BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-23
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX has an a collection entry on my account that should be immediately removed. I have no contract with XXXX XXXX and they never had the right or authority to even collect from me. I told them to provide me with proof of any documentation on behalf of who they were collecting for and the reason why. I also asked them to provide me with the documented Bill of Sale giving them the right to collect on the original creditors behalf.They never provided me with ANY documentation whatsoever. Then on top of that i didnt even know them. The original creditor was already paid to begin with so XXXX XXXX had started sending me {$0.00} balance letters. My confusion lays with why would they keep sending me {$0.00} balance letters and calling that " Verification ''. Sending me a {$0.00} balance letter is not verification at all. Who 's verifying what? Where is the certified and signed bill of sale like i asked for? Where is the agreement that allows you to collect on behalf of the original creditor? Literally that keep sending me this Non Verifiable {$0.00} balance letter and thats not what I asked for. I NEVER even paid XXXX XXXX a dime because I knew I didnt owe them! Thats why they changed the balance to {$0.00} because I never even owed them. I had spoken to someone there and told them that there must 've been a mistake. One person told me they would remove it off all three credit reports, which sounded good. Then the later on told me they would not remove it even though I NEVER owed them a dime. I will not tolerate being treated this way and my lawyer will be contacting XXXX XXXX. They will either provide me signed contractual agreements which include the bill of sale from my original creditor to them, and also including my original contract with the original creditor or they will IMMEDIATELY remove this from my report. If they do not then litigation will proceed forward. I will not tolerate constantly being sent these single balance letters when my debt was never even established or verified by your company. and documentation of the verification was never given to me. You all never even sent me any form of agreement.

Also I XXXX XXXX told me they would investigate and get back to me about this and this was OVER 30 days ago. Which means they have passed the timeframe necessary to produce proper documentation.

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 2017-10-22
Company: Reverse Mortgage Solutions, Inc.
State: MS
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
REVERSE MORTGAGE SOLUTIONS IN XXXX TEXAS, XXXX N.C, HAS ADVERTISED OUR HOME TO BE FORECLOSE ON XX/XX/XXXX, XXXX XXXX XXXX, XXXX, MS , XXXX AND XXXX XXXX// THET SAID WE DID NOT SEND CERYIFICANT OF OCCUPANCY LETTER, AND PROFF OF RESIDENCY BY WATER AND LIGHT BILLS/HAVE LIVED IN THI HOME SINCE XX/XX/XXXX/HAVE FAXED DOCS 6 TIMES, MAILED LETTER 2 TIMES/ DIFFERENT CASLLS SAY THEY DID NOT RECEIVE THEM, OR WRING FAXES, OR WRONG ADDRESSES/TIME IS UP/MUST HAVE PROOF FORECLUSYRE HAS BEEN CANCELED, STOPPED/XX/XX/XXXX/XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS ,XXXX//EVEN GOT ANOTHER LETTER FROM RMS ASKING FOR CERTF OF OCCUPANCY LETTER/GETTING XXXX XXXX AROUND AND I SUSPECT FRAUD/THANKS FOR INMMEDIATE HELP ON MONDAY/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are several items reporting on my credit report that does not belong to me. These items are reporting as a result of identity theft. The following items are not mine : XXXX XXXX XXXX - Opened XX/XX/2017 Incorrect Addresses : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2019-01-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX, I attempted to create an account with Equifax to allow me to freeze my credit. The creation seemed to go well, until the last screen where I received an error. Thereafter, whenever I tried to log into my account, I received an error stating " We are temporarily unable to complete this request. '' I am also unable to create a new account, as equifax indicates that an account already exists with my information.

I called equifax at XXXX who explained that there was an error creating my account, but that the matter had been elevated to the specialist department. I tried calling again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Every time I am told that there is a technical error on the equifax side, and the matter has been escalated. Each time I am told that I should receive a call or email, but I've never received any further contact from someone at equifax. I would simply like to create an account to allow me to freeze/thaw my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Experian Information Solutions 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've sent a few letters via certified mail asking to fix the errors on my credit reports. I also ask them to send me information on how they verified the inaccurate accounts as " verified '' when the accounts are not mine. Each time I got a generic letter stating that the information is accurate and that they refuse to fix it.

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 2022-08-13
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I had planned to pay off my lease to buy my car. The first week of XX/XX/2022, I called Hyundai Motor Finance to obtain information regarding lease pay off. I was told to send a cashier 's check by mail and to submit an odometer disclosure statement. The form had to be approved to be sent to me via email and would take up to four days to receive that email. I never received that email containing the form. After much searching, I was able to find an odometer disclosure statement form online. I printed it and faxed it to them XX/XX/2022. Also on XX/XX/2022, I sent a cashier 's check for the balance of my lease via registered mail. That check arrived on XX/XX/2022 and was cashed on XX/XX/2022. 

On XX/XX/2022, I called Hyundai Motor Finance to check on the processing of my paperwork. I talked to a young man named XXXX who told me the title was in the mail and I should receive it by the end of the week. The title never arrived. 

On XX/XX/2022, I called Hyundai Motor Finance to check on the title again. I talked to a woman named XXXX. She told me that the odometer disclosure statement form I had faxed was invalid because I had checked a box on the form that I wasn't supposed to check. i asked why I hadn't been informed of that issue. She apologized and told me she would expedite my paperwork. XXXX said she would ask for approval for another odometer disclosure statement form to be emailed to me and it would take four days to receive. I asked if I could fax another form to her. She said no because she couldn't expedite the process from a fax. I have not received the email with the form as of today, XX/XX/2022.

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 2022-05-02
Company: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent XXXX, XXXX and Experian letters in early XXXX  they were have said to arrive to the Bureaus on or around XXXX XXXX A few accounts were not mine and I requested for them to further investigate and within 30 days to try to resolve the issues. It has now been 48 days, and STILL NO response from XXXX or Experian and then XXXX sent me a letter on XX/XX/22 stating that " it doesn't appear that me or a properly authorized third party sent the letter '' I am at a loss as I am trying my hardest to get this resolved and with no help. Can someone please assist me? I feel like I am getting the run-around! I am not able to do many things with my credit being compromised like this. I Have been dealing with this since XXXX of last year, and I also reported to Identity theft to the FTC and have 3 separate reference numbers.

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 2017-10-22
Company: Experian Information Solutions Inc.
State: MO
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:
on XX/XX/XXXX, 2017 I faxed a dispute to XXXX 's regarding a XXXX 's account that 's reporting to my Experian and XXXX credit report in the amount of {$310.00}. I was told to allow 30-60 days to investigate, its been past 60 days and I have not received a response. I have attached the dispute with successful fax transmission.

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 2017-10-22
Company: EQUIFAX, INC.
State: MO
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:
on XX/XX/XXXX 2017 I faxed a dispute to XXXX XXXX regarding a XXXX XXXX  account that 's reporting to my XXXX and Equifax credit report in the amount of {$310.00}. I was told to allow 30-60 days to investigate, its been past 60 days and I have not received a response. I have attached the dispute with successful fax transmission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
XX/XX/XXXX-XX/XX/XXXX {$60000.00} Tried repayment plans, takes 25 % of my monthly income making it impossible to support my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
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: Account information incorrect

Complaint:
XXXX is still reflecting a balance on my credit report although the account was paid in full on XXXX XX/XX/2020. The balance should be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I just pulled my report and saw a lot of errors. I saw some inquiries in my account that are not allowed under FCRA guidelines. I have tried contacting the bureau for validation but they chose to ignore my demands.

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 2017-11-03
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Please read Equifax has some kinda of block on my credit file. 

I can sign in to equifax trustedID however my credit report does not display and I can not lock my credit file. when i call the customer service number I am told I do not have a credit file. 

Trusted ID worked for me only on 1 day XXXX/XXXX/2017 and one day only. 

After that equifax placed some kinda of block preventing my credit report from displaying. 

I can not lock my credit file thru trusted id. I get an error. 

See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
This complaint involves XXXX XXXX XXXX and Greentree, ( Ditech ).

We received a HAMP loan, when we requested a HARP loan!

This started with XXXX XXXX XXXX and attempting to complete a HARP loan. The problem was, they kept shift the servicing agents on us, transferring the paperwork, losing paperwork, resubmitting paperwork, losing that paperwork according to the next servicing agents, then finally contacting the " Office of the President '', Vice President, calling on a every other day check-n, he leaving or being transferred, paperwork lost, and then being transferred to Greentree as our servicing company.

We started the paperwork again after approximately 12 or 14 months, asked for a HARP loan with them, moving towards foreclosure from Greentree. Then finally with no to little time left on foreclosure, recieved paperwork from Greentree, special delivery, to sign for the loan.

Not understanding, no explanation was given what a HAMP loan was, but told we must sign these papers and get it back to them or foreclosure was going to happen, soon.

We signed the loan. Received the statement of additional costs added onto the loan because it was a HAMP loan for an addition balloon or additional fee of {$110000.00}, which was incorrect since we did only owe for the 14 months of non payment while trying to change the loan through XXXX and being stalled and stalled and stalled.

We believe we were conned by the bank, stalled by the bank and then given no other choice other than sign the paperwork and be penalized for something we DID NOT ask for.

We have not contacted an attorney asa of yet and wanted to share this with the governing body before we start a class action lawsuit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been trying to fix my credit. But nothing seems to be changing. I then realized that there are some conflicting inquiries on my credit report. These are inquiries that I never authorized. Some I dont even know about. Others, I was pre approved, but they showed as hard inquiries on my credit report. I have contacted them but nothing good came out of it. Trans Union is not giving me a good answer each time I speak with a representative. They keep telling me they will look into it. XXXX removed the few I complained of long ago. 
The following were not authorized by me : XXXX XXXX XXXX ; XXXX ; XXXX XXXX, and XXXX offered me and my application was approved, but it ended up showing as a hard inquiry. XXXX XXXX, pre approved me, I accepted and was approved, but yet it showed as a hard inquiry. XXXX XXXX also pre approved me, but it showed on my credit as a hard inquiry.

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 2022-05-02
Company: EdFinancial Services
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:
I had a loans transfer to another company ED Financial Services. They kept old info on my report. I called them in XX/XX/2022 to rectify. Nothing was done. I did not have late payments to this loan. Only because of covid 19 and transfer of this account did these payments stop. account # XXXX amounts {$1800.00} and {$1000.00} In accordance with the fair credit Reporting act convergent account # XXXX, has violated my rights. 15 USC 1681 Section 2 : States I have the right to privacy. 

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: EQUIFAX, INC.
State: CO
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 fraudulently opened 4 XXXX XXXX credit cards in my name that I just recently found out about and have been in contact with XXXX XXXX to dispute it, to have the fraudulent credit accounts removed from my credit and they refuse to remove the fraudulent accounts and are holding me liable for the balances on them when I never opened the accounts to begin with. I am not liable for opening the accounts or the charges associated with them and need the 4 accounts all removed within the next 15 days. XXXX XXXX is claiming they completed their investigation and found no fraudulent activity when there was in fact fraud perpetrated in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I NOTICED INQUIRIES ON MY CONSUMER REPORT THAT I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We purchased our primary residence at XXXX XXXX XXXX XXXX,  XXXX XXXX, MA XXXX for {$470000.00} in XX/XX/XXXX through a primary mortgage loan and second provided by Well Fargo. Even with the sharp decline in property values in XXXX, in the intervening 10-year period the property has never appraised for more that {$350000.00} through at least 3 other independent appraisers. Consequently, we can not refinance the house through any alternative lender ( even through the VA ) since, after making payments for over 13 years, the outstanding balance is {$370000.00} and at an exorbitant interest rate of 6.875 %. We have contacted Wells Fargo two ( 2 ) times requesting a refinance ( combining both the {$300000.00} primary and {$71000.00} second into a single 15-year mortgage or simply refinancing the first at a lower rate ) but, they are unwilling to make any changes or amendments. We are of the belief that Wells Fargo artificially inflated the appraisal in XXXX and now, through interest rates that are double the current rate and due to a fraudulent appraisal, they are unwilling to provided us with any recourse or alternative due to their deceptive lending practices. Additionally, these practices and timelines are perfectly consistent with the issues surrounding a {$2.00} XXXX fine wherein Wells Fargo artificially inflated applicant 's incomes ( they must have inflated ours to qualify for the fraudulently inflated appraisal amount ) and XXXX XXXX fine from you and the Office of the Comptroller of the Currency ( wherein Wells Fargo inflated the appraisal in order to collect additional fees based upon the higher property value ). I hereby request the assistance of the CFPB in helping us resolve this issue with Wells Fargo.

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 2019-01-14
Company: NAVY FEDERAL CREDIT UNION
State: SC
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:
XXXX XXXX XXXX spoke with XXXX MSL # XXXX on XX/XX/2018 and he stated Navy Federal Credit Union would remove the credit hard inquiry from my XXXX, XXXX, and XXXX  Credit Report since it is not reporting in Navy Federal Credit Union System. 
XXXX XXXX XXXX did not authorize Navy Federal Credit Union to make any Hard inquiry and view his credit report. It is your responsibility to ensure that creditors demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing a consumers credit report. Demonstrate that the hard inquiry for Navy Federal Credit Union dated XX/XX/2018 met this requirement, pursuant to the Act. 
Please delete Navy Federal Credit Union hard inquiry from my XXXX, XXXX, and XXXX  credit report immediately that Navy Federal Credit Union maintain under XXXX XXXX social security number without my permission. XXXX XXXX would like confirmation letter that Navy Federal Credit Union has removed and deleted this hard inquiry with XXXX, XXXX, and XXXX credit agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation