BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-22
Company: MOHELA
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed disputes in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I worked on my credit report. I had collection deleted from my TransUnion, XXXX And XXXX. I had XXXX collections that was removed and deleted. But the credit agencies reinserted them again.Pursuant to sub paragraph ( A ) the information may not be reinserted in the by the consumer reporting agency. Unless the person who furnishes the information is complete and accurate. Notice to Consumer, If and any information that has deleted from a consumer file pursuant to subpar graph A is reinserted in the file the consumer of reporting agency shall notify the consumer of the reinsertion in writing No later than ( 5 ) business day after the reverting or if authorized by the consumer for that purpose, By any other means available to the agency. I was n't provided in writing about the reinsertion..

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 2016-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have never lived in Utah. There is a Utah address listed on my credit 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 2017-09-08
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax indicated that my information may have been hacked in the recent data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. I am not comfortable with how the steps Equifax has taken to protect my information, or the steps Equifax has taken to notify myself and rectify this grievous error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX reported fraud to my report on chexsystems a few yrs ago. When I found out last summer XX/XX/XXXX I called XXXX and they stated that they never reported i had fraud and that my account I had with them was closed because it had a negative balance. I then contacted chexsystems to remove the fraud report and they said they would investigate. 30 days later i recieved a mailer stating they needed more time and I have not heard from them since. 
The night of XX/XX/XXXX I tried to open a debit account with XXXX XXXX and I was denied because of fraud with Chexsystems. So they obviously never investigated nor removed the fraud defamation.

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 2022-05-26
Company: EQUIFAX, INC.
State: IN
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:
In XX/XX/2022 I sent a letter to the credit bureau regarding XXXX medical accounts showing on my credit report. I asked the credit bureau Validate the debt, A Breakdown of fees including any collection costs and medical ALL medical charges how they were derived or came about so I know it was billed correctly under the guidelines of the XXXX and XXXX. 
I also requested to receive the HIPAA authorization signed by myself and to be provided with a copy of my signature with the provider of service to release my medical information to you. 

I asked for this information because the creditor could not verify or send me any info on the accounts. 

It is now XX/XX/2022 and i still have not received any correspondence pertaining to this dispute and the unverifiable accounts are still showing on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I have 1 unauthorized inquiry and 3 accounts with wrong dates of last activity and 1 account not mine and 1 account to validate and my name is wrong it needs to be deleted and 4 previous employers that are not correct and need to be deleted and 2 previous addresses that are not correct and need to be deleted

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 2022-10-17
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
paypal account number XXXX amount {$1000.00} i don't know this person or have a pay pal haven't for a long time because of the fraud being done to me when my identity was stolen and the same thing happened with XXXX XXXX i dont have this money so i don't understand why this is happening again got a letter in the mail about this and i want to dispute it thank you for your time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-19
Company: Experian Information Solutions 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:
I have sent notices informing the credit reporting agency that the information they have on file is the result from identity thief, but they have refused to block the information and do a thorough investigation even though I sent a police report, reported from FTC and sent other correspondence to get this issue resolved. They have failed to remedy the matter and have not provided me of any documents which would verify why they would have these negative marks on my report which is causing economic harm. I have sent and recorded all correspondence that was sent certified mail for my record.

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 2022-03-23
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or about XX/XX/XXXX I entered into an agreement with Chase bank to refinance my mortgage that I have with Chasebefore making any commitments it was understood that I had filed bankruptcy in XXXX and my mortgage had been dischargedIve never moved from the property and I have been paying my house note consistentlyChase had me enter into a non refundable deposit agreement for {$500.00} only to deny my loan because my mortgage was dischargedthey had me attempting to obtain a reaffirmation agreement for a loan that had been discharged for over seven yearsI feel Chase didnt need for me to commit my {$500.00} if they knew they were not going to allow me to refinance because of my mortgage being dischargedfurther more by allowing me to refinance that would have effectively reaffirmed the loanevery other part of the process was complete only for them to get to the end to deny my loan because of my bankruptcy information that I shared with them before they ran my creditI have refinanced with another lender so Chase is getting their moneyI want my {$500.00} back because Chase should have had everything they needed to know about me BEFORE they had me commit my moneythey already knew what their policy was but I had to commit my money to find out and thats not fair BIG BANK takes little bank every timeI DID NOT WITHDRAW MY APPLICATION and THE DOCUMENTS THEY WANTED ME TO PROVIDE WERE NOT ATTAINABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX XXXX Account # XXXX, 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

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 2016-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I BEGAN to prepare HELOC applications, with XXXX and XXXX, XXXX 2016. I have a XXXX HELOC and am in the pay off stage ; and I 've paid off my mortgage with XXXX. I have been a XXXX customer for 35 years. Both XXXX and XXXX pre-approved me for HELOCs. 
At the very same time that I began to apply for XXXX and XXXX HELOCs, to compare offers, I began to receive credit cards, and requests for additional aplication information, from several banks. I placed a fraud alert with all XXXX credit reporting agencies, filed an FTC report, and I 'm speaking to the banks and non-financial companies offering cars or requesting additional information directly with the non-financial companies alerting them that this was identity theft, all the cards and applications were fraudulent, and asked them remove any hard inquiries that appeared 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 2022-12-14
Company: Westlake Services, LLC
State: NC
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 XXXX account XXXX XXXX.has violated my rights 15 USC 1681 Section 602 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 account without my written instructions 15 USC 1666B A creditor my not treat a payment on a credit card account under a open end consumer credit plan as late for purpose

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 2018-03-22
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my house through XXXX XXXX and they have sent two wire transfers to Specialized Loan Servicing to pay off Account # XXXX first wire transfer Amount : {$130000.00} USD XXXX Reference : XXXX second -Wire trasnfer Amount $ XXXXUSD _ XXXX Reference : XXXX for Specialized Loan Servicing Account # XXXX Specialized Loan Servicing is holding to this moneys and haven't credited my mortgage account and are showing my account with two months non payment. 

Next Payment Due : XX/XX/XXXX Amount : {$1300.00} PRINCIPAL & INT PAYMENT : {$1100.00} CURRENT ESCROW PAYMENT : {$210.00} TOTAL MONTHLY PAYMENT : {$1300.00} AUTOMATIC PAYMENTS : LAST PAYMENT RECEIVED :XX/XX/XXXX ESCROW BALANCE : {$680.00} PRINCIPAL BALANCE : {$130000.00} 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 2015-07-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was a victim of ID theft, I followed legal procedure by filling an FTC Fraud affidavit and also filing a report with Law Enforcement Agency. I then forwarded these docs to all XXXX credit bureaus, indicating which accounts resulted from said ID theft and complying them to remove these accounts. XXXX & XXXX complied and removed, Experian did NOT! Even after repeated attempts to enlighten them as of their legal obligations. I am thereby forced to escalate this issue to your level, I hope you 'll be of assistance. In summary, please request Experian to remove and delete entirely from my report the following XXXX accounts, 1 ) XXXX Account # XXXX 2 ) XXXX Account # XXXX. This needs to legally be done withing " 4 '' days of receipt of dispute and attached paperwork proving it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I did not live at XXXX XXXX XXXX XXXX. XXXX XXXX, MD XXXX My name has never been XXXX XXXX XXXX XXXX is my middle name. 
I have not used 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 non-monetary relief
Consumer complaint received 2015-07-18
Company: ALLY FINANCIAL INC.
State: NJ
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Ally Bank uses criminal thuggish tactics in an attempt to collect payments because I fell behind in my car payments. Their tactics have caused me and my mother unreasonable harm. For example, last week on Monday XXXX XXXX, 2015, at XXXX XXXX, an agent of Ally Bank, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, repeatedly called my mother 's home. In Particular, one person who called, identified herself as XXXX XXXX, she pretended to be a law enforcement officer by stating that " she was with the investigation unit. '' She also disclosed that she was trying to reach me because they wanted me to turn in the car implying that it was a criminal violation to owe money on a car loan. That is bad, because it appears to be a violation of my consumer protection rights and a UDAAP. It is certainly an unfair practice that puts the bank and its depositors at risk because of possibility of claims and damage to their reputation - especially if XXXX XXXX takes interest. 
As I said, that was bad, but it was not as bad as it gets. Later that night or rather in the middle of the night at XXXX XXXX the next morning, another agent of Ally Bank, XXXX XXXX XXXX of XXXX XXXX, actually came to my mother 's house. He pounded on her door and woke her up in the middle of the night! 
Imagine this : she looks out the window and sees someone with a flashlight in her side yard and backyard - and then actually pounding on the door in the middle of the night. She opened the door to a man in a uniform with stripes on his pants who identified himself as from the " XXXX Investigative unit! '' saying he was looking for XXXX XXXX. She said " for what? '' he repeated the question and then said he was looking for XXXX 's XXXX XXXX. My mother told him she was calling the local police. She then came back to the front door with her phone in her hand and asked for his name and rank, He handed her a paper and said " You are served!!! '' She was scared to death, he appeared to be armed, but as she said she was calling the police he quickly left. He tore down the street out of town and went back to XXXX, XXXX where we believe that operation is located. My mother was confused and did not call the police. She then looked at the paper he gave her and then she read that It only said " Sorry I missed you. '' I have the paper for you to review. But their tactics made her believe it was a legal process. Again, what government agency allows people to pretend to be law enforcement and knock on peoples ' doors in the middle of the night? 
Finally, I tried to catch up on arrears because of this intimidation and then they told me that they would not take the back payments that I had to pay the balance in full plus additional charges for their thugs. My account with Ally is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX has a collection against ( {$580.00} ) me but I have never had a XXXX XXXX account. It states the account was opened in XX/XX/XXXX, closed in XX/XX/XXXX, and went to collections in XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have been in communication with american education services to try to get my payment reduced. Account XXXX for XXXX XXXX. This loan is now in danger of defaulting. The last few conversations I have had with representatives have told me I am eligible for forebearance on my higher loan that is XXXX but when I apply I am denied. I have also been given false minimum payment information repeatedly so that my payment amounts that I have been making are not sufficient. 

I would like to be granted a forebearance and be able to get caught up on this loan so I can go into repayment as soon as possible with a reasonable payment amount. 

The last representative I spoke with yesterday, XXXX XXXX, 2015 validated the issues I am having and has offered to investigate further. His ID is XXXX and his name is XXXX. He says I was given the wrong/incorrect amounts needed to pay to qualify for other plans. Wrong amounts and dates. 

Again.. I would like to get the outstanding payment/current due of {$1100.00} to be reset or in forebearane and the interest rate lowered so that I can make a reasonable payment arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage payment was returned for insufficient funds for XXXX, XXXX, and XXXX of 2022. Each time a revenue generating fee was assessed for insufficient funds in addition to a late charge. Due to three payment bouncing in succession, a bad check stop was placed on my mortgage. The bad check stop prevents me from making payments with autopay, via the automated telephone service, or online. The options provided at this time are XXXX XXXX, certified check, or wire, each of which come with a fee and time out of my day. This is an unfair practice. I was assessed fees for the bounced check and late payment, why am I also being penalized by blocking all standard payment options? 

The note I signed for this mortgage didn't not indicate a bad check stop would be placed on the account for 3 bounced payments in succession.

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 2022-05-26
Company: Experian Information Solutions Inc.
State: MD
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:
There are several derogatory accounts reporting on all three of the credit reports ( XXXX, XXXX, experian ). The derogatory accounts are all past the Maryland Statue of Limitations. 

The bureaus have been notified yet refuse to remove the accounts. The account are reporting at XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX  ), XXXX XXXX, and XXXX XXXX XXXX. 

thank you 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 non-monetary relief
Consumer complaint received 2015-11-18
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
their score has n't changed from XXXX for six months, competing credit companies scores are as follows and they change ever month XXXX XXXX, XXXX XXXXXXXX XXXXThey say they use XXXX XXXX but nothing ever changes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation