BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The car financing company XXXX is currently reporting as a closed account on with all three credit bureaus. They are also reporting as a judgement on equifax. I have contacted all XXXX credit bureaus because XXXX XXXX is currently garnishing my wages receiving roughly about XXXX per month since XX/XX/XXXX, but the company keeps reporting derogatory/late/no payment monthly affecting my credit score. After speaking with someone from each credit bureau and disputing the account with all XXXX bureaus there has been no change to the way this company is reporting on my credit reports.

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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2021-09-01
Company: Home Point Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I began contacting Home Point Financial to remove the PMI from our loan on XX/XX/2021. I received an email outlining what I needed to provide and an estimated timeline of 60 days for the process to be completed. I immediately sent the required information, receipts, pictures and money they requested for a reappraisal. They cashed my check and I waited for an appraiser to finally show up XX/XX/2021. The appraiser completed her appraisal the following week and submitted it to Home Point. I have called multiple times, sent emails, left messages and have yet to hear any kind of response on removing my PMI. I have paid XXXX and XXXX PMI which should have been removed already. I called again today and stayed on the phone for 36 minutes to be told they would escalate it and call me back. This Is absolutely unacceptable and is costing me money because they are slow to process their paperwork if they do it at all. Please help us!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have written and contacted Transunion so many times, and their most recent shenanigans involves them not removing items from my credit report, even after the collection agencies have notified them to remove such items. There are accounts in collections that the companies have stated should be removed but the credit reporting company is neglecting the requests. I am asking that the items be removed today! and an apology letter to follow.

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 2015-12-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have contacted Portfolio Recovery Associates over ten times. I have informed them that this is a direct result of Identity Theft, and I have faxed them Police Reports and emailed them, and have since faxed them everything twice. I have sent them letters, disputed with the reporting agencies, and since they have re-aged the debt to make it appear new, and have changed the account numbers. I AM OUTRAGED AT THIS!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Information reported by XXXX is contradictory. Transition credit report shows that this account was moved to collection with no history of being paid off. Then it shows the account was removed but it still is reflected as a collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently reviewed my Equifax Credit Report and viewed a Credit Inquire I do n't recall authorizing. The inquire was conducted by XXXX XXXX XXXX on XXXX XXXX, 2016. I have had previous unauthorized inquiries conducted by XXXX XXXX removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am filing this complaint because my requests have been ignored by TransUnion. As my requests to be provided with documents that their company has on file that was used to authenticate and verify these accounts has been ignored, these accounts should be deleted immediately, under Section 611 ( 5 ) ( A ) ( i ) of the FCRA - " they are required to promptly delete all information which can not be verified with accuracy ''. I have requested an investigation and re-investigation and XXXX request have been ignored.

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 2016-08-17
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
on XXXX/XXXX/2016 i applied for a loan modification and the lender took 2 months to gave me an answer my loan modification was declined due to insufficient income, i requested an appeal because i had a contributor willing to help with the mortgage, a week ago i got a call from my single point of contact on friday and he told me that my loan modification was declined and did not gave me a reason also my single point of contact has been changed 3 times, now i want to appeal the decision and have not been able to contact him after several calls please help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion has reinserted previous unverifiable negative accounts on my file. I have send out dispute letters showing negative accounts that have re-aged history, recent payments on accounts that have been close or sold and all I get in return as results are letters with verify statement from furnishers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I joined " XXXX XXXX, '' and have monitored my credit report frequently. I had ( XXXX ) open accounts in collection, which had a " high negative impact '' on my credit score. Both accounts were over ( 10 ) years old. I disputed both items with " Transunion '' and they investigated them one at a time. The XXXX investigation was completed on XXXX/XXXX/XXXX concerning XXXX XXXX XXXX XXXX & Transunion results were " NO LONGER ON FILE. Yet low and behold, the derogatory account is still on my report as open & in collection. The XXXX report was investigated by Transunion and the results were the same ; no longer on file. So far, the one was removed on or about XX/XX/XXXX. I wrote to Transunion in XX/XX/XXXX and after informing them of the results of their own investigation, I asked them to remove the first negative account. As yet, they have not done so. It 's no wonder consumers are having such a hard time keeping their head above water financially.

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 2019-05-28
Company: SUNTRUST BANKS, INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am an attorney in New York. On XX/XX/2019 my client 's email system was hacked and used to authorize the transfer of {$89000.00} into an account at SunTrust Bank. 
Within ten minutes of the wire being sent, we were able to detect the fraud and immediately had our financial institution reach out to SunTrust to report the fraud and place a hold on the account where the money was sent. 

Our financial institution followed ALL of SunTrust 's protocols inclusive of various versions of hold harmless agreements. We have been told that banks generally will have this rectified and the funds returned in a very short period of time. We know the funds were caught before being sent out and that SunTrust is holding the funds. 

It has been well over a month now. SunTrust not only has not yet returned the funds, but they continue to be non-responsive to both myself and our financial institution for weeks. We have calls in every single business day, emails as well, with no response and no courtesy of an update. 

We would like to know what our rights are here with regard to SunTrust and their failure to act professionally in handling this fraud that took place using one of their accounts. In the meantime, my client continues to be waiting for the return of his funds.

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 2015-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX and check my credit report monthly. I saw that I had an item sent to collections for a XXXX account that was opened on XXXX XXXX, 2015 it has been sent to collections in the amount of {$500.00}. I have a current XXXX phone account that I have had for over 10 years so there is no reason why this should be on my account. I contacted XXXX and they said my account is up to date. I suspect this could be identity theft and someone else has opened up an account using my information and I want to dispute this item on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: WELLS FARGO & COMPANY
State: AR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo thinks that they can deceive me because I am older. I have been trying to repair my house using insurance proceeds that they have been holding. They have reluctantly released 38 % of the funds. They sent an inspector by wed XXXX XXXX. I have a very clear report stating the project is 75 % complete signed by their inspector and my contractor. Wells Fargo is now saying that they will only release 61 % of the funds. Remember, to date they have only released 38 % and we are at the very least 70 % complete. I am tired of floating money to keep the project going. We were on the phone for XXXX hour and XXXX minutes today. We have almost XXXX hours of phone calls recorded as well as over XXXX pages that have been faxed ( they do not have email yet. Do you believe that? ). We feel like we should be contacting our attorney to recover unnecessary time spent and aggravation this has caused. I also expect interest paid to me commensurate with the interest that Wells Fargo has charged me during this process. The insurance company and the contractor have performed flawlessly and Wells Fargo has committed fraud at every turn.

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 2022-08-25
Company: Experian Information Solutions Inc.
State: MD
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 have been a victim of identity theft and the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by me nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies deleted the disputed inquiries completely from my Credit report and stop their erroneous reporting..I previously requested proof of verification bearing my signature to support the Credit Bureaus claims that the dispute inquiries belong under my name. Once again, I need the following inquiries deleted as soon as possible XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on 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 2016-08-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
My partner and I applied for a HELOC with Wells Fargo Bank. We have a mortgage with another bank, but they do n't offer these types of loans and we 've been banking with WFB for 40 years ( me ) and 25 years ( him ). At the time of the application, I told WFB there was a small medical bill ( just over {$300.00} ) that I refused to pay because the company would not tell me what it was for, and it was sent to collections. The bank said that should n't be an issue. My credit score came back at XXXX, which was a surprise to me, and they refused the loan on that basis alone. My partner 's score is XXXX. 

Turns out I had another bill in collections for {$130.00} that I did n't know about, and I guess that reduced my score. My score when we refinanced a year ago was in the XXXX. 

We asked Wells to review this decision and take into account our years with the bank and the fact that my credit report shows no negative activity with any of my credit cards or other payments. I have some high balances, which they knew from the start, and we were trying to get the loan to consolidate those and reduce our payments. They still refused and said it was only because my score was so low. 

Since then, my score has gone back up to XXXX according to XXXX. I have tried calling the underwriter contact at the bank multiple times but she has refused to respond to my requests to understand why this loan ca n't be approved when we clearly have the credit, not to mention the loan is guaranteed by the equity in our home. We 're asking for a loan that equals about one-third of the amount of equity we have.

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 2016-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are XXXX medical collection accounts on my credit reports that are not mine. 
I have contacted all collection agencies and they were unable to validate the accounts to my name, last name or even the amount showing on all XXXX credit bureaus report collection agencies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Debt Buyer ) 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 2016-06-06
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our mortgage company was purchased by Wells Fargo. We defaulted on the loan and the bank did not record it properly with the XXXX, taking over XXXX years, and that has prevented us from getting a current FHA loan.

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 2015-04-15
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX was denied a modification on his home equity line of credit because Chase stated the loan is at an affordable payment. They have not offered any other alternative other than a short sale. XXXX XXXX has been paying his XXXX mortgage on time which also is with Chase. There are IRS liens on the property. XXXX XXXX is on a payment plan with the IRS. The house is underwater. XXXX XXXX was simply asking to capitalize the arrearages. This is an interest only line of credit currently. XXXX XXXX is in residential construction and had suffered through the recession which affected the housing industry since XX/XX/XXXX The past year in XX/XX/XXXX was the XXXX year which was profitable

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I attempted to acquire a loan with a lending company. However, they were n't able to lend me as much due to my credit history. This was the XXXX time I had ever applied for a loan. I had never applied for a loan and to my astonishment, the lender revealed to me that I had applied for a credit card with XXXX in 2010 and made a payment substantially late. Four months approximately. I did n't even recognize the company nor I had no idea where you can apply for a credit card. I was in college at the time and I had no need for a credit card since I had scholarships to aid my expenses. So I am baffled as to how that ended up in my credit history. I called to both, the Credit Bureau ( TransUnion ) & XXXX, and they had told me that it will take about a month to get back with me to verify this information and also send me a letter via mail. I never gotten a written statement in regards of the issue. I called again to the credit company ( XXXX ) and again they directed me to the fraud department and stated they do n't have any information or record ov me getting a card with them and will send me a written letter via mail about the predicament. Again, after a year, I have n't received anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Today I have contacted legal advise in obtaining an attorney to sue the credit reporting companies for not removing an account that was opened up fraudulantly ( XXXX ). I obtained very important information from legal advise in regards to how many times I have disputed this information and requested to show me proof when and how I supposably opened up this account in 2012. I have allowed more than enough time to have this issue addressed. I advised the attorney that I spoke with ( XXXX ) from the fraud investigation department at XXXX and was told that this account will be removed. I still have not received anything in writing via mail that this fraudulant account will be removed from my credit reports. I have intent to sue if this is not resolved. Having this fraudulant account reporting on my credit reports is affecting my credit in a negative way.

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 2016-03-09
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Rewards

Complaint:
On XXXX XXXX I contacted your service center to learn how I might re-instate my expired miles. I was told that I could pay {$500.00} OR I could apply for a Chase XXXX Mileage credit card and if I was approved for a credit card I could enroll in the Knowledge Plus Challenge and would be credited with {$500.00} that would be applied to reinstate my miles. Since XXXX " noticed '' me at the beginning of that call that it would be recorded, I also recorded the call. I have a copy of that call that I can forward at your request. I applied and received immediate approval for the credit card. When I attempted to enroll today in the program I was told that there was no {$500.00} credit I would receive but I would be charged {$500.00} to reinstate the miles. Why would I go through the hassle of applying for the credit card if I was not going to receive the {$500.00} credit? This appears to be a classic bait and switch by XXXX XXXX and Chase. Noted below is the email response from XXXX XXXX : Dear XXXX XXXX, We 're sorry for the confusion and the inconvenience this may have caused you. 

There are few options to reinstating your expired miles : Buy back - You can buy back your miles. The cost will be depending on the amount of miles that expired. For your XXXX expired miles, this will cost {$500.00} to reinstate it back. 
Register and fly - Register for {$500.00} and then complete qualifying round-trip travel on XXXX or XXXX XXXX. You must register within 18 months of your mileage expiration date, and complete travel within 90 days of registration. The registration fee is non-refundable and a maximum of XXXX miles can be reinstated with this option. 
Register and use a MileagePlus ( R ) Visa credit card - Register for {$500.00} and then use a new or existing MileagePlus Visa credit card to make a purchase. You must register within 18 months of your mileage expiration date, and use your card within 90 days of registration. The registration fee is non-refundable and a maximum of XXXX miles may be reinstated with this option. 
The agent might have not explain further the terms and conditions for this offer. 

Since we are unable to waived the registration fee via the MileagePlus Service Center, please contact our Customer care at XXXX. 

Whenever possible, we try to accommodate our customers ' requests and are sorry that we can not do so in this instance. We value your business and look forward to serving you in the future. 


Regards, XXXX XXXX XXXX MileagePlus ( R ) Service Center

Company response to consumer: Closed with explanation