BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion has once again sent me a letter stating that 2 items were verified as accurate. If you look atXX/XX/XXXXI just submitted a complaint and they responded they will look into it. TodayXX/XX/XXXXI received a letter back stating these accounts were verified. They sent me a letter and stated they verified the information through the courts which is not true. I sent a letter from the courts certified onXX/XX/XXXXand it stated they do not verify this type of information with the credit bureau to transunion. I called today and was told they received my document, but they have not removed these items from my report and then got disconnected after holding for 30 minutes and being out on hold. They not only have violated my FCRA they have also lied on the courts as well. The 2 items are Chapter XXXX bankruptcy XXXX and Chapter XXXX. How can they not remove these items which were confirmed not verified through the source. I have attached the documents below.

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 2021-07-12
Company: GUARANTEED RATE INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was unaware that my loan was sold to a new servicer. Therefore I made my XX/XX/21 mortgage payment to guaranteed rate on XX/XX/21. They were supposed to transfer this payment to my new servicer, but this never happened. Ive called multiple times and no one has been able to tell me if or when my payment will be sent to my new services, or if I would get a refund. I was therefore forced to make another payment to my new services so I wouldnt be sent to collections. I have yet to make me XXXX payment because I need guaranteed rate to refund me or transfer the money to my new servicer. If they do not do this, I will be sent to collections as I am unable to make another double mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Portfolio Recovery has made many attempts to collect a debt originally granted from XXXX XXXX Bank. They are reporting this collection to my XXXX credit bureau reports. After many attempts on heir part I finally agreed to pay {$25.00} a month and they are direct drafting payments from my bank account. However, CFPB ADMINISTRATIVE PROCEEDINGFile No. XXXX has now come to my attention and I believe that I qualify for protection/relief under this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Im a Consumer that was impacted by COVID. Where forth, In XX/XX/2021, I applied for a 2 month COVID extension with Nissan. This would make my next payment due on XX/XX/2021. Nissan stated, that would Bring my account up-to-date and then the next payment would be due on XX/XX/2021. To my shock a noticed a vicious late payment filed by Nissan for XX/XX/2021 regardless of whether I filed for COVID. This late status and late payment should be promptly removed ;

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This company XXXX sent me multiple emails asking me to verify my banking. Then they sent me two cards by XXXX. 

They deducted {$500.00} from my business checking without my signature or verbal authorization. 

I have called the customer service number multiple times and they tell me they can not find any information. 

I found another office to call, when I called today I was told that if they took the {$500.00} it would be refunded back the same way it was taken. The representative hung up on me.

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 2016-07-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio RC is reporting me as a chargeoff to the XXXX major bureaus. This was not a chargeoff, we entered into a settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have received multiple letters from Dovenmuehle Mortgage demanding additional monthly payments of {$470.00} above my regular mortgage payment. The latest letter dated XXXX XXXX 2016 is hostile in tone with " COLLECT A DEBT '' and " BANKRUPTCY " repeated in the first paragraph. 

The extra payment apparently is related to a mistaken belief that we have no flood insurance, despite the fact that we have provided a copy of our flood insurance declaration showing effective coverage paid through XX/XX/2016 and called Dovenmuehle on XX/XX/2016 and XX/XX/2016 ( spoke to XXXX ). 

Dovemueller has acknowledged by letter and during telephone calls that we have flood insurance in effect but they continue to demand extra escrow payment. Can you assist in stopping this harassment?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-01
Company: Credit Karma, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On or around XXXX to XXXX I saw a lot of pre approval from credit karma telling me I have a excellent chance of getting approved for the XXXX XXXXXXXX XXXX card so I applied and got denied. I was marketed for months from credit karma I felt very deceived. THIS WAS A LIE. I was noxious for weeks I had migraines and I became very anti social. My XXXX  has went from XXXX XXXX. I have not checked my credit report as frequently as I should. I have been denied also for XXXX and also for personal loans. SO I felt betrayed by credit karma. This company has destroyed my credit and I feel victimized by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to increase my existing HELOC with PNC bank in XXXX. I currently owe them {$30000.00} on the existing account and I sought to raise it to {$300000.00} in order to purchase a new home and sell my current home. They appraised my home at {$680000.00}. I have a balance on my mortgage of {$52000.00}, thus I have a good amount of equity. I also have an investment account worth approximately {$650000.00}. I currently have {$25000.00} in my bank account with PNC which I have had since 1973. My credit rating is XXXX. I retired as an attorney in XXXX and am receiving social security. My husband is still working however because his name is not on the deed, I did not put his name on the application. 
Today, XX/XX/XXXX, I was notified that my application has been denied due to insufficient income and " excessive obligations in relation to income. '' Because my assets are well in excess of the financial obligation I sought, I believe this is discrimination due to age and related employment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Someone got my Debit card information and started purchasing items with my card, the bank caught it and cancelled my card. I recently received bills from experian that I was receiving a service that I did n't authorize, I tried to order my annual credit report but it was denied saying I already received a free report. I need to find out what I have to do to find out who 's looking into my information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Paid in full and account was closed in XXXX. This account is 7 years old and must been removed.

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 2021-07-12
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened an account with TD Bank XX/XX/XXXX. I was supposed to receive a {$300.00} checking account promo after deposit requirements. Deposit of {$2500.00} within 60 days of account opening and promo will be deposited to my account. I have met the requirements as confirmed by many representatives. One XX/XX/XXXX, I spoke with rep name XXXX who spoke with their manager and confirmed again the criteria was met and they submitted an inquiry with the " promo team '' I was told, it will be reviewed and deposited on my account in a week. Called again on XX/XX/XXXX and spoke with rep name XXXX who stated account was noted as me not meeting the requirements asked to speak with a manager and talked to XXXX who also reiterated the same but could not provide the terms and condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
now I understand why the FCRA was made because these companies are full of abuse and only want to make money off of inaccurate information! I disputed twice with all XXXX bureaus and I had a few deletions but then they were reinserted on my file and I was never notified and they have to do it within 5 business days of reinsertion. Are they willing to sign an affidavit swearing under oath they sent me something? I get all of my mail and I received all the mail from them except for that. they did n't send me anything and by law they must remove it. not only that, but they did n't send me the procedure they used to verify these items and seeing my name on a screen does not qualify as verification. I asked for the documentation and they did n't provide it. they have a job to make certain that the information on my report is correct and not only that, they have to make sure that the info they receive from the creditors is correct and they did n't. I do n't know what this bankruyptcy is either and the only response is that it stays on my file XXXX10 years. did I ask how long it stays on? No I did n't. I have already complained to the XXXX for my state and I will make a press release. they are treating me unfairly and are breaking the law! 

Experian reinsertion : 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 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Hello! a family member of mine opened accounts in my name and I have a bunch of fraudulent inquiries on my credit report that I didn't authorize. I've attached my Identity theft report, and proof of my ID.

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 2021-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company XXXX XXXX XXXX acquired a possible debt older than 8 years of age. Resurrected the file on XX/XX/2018 bringing back to life an expired account. 

This record should be extirpated from file due to status of limitation on collectible debts and legal terms showing up on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: DISCOVER BANK
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/XXXX Discover contacted my mother about an owed debt. They are trying to reach me. They gave her the last 4 of my social and the amount owed. He said the last charge was XX/XX/XXXX at XXXX and it was opened in XXXX. He told her that it had to be paid by XX/XX/XXXX or its going to legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: U.S. BANCORP
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
US Bank Home Mortgage is attempting to foreclose on my home for payments that I 've already made to them and have sent them proof that the payments have been made. I 've been battling this for 5 months and all they can say is " we 're still researching the 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 2021-07-13
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Account opened fraudulent in my name company never fixed problem and pay balance but company but the company continues to report delinquency in the account that was paid with the attempt to remove it and it continues to affect my credit score because they do not stop reporting violating my rights even more

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 2021-07-12
Company: Experian Information Solutions Inc.
State: NV
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:
EXPERIAN CREDIT AGENCY HAS BEEN REPORTING INACCURATE INFORMATION FOR SEVERAL YEARS EVEN AFTER I HAVE FILED POLICE REPORTS AND REORTS WITH THE FTC THEY HAVE YET TO FIX IT. I WANT TO SUE THEM AND HAVE THE FILES REMOVED. XXXXXXXX  for {$5400.00} XXXX XXXX XXXX for {$15000.00} and XXXX XXXX XXXXXXXX for {$0.00}

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 2016-09-22
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Comerica Bank - XXXX XXXX XXXX, California issued me a credit card for a limit of up to XXXX without my permission. This has been going on for over a year now. I go into their bank and ask for them to cancel the card they say ok but never actually do it. I call the number on the statement and tell them what has happened and the operator puts me on hold and never comes back. I never asked for this card and have tried to get them to cancel it on four separate occasions. I am being forced to have an open account. I quit banking with them long ago because of their hard sales programs. My husband still banks there and my name is on his account, but that should not mean they have the right to force me to have a credit card with them. Help!! My cell it 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 2021-07-13
Company: Experian Information Solutions 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:
This complaint is regarding consumer reporting agencies. 
The problem i am having is consumer reporting agencies violating the rights that congress put forth to protect me. Pursuant 15 USC 1681b ( a ) ( d ) these agencies that assumed this role has to have a written consent from the consumer to furnish any information on the consumers report. 
I mailed a letter XX/XX/2021 and as of XX/XX/2021 i have not received a response. 
XXXX XXXX, Experian are the agencies in question. 
I am submitting this complaint as the consumer, a natural person.

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 2021-07-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Call Experian due to them sending me emails about my account. Have the free credit monitoring with them. Gave my member identification with them and the were asking for my name, social security number, and date of birth. They kept switching back and forth from membership department to other departments. Tried to resolve this with them but, no success.

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 2016-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
After looking for cars in last 6 months. I had a used car dealer run my credit XXXX times that I did not authorize. After seeing my credit report I was shocked to see how many inquiry 's were on my report. I did not authorize any inquiry 's. These inquiry 's should be removed from my report. I should not have to wait 2 years for these inquiry 's to be removed. They are negatively effecting my ability to use my credit. There should be more control of people who run citizens credit when it is so important. I have been told this happens a lot at car dealerships this is very upsetting.

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 2021-07-20
Company: Experian Information Solutions Inc.
State: FL
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:
Ive been a victim for identity theft. The following inquiries are a result of fraud. The inquiries as follows 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. Im never requested credit or did an application for these companies.

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 2021-07-21
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation