BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-29
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: AZ
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:
XX/XX/XXXX I completed a refinance with XXXX XXXX XXXX, as a part of our agreement, I agreed to pay XXXX beyond my mortgage also my taxes and insurance. And from my escrow account both would be paid on my behalf by XXXX. However on XX/XX/XXXX my homeowners insurance was canceled due to non payment, I found there was a confusion with billing from my insurance and payment from XXXX, we supposedly got it sorted out, I got a new Insurance policy and thought all was taken care of. XX/XX/XXXX I am notified by XXXX XXXX ( insurance ) my policy is going to be canceled again due to non payment, I called XXXX and they told me they would send a overnight payment, again I thought all was well. The payment was not made until XX/XX/XXXX resulting in the policy being canceled. Summer of XXXX I received a bill from XXXX for my normal mortgage plus fees and fines because of " lender placed mortgage insurance '' I contact XXXX they agree to remove the fees if I get a new policy, I do so the new policy is in place XX/XX/XXXX and XXXX made the payment XX/XX/XXXX. Since that date I have continued to get bills from XXXX with fees and penalties related to the lack of insurance I have spoken to someone at there company multiple times a month to resolve the issue which in there terms was " Under Dispute '' with no resolve, until in XX/XX/XXXX/XX/XX/XXXX I noticed they had started reporting my full mortgage payments as partial payments because they did not include the fees and fines associated with the forced placed insurance. My Credit has now dropped from 800+ to 700- because of their untimely payments. I would like my credit restored and the issue resolved. +

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: Nevada Credico, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company reported a debt they claim I owe to the credit bureau. Never mailed me anything to allow me to do my due diligence. They called me by phone a few days ago. I didnt know what they were referring to and asked for proof instead I wake up with it on my credit. They are I. Violation of the fdcpa.

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 2020-09-23
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
This is in regards to XXXX XXXX  unlawfully resubmitting a closed account under a new account number in which they themselves closed and reopened. The action I want taken is it completely scrubbed from my credit history the fraudulent information. The account started in XX/XX/XXXX and closed on XXXX of XXXX by credit records. When it was opened the amount was {$44000.00} and when it closed it was at {$6000.00}. XXXX closed the account as of XX/XX/XXXX zeroed out the remaining balance reporting that I was no longer under obligation for this account. Then they reopened the account under another account number and resubmitted it to all credit bureaus. I reported to the credit bureau a dispute of the fraudulent activity and an investigation has begun. The investigation by XXXX XXXX was XX/XX/XXXX and by Equifax XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I received a late payment alert on XX/XX/, I called Honda and they acknowledged that I did receive my payments and needed to turn my vehicle in. I explained I had already returned my vehicle and gave them dealer information. They still reported a 30 day late, I disputed with the credit bureaus and was able to remove the late from 1 of them. But 2 bureaus was not removed. I sent a letter on XX/XX/XXXX, they sent me paperwork showing my payments which were not late but still reporting a 30 day late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: Experian Information Solutions Inc.
State: GA
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 pulled my Experian credit report and noticed that there were several incorrect variations to the spelling of my name, so I called to have them removed. The only correct spelling of my name is " XXXX XXXX XXXX '' per that is the way it is listed on my drivers license and social security card. There were over six variations, ( " XXXX XXXX '', " XXXX XXXX XXXX '' " XXXX XXXX 'XXXX ) etc. Today I called customer service and requested for this incorrect information to be removed, as well as incorrect addresses that are listed on my credit report. I was advised to contact the creditors directly regarding the spelling of my name as " XXXX XXXX XXXX '' because that is how they are reporting it. I'm not understanding how a creditor can dictate how my name is being listed on my personal credit report, especially if its incorrect. Moreover, when I contacted the alleged creditors, they stated that could not locate an account containing my name/dob/address. I previously disputed these accounts with Experian as not belonging to me, and they came back verified through Experian, but the creditors say they can't find the account. None of these accounts are listed on my XXXX credit report, which I am attaching as reference. Furthermore, the representative that I spoke to today misspelled my name AGAIN after I asked for it to be corrected ; it is now listed as " XXXX XXXX XXXX '' which again, is wrong. Experian is violating the Fair Credit Reporting Act by continuing to input misspelled variations of my name on my credit report, as well as addresses that does not belong to me. This is the only credit bureau that is causing me these problems. Again : My name is XXXX XXXX XXXX. 

My current and correct address is XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX. Per the Fair Credit Reporting Act, an address that is not deliverable to me by mail must be deleted. Please delete all incorrect and previous addresses. 

I am attaching my drivers license, social security card, and a utility bill as proof of my identity. 

If these issues are not resolved I will file a complaint with the Attorney General. I look forward to a swift resolution to this matter.

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 2018-06-07
Company: EQUIFAX, INC.
State: AL
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:
OnXX/XX/XXXX, I retrieved a copy of my credit report. To my dismay, I noted several inaccuracies that were reinserted on my report after I received documentation ( see attached ) from Equifax that they had indeed DELETED these entries. XXXX XXXX XXXX ( Account # XXXX ) was deleted on XX/XX/XXXX ( Report confirmation # XXXX ). DELETE THIS ENTRY IMMEDIATELY. In re-inserting this entry, they are in direct violation as I did not receive a 5 day notice from them.

XXXX XXXX XXXX ( Account # XXXX ) was deleted on XX/XX/XXXX ( Report confirmation # XXXX ). DELETE THIS ENTRY IMMEDIATELY. In re-inserting this entry, they are in direct violation as I did not receive a 5 day notice from them.

XXXX XXXX ( Account # XXXX ) was deleted on XX/XX/XXXX ( Report confirmation # XXXX ). DELETE THIS ENTRY IMMEDIATELY. In re-inserting this entry, they are in direct violation as I did not receive a 5 day notice from them.

I AM DEMANDING THAT ALL OF THE AFOREMENTIONED ACCOUNTS BE DELETED FROM MY REPORT YET AGAIN!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a previous complaint, but it was closed without follow-up or conclusion. TransUnion is reporting an account that is past the 7 year limit with an incorrect opening date of 2014. I did not open any student loans in 2014. TransUnion is not requiring proof of information when they conduct their investigations, and they refused to provide me with the verification of accuracy when I called them. They just told me it was verified but that they could not send me the documentation.

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 2018-02-08
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
PLEASE REMOVE XXXX XXXX AS AUTH USER : SS @ XXXX ACCT XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-29
Company: BB&T CORPORATION
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/XXXX, the XXXX XXXX XXXX ( XXXX ) repossessed my vehicle, XXXX XXXX XXXX VIN # XXXX from my residence. XXXX 's manner of repossessing the vehicle is illegal in the State of XXXX. XXXX did not notify me by certified or registered mail of a right to cure and repossession which did not give me the rights to challenge the repossession.

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 2018-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Transunion will not remove a paid collection debt that l had owe from XXXX XXXX., and affillated acceptance co.off my credit report. They told me that they would remove it. also so did so did XXXX XXXX. said they would remove it. after l pay it off.

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 2020-12-07
Company: Convergent Resources, 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: Investigation took more than 30 days

Complaint:
I sent 4 dispute letters Over the course of over 200 days asking to send proof of verification that this debt was valid and I never received a proper response. What I did receive was a bill in response to the letters I sent to the credit bureaus. A bill is not proof of a verifiable debt. It has been over 200 days and still no valid proof of how this debt is Being verified. The Payroll fell to notify me with proof that this is a valid debt that I owe.

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 2021-07-17
Company: KEYCORP
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a check for {$2700.00}. It was for secret shopping. The check was received on XX/XX/XXXX but I deposited it around XX/XX/XXXX. I never spent the money. I never used the money or withdrew it. KeyBank found it as scam/fraud check so they restricted my account. I can not pay my phone bill or anything like that because all my direct deposit goes to that bank. I have no access. There has been no follow up email. I still have everything they gave me to use as proof except the email they used.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Had fraudulent charges. Company reversed them and sent me new card as well as letter saying they had made mistake. Asked me to send in documents and photos which I did numerous times. Promised call back in 5 days on 3 seperate occasions. I have XXXX in that account and today was told I was out of luck and would not be able to access it at all

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 2020-12-21
Company: SYNCHRONY FINANCIAL
State: WA
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, SYNCB add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2018-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
XXXX XXXX BANK XXXX NA # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX ( XXXX ) XXXX I want the above account removed from my three credit reports. ( TransUnion, XXXX, and XXXX ) This account says that it was discharged in a bankruptcy. This account was NOT included in a bankruptcy. This account DOES NOT belong to be me and I want this account removed ASAP. 


XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX I also want the above account removed from my three credit reports. ( TransUnion, XXXX, and XXXX ) This account says that it was discharged in a bankruptcy. This account was NOT included in a bankruptcy. This account DOES NOT belong to be me and I want this account removed 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 explanation
Consumer complaint received 2020-10-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Pursuant to complaint Number XXXX filed with the CFPB to which Wells Fargo responded that they need more time to provide a more thorough response ... I am attaching this complaint and response as well as a letter received by myself from Wells Fargo Bank dated XX/XX/2020 stating the same that Wells Fargo Bank needs more time which is reasonable ... I ask Wells Fargo to look into ways their policies and practices can be deceptive to bank account holders as well as serious mistakes made as evidenced by my own awful experiences with Wells Fargo Bank ...

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 2022-03-30
Company: GUARANTEED RATE INC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I purchased a home using my VA Loan in XX/XX/XXXX. In XX/XX/XXXX I received a letter from the XXXX of XXXX informing me new construction home had incomplete permits & construction. Apparently the XXXX XXXX XXXX got into a disagreement & the three homes on this lot were allowed to be purchased & occupied without disclosing to the buyers these homes were completed per plan & code. 
The city sent a letter to myself and another veteran family that we were now responsible for getting the project completed and up to code. I'm requesting your assistance in resolving this matter with the XXXX & XXXX XXXX so I may live in peace.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Exeter Finance Corp.
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:
I Have sent over and also call this company about this matter for about 2 months. I Have accounts as well as an address that does not belong to me but they continue to call it " verified '' in which they have it gave me proper proof that what their saying is " verified ' is not actually really accurate. Having Unverifiable accounts on my credit report is against the law and they still continue to not follow the law in my case. I have file an FTC report and sent it to them with also other documents showing them what I stated is correct to proof what I am saying is correct. They still yet to give me a real investigation on my case. Again those accounts and address do not belong to me and want them situation handle the correct way. I am tired of being treated this way and I have a right to an accurate credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: CarMax, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted XXXX XXXX regarding one late payment showing on my credit report dated XX/XX/2016. The arrogant customer service representative did not make any efforts to assist with my request. My payment history has been excellent with the exception of ONE late payment. She rudely hung up on me without providing any other options to rectify the one reported late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent 2 certified letters to HUNTER WARFIELD they have refused to acknowledge these letter for them to Only to ( VALIDATED ) this so called debt I Dont need a verification done I demand this debt to be VALIDATED by XX/XX/2018 received this Certified letter on XX/XX/2018 Tracking number # XXXX this company is demand they VALIDATED this debt they claim I owe. They have refused to VALIDATED this so called debt I will be filling a lawsuit against this company if debt not VALIDATED within the time allowed. Send results by email only @ XXXX UCC 1-308 WITHOUT PREJUDICE

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for a jumbo loan with Wells Fargo, {$4.00} XXXX. I have {$30.00} XXXX in assets and am inheriting {$5.00} XXXX this XXXX as a one time gift. 

Wells Fargo had all of my documentation over 2.5 years ago when we obtained a construction loan and there have been no new material changes. One of my commercial entities had late payments on a commercial mortgage 5 years ago, the account is not past due and has not had any negative credit reporting but Wells Fargo underwriting has decided that is reason to now decline my loan. 

I have had my rate locked for over 2 months and am 3 days away from being able to move into our new home. Our family has received no communication that this was even question and our bankers have been on leave multiple weeks. 

A decision not to do the loan is completely acceptable but they ( Wells Fargo ) gave no indication at any time it was not approved until today ( XX/XX/2020 ). We requested to put even more money down or any amount they requested as well. We have already paid {$2.00} XXXX down on the home.

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