BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
On XXXX/XXXX/15 at approximated XXXX ET, I attempted to receive my free annual credit report from TransUnion via XXXX. After accessing TransUnion 's site and verifying my identity, I was presented with a copy of my current credit report. I immediately clicked on the link to save a copy of my report as a PDF and was redirected to a page notifying me of an error. When I attempted to return to my report via the back button, I was told that the information was no longer available, and I was redirected back to XXXX. I then tried to re-access my TransUnion through XXXX, but was told that I was inelgible to do so since I had already " accessed '' my annual report. 

Clearly my access and ability to view and confirm the validity of the report was extremely limited based on an error with TransUnion 's site or backend systems, and I feel that I have not truly been provided with a report in accordance with FCRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
Company: NAVY FEDERAL CREDIT UNION
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 was made aware that my identity was stolen towards the end of XXXX. I was made aware and contacted Navy Federal Credit union in XXXX that there were was a check/savings account opened and a credit card in my name with them. Since then, they closed the accounts but are still reporting the credit card as unpaid and it is financially hurting my credit and i am unable to be approved for a mortgage/ other credit because of this issue. I called in XXXX and they said they still are working on it. It should not take 4 months to get this resolved. ( I had a XXXX XXXX opened in my name because of this identity theft and that was already resolved ). In XXXX i sent them an email with my police report and ID 's so they can validate it was not me and still did not hear anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
TransUnion LLC XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU

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 2021-11-14
Company: Park Hill Holdings
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I like to order a full Core Logic report, I believe there is some misinformation on my credit report. 
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 2016-10-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
wells fargo had open another account with out me knowing, as a result i try 'd paying a credit card account and was navigated away to an account that did n't reconized and did n't pay my credit card .so i went to the bank and found extra charges ( fee 's ) and desputed them my son call the bank because i have a XXXX and XXXX veteran i always need help with my finances and balancing my encome i had electric turn off becuase i forgotton to pay even then the money was in my account i did n't know to use it and had them remove it just to fine out it was placed back again 4 months later i cancel the credit card that i place deposit on, and had owed $ XXXX ( - ) this had started around XXXX XXXX open credit card and closed about XXXX XXXX this account has been payed and becuase i had trouble navigating my account the credit card was not payed on time my son assist me with bills and set up bill pay account to better stay on track how ever the account now charged off as late a few months my account has a balance of XXXX on the frist i had ask for help with bank on mychecking acc. the report to the credit bureaus are unfair wells fargo posted as negitive infomation althought i made attemps withe bannk its still on my report and want it removed i think i can handle my account so long as the bank Well Fargo do not make changes thank you XXXX XXXX XXXX/XXXX/XXXX acc XXXX Wells Frago Bank my address XXXX FL XXXX XXXX and 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 2020-04-07
Company: ENCORE CAPITAL GROUP INC.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an offer from XXXX to settle my account by XX/XX/2019 for {$1400.00}. I called to accept XX/XX/2019 at XXXX XXXX. XXXX. XXXX XXXX refused to forward me to an Account Manager for final resolution despite my numerous requests and disconnected. 
4 months later, I received a letter from Midland Credit Management stating they had taken over collection of my previous account and were seeking payment of {$4600.00}. Since I do not owe this amount and agreed to an offer from XXXX in the amount of {$1400.00} denied by XXXX XXXX, XXXX customer rep. 
I did all I could to resolve and settle this account XX/XX/2019. The fact XXXX was unable and neglected to accept resolution is on them. I am fine if they want to erase all claimed debt on this account since it has been bungled by their agents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-07
Company: EQUIFAX, INC.
State: PA
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:
XXXX  XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Midwest Recovery Systems
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a medical debt listed on my credit reports as of XX/XX/XXXX.
I do believe that this medical bill was paid by my health insurance which I have had prior to this time.
As of XX/XX/XXXX, theres a 180-day waiting period before unpaid medical debts can show up on peoples credit reports.
This debt was placed on my credit report as of XX/XX/XXXX. I was never informed or sent a bill by the hospital of a pending medical bill no less in the amount of XXXX. 
I have never received any information or a verification of this debt. 
I am living on XXXX and if this debt was verified I would have made an arrangement to pay it. As a person living on XXXX my life depends on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XX/XX/2014 Wells Fargo bank offered {$20.00}. To open a credit card account attached to XXXX pay for the iPhone 6 's. As long as you used the card within the specified limited time, you would receive a credit to your account. I purchased some batteries with XXXX Pay within the time frame and looked for the credit. After a month or 2 checking my credit card statement and nothing being credited I contacted Wells Fargo to question what happened to the credit? They said XXXX was responsible for the payment and they were waiting for them before issuing the credit. Nothing was ever credited. Here is a link that describes the XXXX Fargo/XXXX promotion. 
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 monetary relief
Consumer complaint received 2020-02-28
Company: Experian Information Solutions Inc.
State: AR
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 was told by my ban lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report. They do not belong to me and I have never applied for those accounts reflecting on my 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 2021-11-12
Company: CAINE & WEINER COMPANY, INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was told by my ban lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report. They do not belong to me and I have never applied for those accounts reflecting on my 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 explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
So I sent a letter off XX/XX/2022 to remove personal information off my credit report that I no longer want on my credit report. According to Fair Credit reporting act 12 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, no financial institution is supposed to share my information with a third party. 

These are clear violations of my federally protected rights.

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 2020-04-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
unathorized use of my account wells fargo closed checking account and did no investigation. wells fargo does not make your account safe. after all the fraud and eligal use of persons info by fargo. i have filled suit against fargo along with 12 other account holders

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 2015-11-03
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I called Wells Fargo Mortgage back on XXXX of 2015 to ask for a payment plan because I was two months behind, I wanted to make two payments for the following two months, but the customer service representative advised me that they have a modification plan that I can qualify for which is meant to help in this kind of situation and mean while I ca n't make payments until I am approved. I have been in and out of XXXX modifications in the past 11 months. And the payment due kept increasing and growing to now XXXX. I feel I have been cheated and mislead to lose my home intentionally. Every time I try to complain they state that the person handling my account left the company and assigned his work load to another. I intend to keep my home and I want to take my case to court have this investigated. I was able and willing to make the payments before they grow so high and they intentionally waited until it was beyond my means to pay to take my home from me. I have been paying this home for the past 17 years with no problems. Until now. I intend to seek legal help and to contact the local bank and mortgage regulatory entity in my state and file a formal complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In 2010, I declared bankruptcy. My mortgage with Wells Fargo was withheld from the bankruptcy through a relief of stay ( the mortgage could n't be discharged anyway because it was a secured debt ). After the bankruptcy closed, I refinanced the mortgage with Wells Fargo ( using the Home Affordable Modification Program ). I have been making regular, on-time payments since I refinanced. I have my mortgage statements from Wells Fargo showing this. Also, the loan number on my refinanced mortgage is identical to the loan number of my mortgage before I declared bankruptcy. 
However, Wells Fargo is reporting to the credit reporting agencies that my mortgage was discharged in the bankruptcy, and they are not reporting the refinanced mortgage. That means my credit reports show a discharged mortgage and no current mortgage. 
When I discovered this a few years ago, I called Wells Fargo ( twice ) and asked them to correct this reporting error. They refused. 
Last year, I sent packets of printouts and information to the credit reporting agencies to see if they would resolve this, but they only put a note that I disputed the report of the discharge. 
Loan number information : Original mortgage loan number before bankruptcy : XXXX Original mortgage loan number being reported to credit reporting agencies as " discharged in bankruptcy '' : XXXX XXXX Current refinanced mortgage loan 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 2015-05-09
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XXXX XXXX my wife XXXX XXXX contacted Quickin Loans in an effort to obtain a mortgage for a {$40000.00} investment property. She spoke with XXXX XXXXXXXXXXXX. She informed him that we needed a pre approval letter and mortgage for a {$40000.00} HUD property that we planed to use for investment property. 

XXXX XXXX obtained my social security number from my wife and place a hard credit inquiry on my credit profile. He never spoke to me or obtained my permission to do so. 
I received a notification from my XXXX XXXX account that the inquiry was made by XXXX XXXX. 
XXXX XXXX got back to my cell phone number and stated that Quickin did not do loans for the amount we were requesting. 
Upon being told this I sent a text message to XXXX XXXX stating that he should have told my wife this from the beginning of her speaking with him and that he certainly should not have pulled the hard inquiry knowing that his company would not do this loan. 
He did not respond to my text message. 
Today I contacted Quickin Loans and spoke with XXXX XXXX ( XXXX ) of the consumer affairs department and shared concern and request for the removal of this hard inquiry. XXXX XXXX stated that he would have to conduct an investigation and would get back to me by Wednesday of next week. XXXX XXXX made me feel as though my wife and i were being investigated. This was unacceptable to me. His loan officers should operate with integrity and not hucksterism. I am asking that this inquiry be removed immediately and an apology be made on behalf of this incident. 

I can be reached by cell XXXX or email : XXXXXXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation