BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-15
Company: Security National Financial Corp
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The following complaint is being written because I feel like there has been some unfair practices exercised by my mortgage company which is Security National Mortgage and the appraiser hired by them to conduct an appraisal on my home for the purpose of removing my Primary Mortgage Insurance ( PMI ). Initially after four months of requesting an appraisal on my house it was only granted after I filed a complaint with the Attorney General for the state of Tennessee. I was charged almost a {$1000.00} dollar to pay for an appraisal that was chosen by my mortgage company. I was informed by my mortgage company that my PMI could only be dropped, if my LTV was 75.00 % because my loan wasn't more than five years old, although in my closing documents it states that my LTV has to be 80 %. The appraisal was conducted on XXXXXXXX XXXX XXXX and on XXXXXXXX XXXX XXXX I was notified by Security National Mortgage that I did not meet the criteria because my LTV was only 75.70 % and not 75.00 % as a result of the appraisal. Upon reviewing the appraisal, I notice a couple of things that didn't add up, such as the square footage of my home and some comps that the appraiser used that were almost a year old. I found this odd because two previous appraiser had the square footage higher and closer to what the XXXX XXXX  Tax Assessor has recorded. I also, notice the appraiser chose two houses outside of my subdivision that had been appraised almost a year ago and less in value when there were two comps within a mile of my house that he could have used. This concerns me greatly, because I had a market analysis done on my home and it appears the appraiser may have under valued my house by more than a {$100000.00}. I have attached a copy of the dispute submitted to Security National Mortgage along with one previous appraisal conducted on the house at the time of purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Had a refinance over a year ago on vehicle I purchased in XXXX with original lien holder XXXX. Refinanced for lower rate last year with PenFed. They have added atleast XXXX dollars to my loan and all kinds of predatory fees. I have missed no payments. Should ha e been finished with loan in XXXX at latest. They've added 2-3 more years to my term. Loan # XXXX XXXX XXXX XXXX 

This is a predatory, rip off company

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 2023-08-16
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to express my extreme dissatisfaction and growing frustration with Equifax 's continued disregard for accuracy and completeness in reporting information on my consumer reports. Specifically, I have discovered multiple inaccuracies and incomplete information pertaining to my XXXX account, particularly concerning the reporting of payment history, the duration of delinquency, and the associated dates of delinquency. 

This ongoing and unrelenting misinformation directly contravenes established federal statutes, including but not limited to 15 USC 1681e ( b ), FCRA Section 807-8, and FCRA 623-B. Moreover, it amounts to a blatant act of defamation, casting an unwarranted shadow on my creditworthiness and financial standing. 

I hereby demand the XXXX account be promptly DELETED from my consumer report. Failure to act upon this demand in a swift and satisfactory manner will lead to legal action. 

Please be informed that my resolve in this matter is resolute. I am prepared to pursue all available legal avenues to secure my rights and demand the justice that I am entitled to. The repercussions of Equifax 's noncompliance will be grave and costly, with each violation inviting a legal claim of no less than {$1000.00}. 

In light of the above, I ask that the CFPB step in to bring immediate attention to this pressing matter. The ball is now firmly in Equifax 's court to demonstrate its commitment to adhering to the law and providing accurate information to its consumers. Time is of the essence, and your timely response is crucial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: MI
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:
Someone applied for a credit card with THE XXXX XXXX XXXX XXXX XXXX and have a balance of {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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:
In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my rights : XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX  XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: NJ
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Remitly, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Hello, I would like to bring this to your attention and wanted my money back from Remitly. 

I made a money transfer to XXXX using Remitly on XX/XX/2023. 

The mistake I made was that the receiver account 's last digit was wrong. Instead of XXXX I wrote XXXX. 

I made the call to Remitly many times. 

On XX/XX/2023 - The customer care ( female candidate ) acknowledged that money did not transfer to any one. She said that in 48 hours the money will be sent to the right account. 

On XX/XX/2023 - The customer care ( male ) said that the concerned team is working on it and they are approaching Partnering bank. 

On XX/XX/2023 - The customer care ( Male name is XXXX XXXX said that the money is not sent to any one, he requested for a reversal of the money. This was the ticket number : XXXX On XX/XX/2023 - The customer care said that the concern team is still looking into the issue. 

On XX/XX/2023 - The customer care person said that the concern team is still looking into the issue. 

On XX/XX/2023 - I received an email that the money has transferred to the correct person. 

Now when I asked for Swift Copy they are not providing any SWIFT copy too. 

I wanted to officially complain about this and look for my money back. 

All the customer care recordings are not shared by them yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: DC
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$190.00} XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$320.00} XXXX XXXX XXXX Balance : {$190.00} XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Some one got access to my account and also made a card to use at ATM they also had my pen # .When I checked my account I saw the appending amounts I call the bank and told them it wasn't me. A few days later I looked at my account and they had okay the amounts. I put in a fraud complaint and they turned it down stating it was authorized. 
I call them as I saw the amounts on my account when they were pending to let then know I did not do it and they still let it go thur. Who every the person was they did it in New York and I live In XXXX. I call the bank as soon as I saw the pending amounts and they still let it go thur.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-19
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Got a phone call today XX/XX/2022 at XXXX from someone stating they were calling from LVNV funding about an old credit card account I had through XXXX XXXX I told her to send it to me in writing and to stop calling me she said they tried sending it and nothing was done about it and asked what was I going to do about it I told her Id like a cease and desist she asked me again what was I going to do about the debt I raised my voice and told her again for a cease and desist she asked again what I was going to do about it I then yelled into the phone that shed be reported thank you and I hung up the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a check stolen in the mail and someone rewrote the check for {$1300.00}. They took it to XXXX XXXX  and cashed it and of course fifth third bank ( my bank ) removed XXXX from my account. This happened on XXXX XXXX, XXXX. It shouldn't take 3 months or longer to correct this and return the funds to me. XXXX XXXX  is dragging their feet on the investigation. I have filed a police report, a US postal report and domestic collections report at fifth third bank. The check was fraudulently cashed at XXXX XXXX and it's not my fault and I feel that I should be reimbursed immediately. Fifth third bank is telling me it could take 180 days and this is a ridiculous amount of time to withhold my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion credit reporting agency has been reporting inaccurate and misleading information on my report for several months now. Block the information contained within the Identity Theft report & within this complaint in accordance with 15 USC 1681c-2, contained here is 1. Appropriate proof, my drivers license 2. The Identity Theft report 3. Information that shall be removed by law 4. My statement informing you this I the natural person/consumer have no info relating to transactions. In accordance to the Fair Credit Reporting Act 15 USC 1681 ( 3 ) TransUnion has a vital role in assembling and evaluating consumer credit, with a need to ensure they're exercising their grave responsibilities with fairness, impartiality, and respect for consumers PRIVACY 15 USC 1681 ( 4 ). TransUnion has not respected my rights, they were unfair, partial, and furnished these accounts without my consent. Pursuant to 15 USC 1681b ( 2 ) the CRA may only furnish in accordance with written instructions of the consumer, in which I did not give authorization nor consent. Remove these inaccurate accounts IMMEDIATELY and DO NOT open a dispute. This is Aggravated Identity Theft per 18 USC 1028a, you're transferring and utilizing my information with these 3rd party debt collectors without lawful authority or giving the chance to opt out per 15 USC 6802 ( b ) ( 1 ) Please provide me with the procedures that were taken to gather the most accurate information prior to reporting in accordance with the FCRA. ACCOUNT XXXX. XXXXXXXX XXXX  # XXXX INQUIRY XXXX. XXXX XX/XX/22 EMPLOYER XXXX. XXXX XXXX XXXX XXXX ADDRESS XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. Please provide me with the procedures that were taken to gather the most accurate information prior to reporting in accordance with the FCRA. Also in accordance to the IRS defines " Charge Offs '' as income and income should not be reported on a Consumer 's report, there was also no legal claim without validating the alleged debt, therefor no grounds to charge off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In early XXXX of XXXX to current, I sent individual FCRA Section 604 letters out to dispute and request written evidence of specific Unauthorized FRAUDULENT/iNACCURATE Accounts and Unauthorized FRAUDULENT Inquiries on the Credit report to EXPERIAN. I notice several companies that I do Not recognize nor authorized consenting to.The letter detailed the specific Unauthorized FRAUDULENT Inquiries and Unauthorized FRAUDULENT Accounts in question and was sent certified mail/return receipt, copies are attached and so are the credit bureau XXXX EXPERIAN. Below are the detailed Unauthorized FRAUDULENT/INACCURATE Accounts and Unauthorized FRAUDULENT Inquiries I asked to have investigated in early XXXX of XXXX to Current days date. Unauthorized FRAUDULENT Account 1. XXXX  XXXX 2. XXXX XXXX  XXXX 3. XXXX XXXX XXXX XXXX Unauthorized INQUIRE 1. XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify these credit inquires that pulled/ viewed my credit without my permission. Within 5 business days in compliance with FCRA. XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2022-12-19
Company: American Credit Acceptance, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I did Not authorize inquiries. I did Not give anyone permission to perform inquiries

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: SC
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report I have already disputed these items with the bureaus but they did not remove nor prove validation.

under sec. 602 " I have a right to privacy '' XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : 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 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 had written a dispute to the bureaus regarding their erroneous reporting on my credit file but until now have received no response and those erroneous report are still on my credit report. These accounts are still inaccurate, incorrect and misleading ; can not be verified nor validated : XXXX, XXXX and Transunion : XXXX XXXX XXXX  XXXX 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 2023-07-18
Company: EQUIFAX, INC.
State: IA
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:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing XXXX XXXX XXXX XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief