only have XXXX payments, out of XXXX, left and they are trying to cause problems for me. I live in Social Security and can't pay more than my payment amount, pkus, they are doing this during the XXXX pandemic. They have to be stopped. I am trying desperately to keep this car, between, taxes, insurance and my payment it takes a lot of my available money.

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