BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
The following companies ran unauthorized credit inquiry on my credit report. Thus, these are suspicious and needs to be deleted asap. 

TRANS UNION, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and 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 2022-07-11
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I previously filed a complaint and was given unsatisfactory answers from Wells Fargo the complaint number was XXXX it was submitted on XX/XX/XXXX I am resubmitting this complaint with further details to the lost note, the robosigning, and the incorrect documentations on my property. 







In the documents that were used to start the initial foreclosure proceedings we have a signed lost note affidavit from Wells Fargo signed and notarized stating that XXXX XXXX XXXX an authorized signer for Wells Fargo states that Wells Fargo was the current owner of the note and acquired ownership from XXXX XXXX on XX/XX/XXXX in the information that was sent back from Wells Fargo in response to our complaint submitted in XX/XX/XXXX Wells Fargo states that they were servicing the note. The assignment of mortgage was signed and dated in XXXX from XXXX XXXXXXXX to Wells Fargo! There is an obvious gap from XXXX to XXXX there is no documentation to back up the legal transfer from XXXX XXXXXXXX to Wells Fargo in XXXX or XXXX the only thing we have is as an incorrect assignment of mortgage it was robosigned with only initials by XXXX XXXX XXXX XXXX, and XXXX XXXX known robosigners. No documentation supporting the transfer, and to this day no note on this particular transaction. The assignment of the note was not properly assigned the correct legal form for NY State was not used. Wells Fargo states that the robo signing issue had already been addressed with the Office of Comptroller of Currency but that has nothing to do with the foreclosure of the documents of my home that are not correct. I find it hard to believe that a bank that acquired ownership of a property would wait two years from XXXX to XXXX to legally file the assignment of mortgage with the county clerks office. There is an obvious break in the chain! Please refer to the prior documents that have been submitted prior! And for the record I noticed that they hadn't used the most correct lost noted affidavit instead they chose to use one from XXXX vs the more current one from XXXX where they stated they were the current owner in XXXX to present! Please look at the afffidavit stating that they were the owner not servicing the mortgage for XXXX XXXXXXXX! 
I have a current complaint that was submitted on

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 2017-09-02
Company: Experian Information Solutions Inc.
State: NJ
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 There has been a breach of my personal information as : A credit card account, multiple cell phone accounts, an installment loan, and credit inquiries have been placed on my credit reports and has ruined my reputation with certain businesses. 

I 'm formally requesting for it all to be removed immediately from 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 2021-08-25
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Allegedly Im assigned a person within this company to assist specifically for the possible prevention of foreclosure. The person has changed many times since my assignment with them as a consumer. Yet I get form letters telling me to contact them for additional assistance and they are NEVER available. I believe it was spoc something but Ive yet to have a conversation. I havent talked to anyone on the phone from this company since XX/XX/2020. On a couple documents a person who was removed was rubber stamped on a updated situation after they were reassigned by a new rep and I never had and conversation with them but they are included in dialogue like they preformed services on my behalf. Who are theses mystery people why are they so hard to get a hold of? Are there so many distressed account nobody can get to them IT cant be case load cause Im sure XXXX XXXX  has the man power .. how can this component thats put in place to help never contact me and dont take calls sign off on situations they arent engaging from the standpoint of the consumers perspective? I only email the spoc person once and he replied and was reassigned then a new and a new and a new one etc and they co-sign like the are engaging me with out any interaction to actually see whats the issue causing foreclosure cause had they would have been proactively involved the communications wouldnt have been this bad

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
during the processing of our mortgage, Primelending mortgage service  has not fulfilled their commitment for the locked rate. It caused us higher interest rate plus extra charge for the point. Their reason was we delayed the appraisal, which we have communicated with them it would have to be hold-back for a week. In turns, they keep delaying the disclosure statement, and escrow date was moved back twice due to their lack of response. The escrow service team and the vendor lawyer had contacted them numerous time to finalize the deal, the deal almost fell through.
we have contact Primelending and the reply was our fault for delaying the appraisal process, and our debt ratio exceed their guideline which has never been stated. Also, we have rental agreement with a tenant with a monthly payment qualify for the mortgage.
We much appreciated you could open an investigation into the issue.
Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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:
I have a lot of inquiries on my credit that I am not aware of. I saw a inquiry from a car place called XXXX XXXX on XX/XX/XXXX then I see another one from a XXXX XXXX XXXX also onXX/XX/XXXX and I see another one and XXXX XXXX also XX/XX/XXXX I have not went to a dealership it tried anything with XXXX XXXX the only inquires I made were with XXXX XXXX XXXX and XXXX. The rest I am not aware of and would like to see disputed off my credit because I have never applied for any other credit card besides XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. Equifax did not report this breach in a timely manner, and even then did not provide notification to me through mail, phone, or email. When checking to see if I was affected on the Equifax website, Equifax chose to not provide a simple yes-or-no answer. They have only stated that " they believe my personal information may have been impacted by this incident. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
I, along with 143 million other American consumers, was affected by the Equifax cyber-security breach. I am beyond furious. This means that the people responsible have my Social Security number, address, and all of my personal information. Now, and for the rest of my life, I am at risk of identity theft. Worse still, I never even had a choice in whether or not my information was indexed by Equifax. As a human being, I am in their system whether I want to be, or not. As if the system of credit, i.e., a faceless entity deciding whether or not I have financial freedom, was not corrupt enough! The system is horrendous to begin with, and now it 's been compromised. Consumers are helpless. Consumers are angry. And consumers will no longer stand idly by while we are made to suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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:
This is all to do with the personal data leaked from Equifax, mid-XX/XX/XXXX through XX/XX/XXXX2017. I just found out about it and went to their poorly provided website ( http : //www.equifaxsecurity2017.com ), which asked me to provide most of my SSN to confirm if I am affected, which I am, along with 143 million others. I submitted a request to do a temporary 90 day freeze on my account through XXXX, because I have no confidence in Equifax. I still have to do this for the rest of my family. I work for a company that has to deal with PCI and HIPAA compliance and I do n't understand how a company that collects this much private information without consent can have such oversight and disregard for the rest of us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: CREDIT ACCEPTANCE CORPORATION
State: SC
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:
The dates I am note actually sure. I brought an used vehicle and when I test drive it I had no issues so I then proceeded with purchasing it. After driving a while the car would jerk and than stop I spoke with the salesmen and Advised him of what was going on and I also took it to be tested and there was something wrong with the engine valves I was then told the car wasnt worth the money. After getting an oil change I woke up to go to work the car would not start. I had the vehicle towed to my mothers home so it could be looked at the tow truck came and repossessed the car I was walking out to give them the keys and they drove off really fast. I feel like I should be relived or have and very low pay amount being that I was sold an bad car.

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 2017-09-09
Company: EQUIFAX, INC.
State: WY
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: MN
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:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security  protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
All three credit bureaus are reporting different date of last activity on three inaccurate accounts reporting on my credit report. The account for XXXX acct # XXXX, XXXX XXXX acct # XXXX, and account XXXX acct # XXXX, are all reporting different DOLA dates. The keep coming back saying it's accurate. How can it be accurate when everyone is showing a different DOLA date for each reporting.

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 2022-02-08
Company: General Motors Financial Company, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2019, I was in a car accident. I reported the accident to my insurance Co and the finance company XXXX.. My car was totaled and covered by gap insurance and XXXX XXXX XXXX XXXX is reporting this account as a charge off with a balance due and reporting as late payment and it wasn't late. Please update and remove. This is reporting on all 3 Credit Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: WA
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:
On XXXX XXXX, XXXX at approximately XXXX PM, I became aware that credit report may have been involved in a hack, leaked, and is currently compromised through Equifax. They gave me no notice or warning and I was lucky enough to see a warning online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Experian Information Solutions Inc.
State: AZ
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 am also included in a XXXX Data Breach Settlement. My name is included in the data breach for settlement. 

I have sent certified documentation into each bureau. The documentation that I mail in by way of certified mail included a copy of my notarized identity theft report statement, copy of my drivers license and social. I also provided my current address, phone number and email address. I will attach documents once again. XXXX has already removed the negative items I am waiting for your company to do the same. 

Spoke with a supervisor at EXPERIAN over two weeks ago and was told that the negative accounts would be removed and that they work with the other bureaus. Still nothing has been done.

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 2022-07-11
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: Investigation took more than 30 days

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$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 non-monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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:
Equifax caused my personal information, including sensitive information like my social security number to be improperly stored and accessed by unauthorized personnel. The fact that the executives sold their stock before disclosing this data breach speaks to the lack of ethical leadership within the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I am just stating for the record that I am a NATURAL PERSON and a CONSUMER that is filing this complaint. Do not close this complaint stating that this is not me. Now that I have passed that part, I am writing this because, I sent XXXX, Experian and XXXX letters disputing the validity of the inaccurate/fraudulent information that they have on my credit reports. I reached out to both companies about this and they still did not respond. I also didn't authorize any furnisher to report anything on my report. I will definitely be seeking litigation if this can not be corrected, because this is false and fraudulent information. I would also like for each company to show how they validated these account according to 15USC 1681 ( 2 ) A & B. Thank you for looking into this and please give me an update when you can.

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 2017-09-09
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On numerous dates in XX/XX/XXXX, I have contacted pennymac in reference to an increase in my escrow payments per month due to a mistake on their end. They originslly stated it was my taxes fault, but then changed their story and blamed it on my insurance company for not keeping up with my windstorm insurance. After speaking with my insurance company, they stated they had not changed anything in reference to my policies and any increase in pay was due to the mortgage company. After explaining to them what I found out, pennymac finally admitted on a recorded line that they XXXX XXXX  and forgot to collect for it so now doubled my escrow payment. If they made the mistake, why and I getting punished for it and having to pay payments out of my price range.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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:
Based on the finding out of the equifax data breach, I decided to protect myself by thoroughly investigating my own credit report and doing research. I own a XXXX XXXX, XXXX, and XXXX XXXX card and recently applied for another one and was approved. Upon seeing things affecting my scores I discovered XXXX hard inquiries, with many of them the Same one twice and all within a week of each other. I have purchased XXXX XXXX to protect myself and I am going to be placing a fraud alert as well. I am working on my credit to be able to apply for a house loan next year and need these unauthorized inquiries off. I have contacted equifax X/X/2017 please help me remove these inquiries from all CB please

Company response to consumer: Closed with explanation