BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 Is reporting a bankruptcy on my credit report. I have sent information to Transunion from the XXXX District Courts explaining that they don't report public record to the credit bureau. Upon sending this letter to Transunion and asking them to remove the Bankruptcy due to the court stating they don't report to the credit bureau Transunion has refuse to verify the information as to where the info came from and also has refuse to remove from my credit report as well.

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 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, and correction of the following erroneous information on my credit report : XXXX XXXXXXXX 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 2019-09-12
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I started my vehicle loan in XX/XX/XXXX with Santander Consumer USA. I endured a hardship with my job in XX/XX/XXXX through XX/XX/XXXX. I received letters in the mail from Santander from XX/XX/XXXX through XX/XX/XXXX about the assistance program offered with my loan. I called and many times I was told the program was unheard of or there wasnt one that existed. I finally was able to reach someone who can set me up with assistance. From XX/XX/XXXX until XX/XX/XXXX I was told I would be on a payment plan and as long as I paid the amounts requested it wouldnt effect my credit. XX/XX/XXXX I received a call saying I was 60 days past due and my car had been picked up and was pending repossion. I was given the option to pay and receive the car back or voluntarily sign it over. After doing so I was told I would receive notice of the sale and balance. The car was sold and the incorrect balance and account status was placed on my credit. I contacted Santander many times and this situation was never rectified. I reported this to the credit bureaus. Santander in turn continued to report the incorrect status and balance on my credit report. Knowing this is unethical and a violation of the FCRA, I would like the account to be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Accounts are not properly verified during disputes, Outdated information, Incorrect account numbers, Accounts that have been re-aged, Credit card account not reporting the credit limit, Charge off account showing currently showing past due, Open charge off accounts, Collection accounts with a credit limit, Closed accounts reported as open, Incorrect date of last payment, date opened, or date of first delinquency.

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: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i have contacted Equifax numerous times to tell them the inquiries on my credit file with them are erroneous and a violation of the 15 usc 1681 ( B ). I notified them that inquires can only be on my personal credit file by '' permissible purpose '' and the consumer is the only one that can give permissible purpose and consent to their credit file.

I the consumer did not give " permissible purpose '' according to federal law 15 usc 1681 ( B ) therefore this is a violation of federal law and a violation of my consumer rights. This erroneous info on Equifax consumer file has caused great stress in my and my families life. i contacted them 3 times and now i am contacting the C.F.P.B who was put in place to protect the consumer rights. i will be seeking damages for the violation of my rights that the company Equifax has caused. i demand the following inquiries be removed from my consumer file. 
XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX date XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX These are a violation of federal law 15 usc 1681 ( b ) Thank you Mr XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Reserve account is -XXXX, i called due to the fact that the account cant be overdrawn as a second chance banking reserve account. You cant overdraw that account, i transferred the money from regular checking to reserve. Afterwards i withdrew money due to attorney fees, which should of left account at XXXX   balance. However, they seem to give me the same info but i have not transferred any money from reserve to checking. Please help, i think they are abusing people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-17
Company: EQUIFAX, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: EQUIFAX, INC.
State: TX
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: Resurgent Capital Services L.P.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LVNV is trying to collect on an account that was opened fraudulently and will not send me supporting documents. At first when I saw the collection accounts, they said closed in 2018. But ever since I called them to let them know that Im a victim of Fraud, the accounts are now back open?! I dont think this is legal! Without supporting me with the proper paperwork no least.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-23
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
My dispute is with Experian and why they can not explain why my FICO Score dropped 60 points in a month. Their blase ' response is to provide me with percentages ... and a swipe of their hands to dismiss me because, as they say, FICO scores can not be disputed. HUH? I thought, " So you can't fight City Hall? I have no recourse, they say. Their Boost program might help my score, but I have to give them permission to review my bank statements ( after their breach in 2017 ), and/or apply to one of their referred credit card companies. 

Back to how my score would drop so drastically after a year of stabilization. I was considered fair and now I am considered poor and I don't know why it changed. I did apply to XXXX XXXX for a credit card, a hard inquiry. 

My credit report shows " You have no positive factors impacting your score. I had decent credit for years before I had a financial hardship, and they are on my credit report. And the credit card companies 'charged off ' my debt a while ago. And now Experian, shows that I have 7 NEW late payments. These are the old charged off accounts, except for XXXX which is in collections for {$160.00}. These are not NEW. Why are they affecting my FICO score now? 

Experian notified me of my credit score drop and immediately offered me credit card application solutions. 

Experian said that their models could change and this might be a contributor to my drastic score change. How can they decide to change models at the detriment of consumers? 

How can Experian being exempt from mistakes? 

I need help to correct this serious problem. I need a sound explanation as to why I am stuck under a thumb that doesn't care about consumers. This is UNFAIR! I

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 2020-07-06
Company: Experian Information Solutions Inc.
State: MA
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:
The " Personal Statement '' on my Experian account properly contains an " ID Fraud Victim Alert '' and states, " Do not extend credit without first contacting me personally and verifying all application information ''. It then provides two phone numbers. One is accurate -- it is my current mobile phone. The other is a former work number. I left that position over three years ago but the employer could still activate the number. I want to have that number removed. 

Experian 's website says that this information can not be changed via their website and provides the phone number XXXX to request the change. Calling this number provides a dead-end voice-response that has no relevant option and which eventually hangs up on the user.

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 2018-05-03
Company: ACRANET INC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
XXXX XXXX XXXX XXXX XX/XX/XXXX is unauthorized because I dont have a bank account with them XXXX is unauthorized XX/XX/XXXX because I do not recognize this XXXX XXXX XXXX- fraudulent XX/XX/XXXX Acranet-XXXX XX/XX/XXXX XXXX XXXX- mortgage shopping and I dont have an account with them. I do not recognize this XXXX- unauthorized XXXX XXXX-credit monitoring service did not remove inquires and checked credit to help Did not give consent for the hard inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized XXXX XXXX XXXX I dont recognize this Please remove all of the inquiries

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: Colony Brands, Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Ginnys is an online store. Ginnys, XXXX XXXX, and XXXX XXXX are all 3 the same sister company. XXXX XXXX has sent me a letter saying the account was opened fraudulently. But the other 2 Ginnys and XXXX XXXX wont close theirs even though all 3 are the same account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Ive contacted Bank of America, who has taken zero action or authority and changes their story as to why the next step has not happened. They refuse to proceed with a foreclosure on a vacant, legally abandoned home since XXXX, cancelled a scheduled foreclosure for XX/XX/XXXX of XXXX. My loan is now 11 years old and I owe 56 percent more then its original principal because they have dragged there feet and hid behind the covid moratorium that does not apply given the property is both vacant and abandoned. Please help as the only one that is benefiting from this is Bank of America and it is not right.

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 2020-06-29
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 My mortgage servicer was XXXX XXXX XXXX they sold their mortgage servicing assets to NewRez LLC dba Shellpoint Mortgage Servicing XX/XX/2020. On XX/XX/2020 my mortgage payment servicing functions transferred to shellpointmtg. The problem began when XXXX intentionally transferred a mortgage escrow shortage balance to shellpointmtg on XX/XX/2020. The escrow shortage they transferred to shellpointmtg was in the amount of XXXX They also transferred incorrect Real Estate Tax information to shellpointmtg that caused my monthly mortgage payments to increases by {$230.00} monthly. The intentional incorrect information XXXX transferred to shellpointmtg caused my mortgage payments to increase from {$560.00} to {$800.00} monthly. I have written to shellpointmtg 10 times with documentation that shows XXXX records were incorrect in regards to the Real Estate Tax escrow shortgage ; and I have called them over 10 times to try to get the matter corrected. Shellpoint has refused to correct the mistake. They say it can only be corrected with a new Tax bill mailed or faxed to them showing a different amount, a lower amount. So now they are keeping regular monthly payments of {$560.00} in an unapplied funds for over 20+ days. It appears from my observation that they don't apply my previous month payment to my principle balance until it's around time for me to make the next month payment ... I have to call into their customer service department many times asking them to apply the money they are holding in unapplied funds to my regular payment. For example, they received my XXXX payment On XX/XX/2020, the funds were removed from my checking account on XX/XX/2020 by shellpointmtg but  they did not apply it to my mortgage principle balance until XX/XX/2020 ... after I called in atleast 4 to 5 times requesting them to apply my payment they were holding. They received my XX/XX/2020 payment on Friday, XX/XX/2020 and removed the funds from my checking account on Monday, XX/XX/2020 but have not as of today ( XX/XX/2020 ) applied it to my mortgage principle balance. It's setting in unapplied funds. Since XX/XX/2020 these are a few of the people I have called and talked to about my mortgage account : XXXX XXXX XXXX in customer service he said he was in XXXX Arizona, XXXX XXXX XXXX in the XXXX department she said she was with the XXXX SC office, XXXX XXXX XXXX in XXXX XXXX department, XXXX XXXX XXXX on XX/XX/2020, XXXX XXXX XXXX on XX/XX/2020, XXXX XXXX XXXX in the collections department on XX/XX/2020, and last XXXX XXXX XXXX on XX/XX/2020 she called from XXXX Arizona..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
During the pandemic I had to make a decision to either pay my car payment of $ XXXX  monthly or pay my mortgage because Im a single mother of XXXX children. I decided to surrendermy vehicle to Chrysler Capital after numerous attempts to either lower my payments or refinance which they do not so I was receiving daily calls to make payment even through my job was uncertain. I explained my situation and asked why my balance in the beginning was around {$29000.00} and after three years of struggle to pay this huge car payment my balance barely ever decreased even when I was on time and continuously paying. Once I realize I couldnt afford the vehicle, the company towed the vehicle away. Some weeks later I got a letter about a auction to sell my vehicle during the absolutely worst economic time, they only received around {$6000.00} for my car. Then I received another notice stating actually the vehicle was junked for that balance Im not sure what really happened however the balance is still accruing causing my credit score to plummet from the rising unpaid balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 a loan with CAPITAL ONE BANK USA. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I XXXX, XXXX and CAPITAL ONE BANK USA with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: Santander Consumer USA 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:
Santander Consumer Acc # XXXX {$16000.00} XXXX XXXX XXXXXXXX # XXXX {$660.00} XXXX  / XXXX XXXX XXXX I Acc # XXXX {$470.00} XXXX XXXX XXXX Acc # XXXX {$500.00} XXXX / XXXX  XXXX Acc # XXXX {$350.00} XXXX XXXX  XXXX XXXX # XXXX {$220.00} Santander. Acc # XXXX {$16000.00} I did an FTC report with all the items that do NOT belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22
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: Personal information incorrect

Complaint:
Equifax keeps adding back fraudulent addresses. I have requested now 4 times to remove the addresses marled as fraud and they keep reporting them back to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-11
Company: Mission Financial Services Corporation
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: Account information incorrect

Complaint:
I sent a dispute letter to the company on XXXX stating that they have a incorrect and inaccurate balance reporting on my credit report company say I owe {$53000.00} but never showed proof i owe this amount

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: KEYCORP
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: Information belongs to someone else

Complaint:
Keybank allowed an inquiry to go through my transunion credit report that I did not authorize, nor was the consumer statement cleared. I did not authorize any products through their company nor did I authorize any applications to be submitted in my name. The inquiry date is listed below, I am a victim of identity theft. This application is fraudulent, and I want this withdrawn and removed from my consumer credit file XXXX Bureau since I did not authorize this to be submitted to begin with it is fraudulent. 

KEYBANK NA XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home in XX/XX/XXXX, for XXXX, PMI should have come off at 80 % XXXX XXXX. I refinanced with Quicken Loans in XX/XX/XXXX balance of XXXX, no cash out, they did not do an appraisal, original purchase price is what they used when I refinanced, now they will not remove my PMI and the balance is XXXX. They say the original price they base it off of is XXXX, but still the online estimates all say my home is between XXXX and XXXX. How can they illegally change the value of my home so it looks good in their books.

Company response to consumer: Closed with explanation