BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I bought a second home in XX/XX/2018 with the intent to use it as an investment property. We were told by XXXX XXXX ( Loan officer with USAA NMLS ID XXXX, Manager : XXXX XXXX XXXX | NMLS ID XXXX ) prior to closing that we would have to pay PMI until reaching an LTV ratio of 80 %. We are very close to that 80 % point now and when we inquired with XXXX, the company that services the loan, about the process of removing PMI they stated that due to this loan being for an investment property it would instead require an LTV of 65 % for PMI removal based on XXXX XXXX 's guidelines. However prior to closing, USAA provided us with documents stating that we were taking a CONVENTIONAL loan and gave us documentation implying that PMI would be paid off much sooner. When I called XXXX XXXX to discuss this she again claimed that the loan was a conventional loan and that the LTV ratio was 80 % for PMI, in stark contradiction to what we are being told by XXXX. We have asked XXXX/USAA for documentation to support PMI terms of the loan prior to closing however they have not provided any response. Based on the documents that we were provided ( see attached disclosure ) prior to closing, USAA states we are taking out a CONVENTIONAL LOAN with PMI LTV ratio of 80 %. WE CLOSED UNDER THOSE TERMS and now we are faced with a huge financial penalty of ( thousands of dollars ) in the form of previously undisclosed PMI. While we are understanding XXXX XXXX 's policies regarding PMI for investment property, we were told something very different by USAA. We are concerned that USAA 's actions constitute a misleading, predatory practice by the loan originator to funnel customers towards loans with higher PMI. It feels like a 'bait and switch ' scam where we are quoted on set of terms only to find out later that those terms are completely false.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX has closed out an account that was last reported on XX/XX/XXXX, with a close out date for XX/XX/XXXX. XXXX XXXX XXXX, I reviewed my latest consumer report and its reporting as a repossession. 
I am aware that any transactions between a consumer and a creditor should not be furnished on a consumer report. I also did not give XXXX XXXX nor XXXX, XXXX, or Experian consent to furnish this negative account on my report. I also was not given a chance to opt of reporting for this account. As of today XX/XX/XXXX, this is my written consent to opt of credit reporting for this account. Because I am aware that I have all rights to privacy, I will hold whoever knowingly and deceptively falsified negative, non-personal information liable to the extent of what federal law allows. A cease-and-desist letter is attached to this report as well as an FTC complaint. This account should be deleted Immediately.

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 2022-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
I have hard inquiries on my credit report that I do not recognize. I have disputed these with XXXX and the companies that reported them via mailed letters as well as through online disputes. The hard inquiries and dates in question are : XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 These were not authorized by me, and I do not know why they are on my report, nor do I know why they won't be taken off if they are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I 've received correspondence dated XXXX XXXX 2017 from XXXX XXXX ( Walmart M/C ) that had lowered my credit line from XXXX to XXXX based upon erroneous information about my credit profile. My credit profile is in good standing and the bank needs to readjust my account correctly. Pursuant to card act I was suppose to get 45 days in advance about the reduce credit line. This bank has overcharged me with over the limit fees, my limit is lower than my existing balance, and the monthly payments are twice as high. This bank can not charge me over limit fees, if my limit is lowered than my existing balance. XXXX XXXX has  violated my rights under FDCPA and they had impaired my credit score without allowing me the benefit of doubt to refute the deficiencies. I have never missed a payment, and I have sent more money on my account for 2 1/2 years. I refuse to pay on a card that has a reduced credit line, and wants me to pay {$110.00} per month on the reduced credit line balance when I was paying XXXX per month on the card.

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 2021-02-20
Company: Lending Club Corp
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I reached out to the company by email but have not reviewed any response ... 

I have a personal loan with the lending club, when covid happened I lost my job they worked with me but increased the amount that that i owe by about {$3000.00} attaching on extravagant interest, I still continue to pay.. I contacted them and asked them if I could defer a payment they stated yes, but it would cost {$900.00} to do so on only ( one {$380.00} payment ) so I said no I can not afford anymore internet, I will attempt to pay and they stated on a recorded line as long as i pay my regular monthly payment each month even if it is 30 days behind they would not be reporting late to credit bureaus due to job loss and covid ... however yesterday, XX/XX/2021 they reported to each bureau that i am 30 days late to all my credit bureaus even though I am paying as I said I would ... they lied! Destroying the credit I had worked so hard to build back up!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The loan was past due and XXXX XXXX XXXX applied for a loan modification with our Firm, a complete modification package was submitted to Ocwen Loan Servicing, LLC onXX/XX/XXXX, by XX/XX/XXXX we received a denial letter which stated the file was denied due to the account being more than 90 days past due ( Helping Homeowners Modification ) and option not approved by your bankruptcy attorney ( streamline Modification ).
We requested clarification as to the Bankruptcy portion of the denial letter as we represent XXXX XXXX XXXX and again a vague response as to consult with the bankruptcy attorney, After reviewing the denial letter with the bankruptcy attorney, XXXX XXXX XXXX XXXX. and she advised the denial is wrong and she has every right to apply we appealed their decision as we are the bankruptcy attorney of record and to please review the file on it 's financial merit.
On XX/XX/XXXX XX/XX/XXXX our Firm received another denial letter which had additional information but again stated XXXX XXXX XXXX was ineligible for the Ocwen streamline modification program due to an active bankruptcy.

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 2023-03-24
Company: EQUIFAX, INC.
State: PA
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened an account online during covid as a XXXX person. I attempted many many times to close my account online and with the assistance of many folks at the consumer line to no avail. I explained I can not go to a branch and that is why I opted for an online account and should be able to close the account in the same manner in which I opened the account- it is not reasonable to not be offered that option. Today I received another harassing phone call from the local branch threatening to report me to the credit reporting agency as the account has been dormant and they are charging me a XXXX fee each month. I was only able to reduce my balance to under XXXX online and not to close it. I asked it be escalated as a consumer complaint to management. A XXXX, XXXX XXXX, came on the phone and told me he was not permitted and did not have the ability to escalate this to headquarters. I told him this is a regulatory violation, including UDAAP and FCRA. I had him repeat on 6 occasions that he had no ability to escalate. I asked him who his prudential regulator was and he did not know. I asked twice. I asked if he was aware of what UDAAP or FCRA was and he did not know. I asked if he had any regulatory training and he had not. Additionally, I received no notice of the fees in writing ; perhaps online but as far as I was concerned, I cancelled my account as best I could by removing all my funds I was allowed as they did not have the means to appropriately close my account without contact. If they are suggesting the online is not good enough to close my account, why are they billing me for unfair fees through that process without notice? I just want my account closed and the ridiculous fees waived and the harassments to cease. Closing an account opened online, online is a reasonable assumption a reasonable consumer should receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Oliver Adjustment Co.
State: VA
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 am filing a complaint of non-compliance against the following collection companies : I sent a lettter to XXXX  of XXXX XXXX, XXXX you said you verified the accounts : 1 ) XXXX ( XXXX XXXX ) XXXX ) XXXX  ( XXXX. OF XXXX XXXX XXXX This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my name to my dispute letter deposited by certified registered mail with USPS. ( have attached both certified letters ).

I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. The following on the letters needs to verified : In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.

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 2017-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
on XXXX XXXX, I sent a letter to the credit bureaus requesting an investigation on 5 accounts. Almost 60 days later, and none of them have responded. I have sent follow-up letters to inquire for the reason for the delay, and those have also gone unanswered.

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 2022-07-14
Company: Experian Information Solutions Inc.
State: IL
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:
I've asked the credit bureaus to do a verification and they done so, they researched on my report and stated that is was accurate but I done a thorough researched on my report I've found improper items on my report that's I found inaccurate. 

# XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX In accordance with the Fair Reporting act XXXX Account # XXXX # 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 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 2022-07-14
Company: EQUIFAX, INC.
State: IL
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:
I've asked the credit bureaus to do a verification and they done so, they researched on my report and stated that is was accurate but I done a thorough researched on my report I've found improper items on my report that's I found inaccurate. 

# XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Reporting act XXXX Account # XXXX # 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 consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: EQUIFAX, INC.
State: CT
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:
To whom it may concern, The reason for this letter is to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. Because I did not apply for a credit from XXXX XXXX, XXXX on XXXX XXXX and XX/XX/202. I had a credit freeze on my account. I have also reached out asking them they remove the inquiry from my credit profile. Please launch an investigation into XXXX XXXX, XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I'm requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX, XXXX is able to prove that the inquiry is indeed valid, please provide written proof and description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2022-02-18
Company: Paramount GR Holdings, LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/2022 we were sold solar panels by a company called XXXX; we were told we needed to complete a loan application that same day which I did with GOODLEAP ( which we later found out was not true ). We later learned that XXXX sold us twice as much product as needed at about twice the cost of another solar company. I immediately cancelled the sale with XXXX on XX/XX/2022. I called Good Leap on XX/XX/2022 and also requested they cancel my loan application. I called Good Leap on XX/XX/2022 requesting they cancel my loan application. I called Good Leap on XX/XX/2022 requesting they cancel my loan application. They continue to REFUSE to cancel this loan application ( for over {$80000.00} ). Today I was told by a XXXX XXXX that it is still NOT CANCELLED and she has no intention of cancelling this loan application because they are HOPING I will change my mind. She literally told me " this doesn't hurt you in any way ''. It does hurt me ; they are holding me XXXX. I am not able to work with a different solar company or loan product.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: SUNRISE CREDIT SERVICES, INC
State: TX
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 recently received a copy of my credit report and upon review I found an account that is not mine. The account is SUNRISE CREDIT SERVICE and the original creditor is XXXX XXXX with a balance of {$730.00}. I live in Texas and have lived in Texas since the XXXX. I have never done business with XXXX XXXX in my life. I do not know where this account came from but it is not mine.

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 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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