BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-30
Company: EQUIFAX, 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:
Equifax illegally reinserted an alleged account from XXXXXXXX XXXX  on my credit report. This account was removed in XX/XX/2021 and upon checking my credit today I noticed that equifax reinserted account dispute the fact account was already removed, despite the fact they sent me no written notification of the reinsertion Thai is unfair please make the necessary adjustment to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ever since my accounts were transferred from  XXXX   XXXX  to Huntington my mortgage account and funds have been severely misused. I knew my payment would be due around the beginning of the month in  XXXX , about the same time that the transfer happened. On  XXXX  I called to be sure my mortgage account would still be paid automatically. the first person I spoke to said it 'might not ' be. The second person I spoke with said it 'should ' be. I spoke to several different people because I had not, and still have not, received any debit card or checking account statements and could not setup an online account. Later that night I was able to login to the online account and while picking around at it I noticed that all of the information including the amortization schedule showed that my next payment was due  XXXX  so it would seemed the automatic payment had indeed been made. However it also showed that my next payments were going to be going 100 % toward interest- every penny. I questioned this ( again on the evening of  XXXX  ). On  XXXX  I received a response stating they were looking into it. On  XXXX  I again reached out stating that I did not want to make further payments until this was corrected, and a few days later I received a call saying that they were still looking into it and had put a note on my account to not be charged any fees during that time. On  XXXX  I began receiving calls asking " when I was going to make my payment '', even though there was no actual 'payment due ' as can be seen in my statements. When I responded that I was waiting until the issue was cleared up they reassured me multiple times that it was. I made a payment in the usual amount ( payment plus some extra for principle ). Around  XXXX  I received a statement showing that not only was 100 % of my regular payment indeed applied to interest only, but my " payment due '' for  XXXX  was  DOUBLED! In  other words, they blatantly lied to get me to pay a payment that they completely mishandled and/or have switched my loan type to an interest only loan without any consent or notice whatsoever then DOUBLED my payment! It is beyond frustrating that larger companies can do this with no consequence, and I 'm sure I am not the on ly one they h ave done this to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I WOULD LIKE FOR THE LANGUAGE OF DISPUTE TO DISAPPEAR FROM MY CREDIT REPORT. SINCE IT SAYS THAT I AM DISPUTING THIS ACCOUNT AND I AM NOT OR AUTHORIZE TO HAVE THAT ON MY CREDIT REPORT. FOR THE ACCOUNT 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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 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 2021-12-14
Company: EQUIFAX, 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 found the following fraudulent accounts on my credit profiles : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I placed a credit freeze on XXXX XXXX XXXX XXXX XXXX XXXX XXXX,. 
I filed an identity theft report with the FTC and sent it to the bureaus along with an explanation. 

The bureaus still have these fraudulent accounts on my credit profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
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 found the following fraudulent accounts on my credit profiles : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I placed a credit freeze on XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 
I filed an identity theft report with the FTC and sent it to the bureaus along with an explanation. 

The bureaus still have these fraudulent accounts on my credit profiles.

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 2017-04-19
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Trying to refinance our mortgage to a fixed rate. Spoke with Quicken Loans representative and discussed we have excellent credit, new home (  3  yrs old ). Rep said they need {$500.00} down to start process and all closing costs fees could be rolled into the loan. Told him looking for fixed rate, no PMI insurance, closing costs rolled into the loan and felt our home could be appraised at {$250000.00}, like it was initially when we built it including  33  acres of land. Provided all of our financial information,  (  pensions, savings, and additional property to our home ). Representative confirmed we had excellent credit. Received a  Loan Estimate  on  XXXX  with closing costs for {$7700.00} and {$1000.00} CASH due at time of closing. Mind you, I was told I only needed to pay {$500.00} to start the process, the rest could be calculated into the loan.  Appraiser  then came to our home. On   XXXX   appraisal was done for {$210000.00} and homes in comparison were over  11  miles away and ranged from  7-28  yrs old and not good comparisons which now increased our closing costs to {$11000.00} with {$3200.00} CASH due at time of closing. When I called and questioned the appraisal I was told they can not dispute the appraisal. I told them I no longer wanted to pursue this loan. I called and spoke with the  Executive Office  that handles these matters and was told we could supply the appraiser with sales of our choosing. I just paid for the appraisal, why do I have to supply the information?  Quicken Loan  's process is a GREAT way to check individuals credit, their assets and increase loans and payments to obtain more money. The appraisal should have been a better comparison within a closer radius and similar aspects of our home. When we built our home three years ago rates were lower and it was a buyer 's market. Today, rates are rising and it is a seller 's market ... .should n't it have come in higher than the initial appraisal? Our home should not have lost value!!!!     I asked the  QL  representative hypothetically if we received the loan, defaulted and they took ownership of the home, would they include the hardwood and porcelain floors, solid surface counter tops, on demand boiler system, radiant floor heating, corian window sills, medallion cabinets, composite decking, triple pane windows, 33 acres, etc.. I requested the refund of the appraisal of {$450.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My daughter and I -- as joint owners of a condominium at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , CA  XXXX , loan #  XXXX  -- applied for refinancing of the condominium with  Bank of America  in late   XXXX   XXXX   XXXX  . We applied with loan office  XXXX   XXXX ,  XXXX  ID  XXXX , (  XXXX  )   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , Ca  XXXX .  Bank of America  led us to believe that our property was eligible for refinancing by them, and that approval by them depended solely on our ability to qualify for a loan through income, acceptable credit scores, and property value. After we had paid {$470.00}  ( by cre dit card on  XX/XX/XXXX  ) for them to obtain our credit scores and an appraisal of the condominium by an  appraiser obta ined by them, and after we 'd paid an additional {$15 0.00} ( by check  on  XX/XX/XXXX  ) -- at  Bank of America 's  request -- to condo management to supply master insurance policy and answer the bank 's lender questionnaire, the bank informed us that they did not ( re ) finance condominiums in our building. They also informed us that they 'd denied a mortgage loan to another resident in our building in  XXXX  for the same reason. We were completely unaware that B of A had denied any resident in our building financing or refinancing. From the beginning, we had a reasonable expectation that the refinance loan would be approved by B of A, since they originally financed our condominium in   XXXX   and held the papers on it until the latter part of  XXXX . Yet, they guided us through a costly and time-consuming application process, in which we were required to fill out voluminous paperwork and pay out personal monies, only to inform us that we were not eligible for refinancing by their bank.   Bank  of America kn ew or should have known from the beginning that they had established a business practice whereby they did NOT offer mortgage loans to units in our building. In addition to that, the bank should have required its Condo/Co-Op  Project Review Specialist to review our unit and building before, and not after, it required us to  pay out sums of money in order to proceed with the bank 's application process.     I have attached a list of instances, in which we have communicated with Bank  of Ame  rica, only to be totally ignored. I called in   XXXX   XXXX   and was directed to   XXXX   XXXX  , who is no longe r a loan office and no longer has an NMLS ID and could not help me. I mailed  XXXX   XXXX  's  manager th e same attachments I sent on   XXXX   XXXX   XXXX  , called him several times since then, and have received no response, even though his answering machine says he would respond  in 24 hou rs.

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 2021-12-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
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:
On XX/XX/21 I purchased a car from XXXX XXXX and only authorized them to run my credit. I did not authorize them to push it to anyone they wanted and they ran it along with the following banks : XXXX XXXX, Citizens One, XXXX XXXX and XXXX XXXX. Because of them doing this it has caused a major hit on my credit that should not have happened which caused many other things to then happen with my credit. I am trying to repair my credit but it says these hard hits will be on it for two years. I contacted the banks and they said to contact XXXX XXXX and I did that and they said it will be fine by the time I need a new car again. I have bought many cars and this has never happened before. Can you please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Experian Information Solutions Inc.
State: KY
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:
In accordance with the Fair Credit Reporting act 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 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-01
Company: Experian Information Solutions Inc.
State: IL
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:
In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.

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 2019-12-18
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Two Adverse accounts with Ad Astra Recovery Services Inc listed with collection agency, One for {$310.00} and the other for {$3200.00}. These accounts negatively affect my credit file with the 3 Bureaus.

XX/XX/2019 -Sent certified letter to request Validation of Debt to Collector XX/XX/2019- company mailed out statements of debt owed, not Validation.

XX/XX/2019- I sent a 2nd certified letter to collector stating " I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation and also listed case law Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ).

XX/XX/2019-They sent over the same statements failing to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Diaz & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter dated XX/XX/22 from Diaz and Associates, claiming that I owe an amount for a debt in the amount of {$630.00}. After careful review of my full credit report, I do not have an account with this entity, XXXX, nor owe said amount. All of my credit accounts are within good standing. I have no debt collection account, nor a derogatory remarks. This is a false claim for a debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I feel that trans union is artificially holding my credit at a lower level to force me to pay higher interest rates. I will be forwarding a copy of my credit report to both the  U.S Attorney and the Nevada States  Attorney.

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 2021-12-14
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My wife and I run a small personal business out of our home. A local bank - BBVA - was who we used for a couple years now. This year that bank was purchased by PNC Banking. 
The terms and conditions of our account changed drastically- but we need to finish the year out and swap banks on the first. However, the entire year 's worth of banking information from BBVA - prior to the swap to PNC- is gone. We can not access it electronically online- they have shut down the website. We can not access it through the PNC online resources. Now - PNC- is charging us for every single month of records we want from our account. Because of tax obligations we have to reconcile our accounts. They have made the process impossible and randomly expensive. We can't even get the account information from the bank- we have to request, pay, and they will mail it later to us - per the bank teller we went to the bank to speak with. 
How can we have an account for years, the bank be purchased and WITHOUT NOTIFICATION THAT THE BANKING INFORMATION WOULD NO LONGER BE AVAILABLE - have all access to it shut down? Now only is access gated, you have to purchase access to it. 

That was not the terms BBVA operated under. If PNC purchased them, they should be obliged to honor the terms of the agreements BBVA had with its customers. How can they just turn our bank account into a revenue stream for access? 

Is literally no one in the government overseeing the purchases of banks???

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: EQUIFAX, 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:
Equifax reporting fraudulent hard inquiries 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 XXXXXX/XX/XXXX These need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: EQUIFAX, INC.
State: AL
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 inaccurate information reporting n my credit report. I have made 4 attempts to resolve this issue ; however, I have not received any corresponding at all. My first attempt via mail was made on XX/XX/2021. They have not been able to validate this account ( XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights XXXXThe Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process.

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXXXXXX XXXX  /Account # XXXX ) Has violated my rights 2- ( XXXX XXXXAccount # XXXX ) Has violated my rights 3- ( XXXX  XXXX XXXXAccount # XXXX ) Has violated my rights 4- ( XXXX XXXX XXXX XXXXAccount # XXXX ) Has violated my rights 5- ( XXXXAccount # XXXX ) Has violated my rights 6- ( XXXX XXXX/Account # XXXX ) Has violated my rights 7- ( XXXX/Account # XXXX ) Has violated my rights 8- ( XXXX XXXX/Account # XXXX ) Has violated my rights 9- ( XXXX XXXX XXXXAccount # XXXX ) Has violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and Experian 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 accounts that are reporting on my Credit Reports : Experian : XXXX XXXX Balance Owed : {$6.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}

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