BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-11
Company: Experian Information Solutions Inc.
State: GA
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:
THIS IS NOT A DUPLICATE COMPLAINT THIS IS A NEW COMPLAINT Experian has not responded to my latest dispute in which they requested for me to send in proof of my identity which I sent a second time as my identity documents were provided with my dispute. Experian is disregarding federal laws when they fail to investigate items on my credit report that are inaccurate. In addition, Experian has not provided me with any updates on my disputes this is an ongoing issue and each time this happens I will file a new complaint for each separate incident.

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 2022-02-24
Company: EQUIFAX, 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 the following to all credit bureaus A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers of that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Transunion Interactive sold - for {$1.00} both mine and my husbands consumer credit information. The entity who stole our information can answer questions in the TransUnion screeing process that can be found online by anyone! 

What TransUnion Interactive is supposed to provide is being a gatekeeper using the credit card as the final gate. They sold my information to a stranger that did not have my credit card or name on it. This should raise RED FLAGS. But they are so greedy they sell privacy for {$1.00}. Then deal with the consequences later - They probably wanted to sell me something. This company should be investigated for FRAUD - since they Do Not protect your privacy. They sell it for {$1.00} to anyone with a credit card. 

This is an incompetent bunch who create huge problems for consumers. THEY are the problem. They are not doing their job.

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 2016-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I did n't give authorization to apply for a credit card with 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 2018-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
There are many mistakes appear in my report without my understanding.

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 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Contacted XXXX, Transunion, and XXXX regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

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 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 file a dispute on XX/XX/2020 and XX/XX/2020 with transunion they failed to reply

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 2018-07-16
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear Sir or Madam, We have a conventional thirty year fixed mortgage loan with Navy Federal Credit Union that closed approximately two years ago. We recently received a New Mortgage payment notice letter from Navy Federal stating that our monthly payment is going up thirteen percent effective immediately. This is the second mortgage increase that we received in last than two years. Our original payment we started out including taxes and escrow was {$2400.00} per month. And it has ballooned to over {$3100.00} per month on a thirty year conventional loan. In less than two years our monthly payment has risen a whooping thirty percent. This is predatory lending at its worse. This has placed a tremendous financial hardship on us, which places us in risk of making the new payment. Our closing documents stated that our payments should not increase more than the original monthly payment. We feel at a minimum this is a violation of Truth in Lending Act and RESPA and unethical mortgage practices that Navy Federal has exercised. When we were in the process of closing the loan the Navy Federal Loan broker XXXX XXXX stated that after the loan closes we are eligible for a one time no obligation interest rate modification if the rates drop since our interest rate was higher than the market at the time. The rates did drop and we contacted Navy Federal customer services numerous times to get a mortgage rate modification and the Customer Service department stated that we could not get the rate interest modification we were misled. The broker mislead us to sale the loan. Doing the closing process XXXX reiterated that we would have the rate modification option, since our rate was significantly higher that market rates. 

Overall this is a huge monthly increase of thirty percent since the close of the loan, in less than two years. This has placed a huge financial hardship and burden on us We need your assistance to bring our payment manageable and bring Navy Federal into regulatory compliance from numerous and egregious predatory lending practices on this loan. Thanks for your attention in this matter. 

Sincerely, XXXX XXXX and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I receive a settlement payment from workman comp compensation I sued to protect myself and I received back pay for social security comp check as well I opened my accounts with those checks I believe I was charge rates higher and monies was missing and I never bothered because I was helping my families XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I WAS HELPING MY FAMILIES AND NOT FULLY AWARES BUT THEN I RECEIVED QUOTE UNQOTE AND DEPOSITED INTO MY ACCOUNT AND I WAS FINED BECAUSE THEY SAID IT WAS BAD THEY TOOK MONIES FROM MY ACCOUNT AND CANCELLED NY ACOOUNT AND DID NOT REFUND MY MINIES A D THEY FINED ME CHARGES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SO NOW YOU SAY I CAN RECEIVE MY MONIES BACK WE THANK YOU BUT I DONT KNOW WHAT OR IF I HAVE A LEGITIMATE COMPLAINT OR NOT SIR/ MAM???. MY ACCOUNT WAS OPENED XXXX AROUND THE SUMMER TIME I BELIEVED AND CLOSED AROUND XXXX OR XXXX AND MY XXXX XXXX, MY DL # XXXX, XXXX XXXX AT THAT TIME I WAS LIVING AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX THATS ALL I REMEMBER XXXX XXXX XXXX XXXX XX/XX/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 2020-08-11
Company: HILLTOP HOLDINGS, INC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Someone buying my home used prime lending for their mortgage. The closing has been delayed multiple times costing me several thousands of dollars. Their reason for the delays - we dont have enough people and I dont have time. The contract was signed XX/XX/XXXX with a set closing of XX/XX/XXXX. A second closing was set for XX/XX/XXXX and the lending officer still has not sent the paperwork to the attorney. When my realtor called to inquire the lending office hung up on him. The unprofessionalism, lack of empathy, disregard for client impacts and overall rudeness has been staggering. I work in the financial services industry and have been shocked and appalled by his behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: NAVY FEDERAL CREDIT UNION
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
After reading the article that I attached the hyperlink below, I 've realized of the many illegal actions that Navy federal Credit Union took against me during my time in the XXXX XXXX. Prior to me closing my accounts out of pure frustration with them, I received several letters threatening to contact commanding officers. This threat alone would have put in a situation where I would n't have been able to lead the men and women below me and likely end my career. I also was locked out of an auto loan, causing it to go over the 30 day late mark, even though I had called and paid it. 

Hyperlink below : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
In XXXX, 2016 XXXX inquiries were removed from my credit report and thereafter loved back on my file without written notification.

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 2016-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On the credit report of Transunion. IT shows the accounts of XXXX # XXXX and XXXX # XXXX of showing on my credit report. These accounts are not mine and have been reported to the police as fraud. I have also attached the police report to the dispute. Please remove the accounts from my Transunion 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 2016-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX XXXX 2016, i Checked my credit on credit karma and had a total of XXXX hard inquires removed from my report. I checked my account on XXXX and all XXXX hard inquires were placed back onto my account without sending me a reinsertion letter as required by fcra section 611. I have been calling transunion ever since and received no help. no one will transfer me, no one will connect me to an XXXX representative or the fraud department. multiple agents have been belligerent, some have told me that they know what happened but its basically too bad and i should simply file a complaint because they will not 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 non-monetary relief
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
Money was taking out my account due to scams & fraud

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 2015-04-11
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Your VerificationNow we just need to make sure that you are really you. These questions are based on information in your file, and only you should know the answers to them. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Your credit file indicates you may have a mortgage loan, opened in or around XXXX XXXX Who is the credit provider for this account? 
HOUSEHOLD FINANCEJPMORGAN XXXX MORTGAGE XXXX XXXX XXXX XXXX XXXX OF THE ABOVEWhat is the total monthly payment for the above-referenced account? 
{$1100.00} - {$1200.00} {$1200.00} - {$1300.00} {$1300.00} - {$1400.00} {$1400.00} - $ XXXX OF THE XXXX was an Equifax questioannre that I may have a mortgage loan opened around XXXX XX/XX/2013, I do not recall taking a loan by any means around this time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/XXXX multiple transactions where made on my account withdrawing money from multiple consumers. I do not sell a products. Some one hacked my account and stole money from many people moved it into my account then immediately withdrew it. 
I have contacted PayPal about this and they know there is a problem with security but they are making me go through multiple layers of people to fix the problem. They have made no attempt to call me, i have asked for a supervisor

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX, FL XXXX XXXX, GA XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX, PA XXXX. 


XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX TransUnion, XXXX ( XXXX ), and XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/XXXX in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX, FL 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 2020-08-11
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
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:
Went to XXXX XXXX to open a checking account and my request was denied by XXXX XXXX do to Adverse Information listed on my Chex Systems Consumer Report : XXXX. I shouldnt have any adverse information on my consumer report. The following information listed on my Chex Systems Consumer Report is fraudulent and not my accounts : XXXX XXXX XXXX, XXXX   XXXXXXXX XXXX XXXXXXXX and XXXX XXXX  XXXX XXXX XXXX. I have never opened a checking account with the banks that are listed. I have a police report on file with Chex Systems for being a victim of identity theft.

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 2020-08-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have requested from XXXX and Wells Fargo to send me a physical validation original signature and they have failed to do so also every dispute I file they changed Dates and the amount ... .there is too many inconsistencies in reporting on my credit by Wells Fargo and XXXX  different amounts owe { NOT ACCURATE } reported Payment in 2015 { NOT ACCURATE to extend date i believe } Several different First reporting dates { NOT ACCURATE } close date { NOT ACCURATE } are all inaccurate ... on my credit report file I believe XXXX has played a big part reporting when they know that there's some inconsistencies and I personally believe that big Banks pay credit bureaus to continue to report negative items on one 's credit in spite of inaccurate info XXXX allows the creditors change dates, amounts and removal dates to fit wellsfargo 's narrative ... I believe they must follow the guidelines of Federal Credit Reporting Act and CFPB..

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 2016-02-01
Company: Go Capital Holdings, LLC
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I entered into a car loan with GoFinancial and was never provided with any information about how they processed payments. I made my first payment over the phone and was give the option to pay using my credit card for a nominal fee ( I think it was {$4.00} ) which I agreed to. After processing the payment I looked at my credit card statement and GoFinancial had submitted the payment through XXXX XXXX and my credit card company had processed the charge as a cash advance charging me a {$15.00} fee and daily interest on the amount of the charge. I would never have paid the car loan with my credit card had it been disclosed to be that they would process it through XXXX XXXX. I spoke with the manager at Go Financial who informed me that they do not have to disclose how they process payments and they will not refund the fees that were charged to my card.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Global Lending Services LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My credit was pulled so many times for different loan companies for a car loan with out my authorization, i was only advised my credit would be used for a specific credit loan company called XXXX XXXX XXXX, whom i currently have my car loan with now. I was not notified that they would misuse my personal information and have my credit pulled as many times as they did. Now i have all these hard inquiries of different car loan companies on my credit that are affecting my score and i need them removed so my score can go back up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
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:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form 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