BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Someone or some companies have used my social security number to apply for multiple credit lines, loans and bank accounts causing many inquiries on my report which i did not authorize. These inquires do not belong to me ; XX/XX/XXXX california XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX first citizens bank XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX first XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX UNIFY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX va XXXX XXXX XX/XX/XXXX AOD federal credit union XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX Ally bank XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX DBA XXXX ; XXXX XXXX XXXX XXXX ND XXXX XXXX XX/XX/XXXX XXXX bank XXXX XXXX market XXXX XXXX DE XXXX XX/XX/XXXX Elastic XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XX/XX/XXXX XXXX credit XXXX XXXX XXXX XXXX XXXX FL XXXX UT 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 2017-07-21
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 information incorrect

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Reporting Agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. The following companies I have NEVER done business with : XXXX XXXX XXXX OR XXXX XXXX XXXX. I DO NOT have a signed contract nor ANY contract with XXXX XXXX XXXX OR XXXX XXXX XXXX. I have the right to demand a to see an original signed contract between XXXX XXXX XXXX and myself and XXXX XXXX XXXX and myself. These contracts do not exist, the accounts are unverified, and hurting my credit report. Therefore, the below mentioned accounts MUST be removed from my credit report immediately. XXXX XXXX XXXX, {$520.00} XXXX XXXX XXXX, {$570.00}

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 2022-08-25
Company: EQUIFAX, INC.
State: NY
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 am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.This account unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX Date Opened : XX/XX/2014 Balance : {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
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:
I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

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 2017-07-21
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: Their investigation did not fix an error on your report

Complaint:
I have tried numerous times to get my credit file corrected. Equifax is taking less than 2 hours to "  investigate '' the inaccuracies. One example is a Chapter XXXX bankruptcy with inaccurate information within it. I received the result of there " investigation '' 1hour and 30 min after submitting the dispute. Equifax has received many disputes this year from me and has a record. I want a copy of what they sent to the creditor and a copy of the responding parties response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: Paramount GR Holdings, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was contacted by XXXX XXXX XXXX about the refinancing of my home and during this phone conversation trying to get me to refinance with this company i was told that I could cash out {$500.00} dollars and it would only raise my payments approximately {$5.00} a month. I was also given a payment amount and I then stated for them to make sure that it was correct because I pay both city & county taxes and for them to figure them correctly to get my payment correctly. When I received the info of the payment it was raised over {$50.00} which I excepted since I was going from an adjustable loan to a fixed mortgage. I explained that I was at their mercy because I do n't understand all of this stuff. Then when all was completed, I attempted to contact these people that I dealt with and they would n't answer, return calls, or emails. I then contacted the manager and he stated that the employee made a mistake and said that that it was coming from my escrow that I paid to the other mortgage company on previous loan. I explained that is already money that I was getting back and they did n't know how much that I paid in escrow Plus that it was discussed about it raising my payment to get this money. The manager then told me that it was n't an unreasonable amount so he will email the VP immediately and get back with me 2 days later on Thursday and he did n't. He then would n't answer calls from me and I sent him a email that he did n't respond to as well. I contacted someone else which they emailed the manager and he finally contacted me back and told me they were not going to honor what I was told because they said that I got a refund from my previous mortgage lender. I explained again that has nothing to do with what was discussed and that they had no idea what I had in escrow during this time of trying to sell me this loan. I also told him that these type of lending practices are not ethical of promising stuff to get me to buy a loan from them and then not honoring what they stated during these recorded conversations after I sign loan agreement was n't good lending practices and that I would report this!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
DELETE THE FOLLOWING UNKNOWN HARD INQUIRIES OFF ALL MY REPORTS. NOT DONE BY ME. 
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 2022-01-27
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since XXXX of XXXX we have held a mortgage with Shellpoint Mortgage Company. We pay our mortgage on the last day of the month for the first of the following month via automatic bank withdrawal. In XX/XX/XXXX our monthly payment was incorrectly applied to principle instead of XXXX 's monthly mortgage payment. Since then we have been charged late fees and penalties. We have made numerous calls to Shellpoint 's various departments in an effort to correct this problem with no satisfaction. They are looking for an additional payment of {$1100.00} which includes our normal monthly payment of {$1000.00} plus {$86.00}. We are asking them to subtract the misapplied payment towards the principle and add it to the monthly payments and remove all late fees and penalties from our account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: BARCLAYS BANK DELAWARE
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I went to a Wyndham sales presentation on XX/XX/2019 at XXXX XXXX, Tennessee. I am a Wyndham owner and already have a Wyndam credit card. 

When I was speaking to the salesman, I was clear that I did not intend to make a purchase, and told him that both my husband and myself have Wyndham credit cards. The salesman asked us to make sure our account information was up to date and had us sign a statement that it was. 

About 10 days later, I received two notices fr om Barclay 's Bank, stating that we did not qualify for the credit cards that we applied for because we already had open accounts. I have been in contact with dozens of Wyndham owners who have been lied to and tricked into having a credit report run this way. It is a pervasive problem throughout the Wyndham franchise.

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 2018-12-01
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the XXXX XXXX official complaint is against PRO COLLECT & XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.

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 2017-07-21
Company: Green Trust Cash, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out a {$450.00} installment loan with XXXX XXXX in XX/XX/XXXX. My payment was an ACH payment of {$100.00} every two weeks. I called them up on XX/XX/XXXX to get my balance to pay in full on XX/XX/XXXX. The representative said my payoff will be around {$530.00} on XX/XX/XXXX. This is ridiculous and should be illegal the amount of interest that this company is charging. What Greentrust is doing to consumers is tantamount to a armed robbery!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
This is the letter I wrote to Navient on XXXX XXXX XXXX. 
Below is my detailed Student Loan Information. I have also enclosed a pay-out history showing the payments that have been made to date, including CAPTIALIZED INTEREST and LATE FEES. 

I do not understand how I can be charged INTEREST in ADVANCE. The first loan was paid in full prior to the original due date, however, based on this CAPITALIZED INTEREST I was charged for interest on this loan for the entire duration of the loan even though I paid it off early. 

I would like detailed explanations for the following charges : 1. I would like an explanation and justification for the charges of Capitalized Interest. The TOTAL in CAPITALIZED INTEREST since XXXX is {$10000.00}. This is in addition to the monthly interest I have been paying. 

2. The TOTAL in LATE FEES since XXXX ( which was a result of the XXXX foreclosure crisis when my husband lost his business ) is {$210.00}. 

3. I would like an explanation of the an AdjustmenXXXX of {$1700.00} made on XX/XX/XXXX. 

4. I would like an explanation of the fees charged on the following payments : Payment of {$250.00} on XX/XX/XXXX - {$210.00} fee Payment of {$240.00} on XX/XX/XXXX - {$22.00} fee Payment of {$380.00} on XX/XX/XXXX - {$11.00} fee Payment of {$190.00} on XX/XX/XXXX - {$11.00} fee 5. I would like an explanation as to why NOTHING was applied to my Principal Balance for payments on the following dates and ALL was applied to interest : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX All payments that were made on the XXXX of the month for the entire year of XXXX All payments that were made for XXXX, XXXX, XXXX, XXXX and XXXX of XXXX In summary I have calculated the following : INTEREST PAYMENTS TO DATE : {$15000.00} CAPITALIZED INTEREST TO DATE : {$10000.00} XXXX. FEES {$260.00} LATE FEES {$210.00} UNEXPLAINED ADJUSTMENT {$1700.00} {$28000.00} It seems criminal to me to be charged {$28000.00} in interest and fees on a loan of {$48000.00}. I DEMAND AN EXPLANATION. 
I am wanting to pay the other 2 loans off within the next 30 days. I would appreciate an adjustment of the CAPITALIZED INTEREST as well as all the other interest and fees paid to date on these. 

You can calculate a PAID IN FULL date of XX/XX/XXXX. 

It appears to me that YOU owe money to ME. 

Please be advised I will take this to the highest authorities possible in order to have this type of criminal activity exposed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I used synchrony bank. I asked them to extend me credit of XXXX over what I have and they charged me XXXX. Within a week I sent money to close account. I realized they charged me excessively for XXXX snd want half my interest back They are outrageous Pls advise. 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 explanation
Consumer complaint received 2017-07-21
Company: EQUIFAX, 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 information incorrect

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Reporting Agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. The following companies I have NEVER done business with : XXXX XXXX XXXX OR XXXX XXXX XXXX. I DO NOT have a signed contract nor ANY contract with XXXX XXXX XXXX OR XXXX XXXX XXXX. I have the right to demand a to see an original signed contract between XXXX XXXX XXXX and myself and XXXX XXXX XXXX and myself. These contracts do not exist, the accounts are unverified, and hurting my credit report. Therefore, the below mentioned accounts MUST be removed from my credit report immediately. XXXX XXXX XXXX, {$520.00} XXXX XXXX XXXX, {$570.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX  XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XX/XX/XXXX {$1500.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1200.00}, XXXX XXXX ( XXXX XXXX : XXXX XXXX ) XXXX XX/XX/XXXX {$770.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1000.00}, XXXX XXXX  XXXX XX/XX/XXXX {$2000.00}. Inquiries : XXXX XX/XX/XXXX, XXXX XXXX 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 2022-01-27
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: Account information incorrect

Complaint:
My mortgage loan with XXXX XXXX XXXX XXXX as of XX/XX/2022 is XXXX and is totally current with the next payment due on XXXX XXXX, 2022. Experian shows a loan balance of {$160000.00}, which is {$3800.00} higher than the current balance. This caused my FICO score to fall XXXX points ( it should have been XXXX points ), from XXXX to XXXX overnight aXXXX XXXX  XXXX XXXX and XXXX points at XXXX XXXX XXXX. XXXX was the one that advised me of my drop. 

I contacted XXXX as per their instructions and the told me that it was a XXXX XXXXXXXX XXXX issue and that I should contact them. I tried doing so but no living person answers my calls or messages. XXXX  XXXX XXXX shows a drop of XXXX points ( sic ) and XXXX shows XXXX, which is not deserved but at at least they can add and subtract correctly. 

I am considering terminating my relationship with XXXX  XXXX XXXX because : 1. They make many mistakes, which you will be able to see in my previous complaint to you and, 2. It is impossible to get them to answer a call or message. 

PLEASE! HELP!!!!!!!!!!!!!

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 2016-11-16
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XXXX, 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. Navy Federal Credit Union damaged my Credit report. Even duplicating account information to the XXXX. 
I demand the following accounts be verified or removed immediately. Account Number Provide Physical Verification. 
1. NAVY FCU Account # XXXX XXXX 2. NAVY FCU Account # XXXX Unverified 3. NAVY FCU Account # XXXX Unverified 4. NAVY FCU Account # XXXX Unverified I hereby authorized NAVY FEDERAL CREDIT UNION TO RELEASE INFORMATION TO THE CONSUMER FINANCIAL PROTECTION BUREAU.. 
Thank You, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After looking over my own credit report I have found a few accounts that I believe are reporting in error. I have requested multiple times proof of ink signature documents according to section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( XXXX ) ( A ) of the Fair Crediting Reporting Act showing that these accounts are indeed verified and belong to me and I am not aware of them. The accounts still haven't been verified legally to standard but continue to be reported on my credit report after months of request to have them removed. 
I am seeking the removal of these negative accounts that are reporting on my credit file or legal verification showing that these accounts belong to me. Please see below the accounts information in question. 

Account XXXX # XXXX Balance : {$20000.00} UNVERIFIED ( past XXXX yrs old )

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