BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-18
Company: EQUIFAX, INC.
State: NC
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:
XX/XX/XXXX. Who is the credit provider for this account? 
XXXX XXXX XXXX XXXX party didnt ask could they use XXXX XXXX party did not ask could they use XXXX XXXX XXXX XXXX party did not ask could they use XXXX, XXXX party did not ask could they use XX/XX/XXXX. 
XXXX XXXX XXXX lease not mines XXXX XXXX lease not mines XXXX XXXX lease not mines XXXX XXXX XXXX XXXX lease not mines XXXX XXXX - party did not ask could they use XXXX XXXX- party did not ask could they use XXXX XXXX XXXX didnt ask for use of matters XXXX XXXX - party didnt ask could they use NONE OF THE ABOVE Nonconsential use of credit party did not ask me if I wanted them to use my identity to do any matters sai d every body does it, they all break the law, what was the comment about them using it would like same debited from their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: Rocket Mortgage, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am an XXXX woman and was told that the best rate was being given and I was going to have to pay for closing and the rate was going to be lower than it was. They sent the agent over to my house to go over the paperwork for me to sign. I have n't received my copy at this time yet. So why looking at and listening to what he was saying. I said I did n't want to proceed. That it was n't what I was told and it did n't seem like it was going to be the best thing for me. I was then informed that I can sign the forms and have time to not accept or cancel them. After I spoke to Quicken loans. When I contacted them they said it was to late. That it was already done. I told them that I was told I had time to speak to someone about this. and was told again its to late. XXXX XXXX. XXXX XXXX contacted me and told me that he was going to keep going back and forth with me, That its already set and done. That I had 3 days to think. And the check was in the mail. If they count the weekend as days to think and not answering the phone Monday morning. I just do n't know what to do or say. But this deal I did n't want or would of considered. I thought it was a type o and they where going to fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
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: Account status incorrect

Complaint:
Social Security Admin office is reporting a charge off that should not be on my credit. They previously told me they would remove it and so far nothing has happened. This account should not be on my credit and I would like for it to be removed as I was advised it would be.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Social Security Admin office is reporting a charge off that should not be on my credit. They previously told me they would remove it and so far nothing has happened. This account should not be on my credit and I would like for it to be removed as I was advised it would be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-09
Company: SYNCHRONY FINANCIAL
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
I have an account with PayPal, have had for several years, and usually for purchases over {$200.00} they offer a 6 month interest free option. I have several charges with them some that are on longer terms, but one charge that I made was in XX/XX/XXXX for an amount of {$2500.00} on a 6 month interest free plan. They send me a statement every month that shows what my minimum due is to avoid any interest charges, which I have always paid and paid twice as much, so they can apply any excess to the amount mentioned above. This amount now has an expiration of XX/XX/XXXX, and they have not applied a XXXX of my excess payments to this amount. When I call them they say that what they bill me for is the monthly payments that have to be paid first, but then why are they not applying anything to the largest amount, and one that is also on a promotional period? I believe it is a very unfair practice and now I am stuck with having to pay a larger amount at once. It defeats the purpose of having an interest free pay plan. Besides why would they apply the excess payments to amounts that still have 10 more months to go? Is there any help you can provide? Thanks. My name is 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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated

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 2017-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I recently reviewed my credit report and noticed credit inquiries that I did not authorize. According to the Fair Credit Reporting act ( FCRA ). The following inquiries I did not authorize and/or recognize : XXXX. XXXX XXXX XXXX CO - XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX  XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX XXXX - XXXX/XXXX/XXXX XXXX CXXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX XXXX. XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX XXXX. XXXX XXXX - XXXX/XXXX/XXXX XXXX. PXXXX  XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX XXXX. RENTAL PROPERTY XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX It is XXXX responsibility to make sure a creditor provides a clear reason along with permission before releasing a credit report of a consumer.

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I was in the process of rebuilding my credit and getting my life back on track. I opened a XXXX XXXX account, made my payments on time and at first everything was ok. After 1 year my loan was paid as agreed and I was offered a credit card through XXXX  XXXX. I noticed my credit score had dropped on Transunion only. Upon checking i saw that TRANSUNION was reporting the account as Derogatory, I called XXXX XXXX and they told me it was an error on the part of transunion. My next step was I sent a dispute letter to transunion XX/XX/2022. The results were a simple verified. How is it verified when both myself and XXXX, XXXX is saying different? Other 2 agencies are reporting the account correctly as I will show

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 2017-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Past 5 years done one have been trying to get things in my name want to get all inquiries deleted for in proper use. Below the following HARD INQUIRIES XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry 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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 non-monetary relief
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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  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 also states a consumer reporting agency can not furnish an account without my written instructions.15 U.S.C 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 non-monetary relief
Consumer complaint received 2017-06-29
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I went into PNC today to cash a check that was drawn on their bank. They did not make all of it available, when I specifically told them to cash it and deposit it into my account!   This is t he 3rd complaint  against them in 3 days!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!   I need that money in my account NOW. It was a check for {$2500.00}, I received {$2200.00} back in cash, and the remaining {$300.00} should have been available now, and it isnt. I tried to call their corporate office, and no one is available ( as usual!! ) to speak to me about this, they absolutely refuse to make that {$300.00} available now!! They should be fined, big time.   And their website is not working to access my account either!!  Ther  is no note on their website that it is out of order. FINE PNC!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Recently received trial period plan agreement from my mortgage company Prime Lending. I've made the trial payments that were due. I received in the mail a property foreclosure sale for my property set for XX/XX/2019.  I've been paying the trial payments that have been required of me. I don't want to lose my home to foreclosure. 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: CITIBANK, N.A.
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:
the following account appears on my credit report, without authorization, it does not belong to me, it is hurting me Identity Theft CBNA Account Number : XXXX This 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 2018-07-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There was a total of XXXX in unauthorized charges to my checking account. I contacted Chase Bank about disputing these charges and they refused to assist. I did not authorize either of the 2 transactions, nor provide my PIN number. I have attempted to contact the merchant and received no answer The first charge was XX/XX/18 for {$75.00} and the second charge was XX/XX/18 for {$10.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
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:
These 3 accounts are not mine ... not sure who's they are. Please remove them.

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights XXXXThe Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights 2- ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights XXXX XXXX XXXX XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX/Accout # XXXX ) Has violated my rights

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 2017-06-29
Company: U.S. BANCORP
State: AL
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:
U.S. Bank Home Mortgage incorrectly reported the status of a Foreclosure filed against me. I have written numerous letters asking them to correct the status. The foreclosure was " REDEEMED '' on the day of the foreclosure auction. Therefore the status of the foreclosure on credit reports from Credit Reporting Agencies should be " Redeemed, XXXX XXXX 2015 ''. Under the Case Law my attorney has reviewed, since the bid at foreclosure of XXXX was for the entire amount U.S. Bank Home Mortgage claimed to be owed based on the terms of the mortgage and U.S. Bank was made whole we do not believe that U.S. Bank legally had the right to even report the foreclosure, since they suffered no financial loss, which is the purpose of negative information on consumer credit reports, to show when an individual financially damaged a reporting entity, not to punish a consumer who has through what ever means legally available to the consumer to make the financial institute financially whole.

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 2021-11-09
Company: T.S. Holdings
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a call at work at my desk phone from a representative by the name of XXXX of IQdata on Monday XX/XX/2021. I advised her that i hadn't received any notification nor proof of debt to my mailing address. i asked her not to call me at work and to please send whatever it is in writing she refused stating since she had me on the phone lets take care of it now. we went back and forth about her not calling versus discussing it with her by phone. i refused to start a n arrangement without documentation. she refused and stated she would now be moving to the next stage of collections. i still advised her to send it in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We applied for a loan forbearance during Covid because my husband was laid off and I was not suure of my position. We ended up with a 5 month forbearance instead of 6 because he went back to work and we were ablee to make our payments. We started the modification process in XX/XX/XXXX. We signed the paperwork and were directed to mail in our monthly payments for XXXX, XXXX and XXXX XXXX. We were never sent the second part of the modification agreement so I called and spoke with Huntington. They said they were behind on the process because of Covid and I should call in to make my payments until the paperwork arrrived. I made my mortgage payments over the phone for XXXX and XX/XX/XXXX. I called several times to see how the process was going and was told to continue calling in my payments. I was told that my payment increased due to a taxes and that I owed larger payments. I continued to call in the larger payments and was told numerous times that they would send my requests to complete the modification process along to the department. I was told they did not have a direct phone number and that all requests were submitted through email from their end. 
We decided to refinance our home in order to get a 15 year mortgage and better interest rate. I talked to a Huntington representative and asked about rates. He ran our credit and told me to contact the loss litigation deparrtment to get the modification finalized. I decided to look into other companies for better interest rates and custoomer service. We have been approved for completed all the steps necessary to refinance our mortgage but can not get an accurate payoff amount from Huntington. We continued to call in our payments through XX/XX/XXXX but have not been able to complete the modificaiton process and have our 9 months of payments applied to our loan. 

We have called numerous times, waited on hold for hours, been hung up on and even used a 3rd party person to prove we made the required payments. We have bbeen told nuumerous times that they are on step 4 of 6 for our modification and that every modification is taking this long because of Covid. We are supposed to close on our refinance nex week but no one can get an accuurate payoff amount for our Huntington VA mortgage. 

This is affecting our opportunity to refinance and secure our financial future. We are unsure of where our payments have been going and what will happen in the future. We need help to get this situation taken care of and to warn others so it will not happen to them.

Company response to consumer: Closed with explanation