BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent letters to XXXX, transunion, and XXXX. The credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions : rules The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


I would like to know who did they talk to? 

How did they complete this investigation?

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 2022-09-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I don't feel as if i still owe and i want this taken off credit report. This company claims that i do. I don't see how i still do considering a few facts. 
XXXX ) i can not go back to the company to make garnishment of wages. I don't know what kind of agreement that collection agency and garnishments company made but, garnishment co.says i have a {$0.00} balance XXXX ) collection agency says they can't take anything off credit report. I find that weird as they surely can put it on. I can't even go back to original debtor to settle yet, this same collection agency says, they say, i owe, and that's that. I find that hardly believable as, the original debtor said, it's out of our hands, you have to go back to debt collector company. 
XXXX ) My only idea was to go back/call to collection agency and ask when they plan on sending sheriff over to serve me court papers to appear at court, again. 
Collection agency seemingly don't or won't. Which confuses me more. 
XXXX ) i don't mean to be the small fish picking on bigger fish in the pond. But what am i supposed to do when collection agency won't take me to court and garnishment company won't without. 
XXXX ) I'm going to need a better rate on my automobile insurance and find a replacement for my XXXX XXXX 2002, rust bucket, with XXXX miles and i can not move forward without a better credit report. 
XXXX ) someone is not telling the truth or being on the level, and it isn't me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Disputed inaccurate and fraudulent information. XXXX Transunion, a copy of the FTC report along with my ID and my Social Security card Trans Union not only failed to investigate, they retaliated against me for disputing these items by blocking me from accessing my full credit report not only on their website but annual credit report.com.

Then, when they did show what they did, they would not give me a full report so I can see if there were any other inaccuracies on my report they gave me two clippings and that is it and both of them said account verified, but how are you going to verify a fraudulent account? It is retaliation against the law to not allow somebody to get the credit report and shut access down. This is against the law.

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 2022-07-28
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. However, I still have an account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last item on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any account that has been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
CHILD SUPPORT ENFORCEM XXXX Balance Owed : {$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 2022-12-01
Company: Lendmark Financial Services
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Lendmark financial services denied my right to counteroffer. I did not request a counteroffer yet they stated in previous complaint XXXX they are denying my counteroffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: LEXISNEXIS
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
LEXIS NEXIS SUPPLIED FRAUDULENT INFORMATION TO THE CFPB regarding complaint # XXXX. Lexis Nexis stated the information was removed per the letter to the CFPB, my insurance rates yet increased again to {$430.00} dollars a month starting in XXXX. I was notified via another Insurance Company as their rates were vastly different with a rate of $ XXXXa month. 

LexisNexis has violated the following : 1. 15 USC 1681 ( a ) ( 4 ) " Infringed Upon a Consumer 's right to privacy '' and 2. 15 USC 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction I had recently received notification from a customer service representative from XXXX as my insurance rate has increased ; when I inquired about the increase in my insurance premiums, the rep advised that it was due to a report obtained from Lexis Nexis and a ticket that I was reported in XX/XX/2021 I am still waiting for the case to reset regarding the alleged ticket issued due to the request for reasonable accommodations based on my XXXX. ( See attachments from the courts ). Therefore, the Information obtained is inaccurate and fraudulent at BEST. 

Accordingly, I REQUEST THE FRAUDULENT INFORMATION THAT IS BEING REPORTED TO BE REMOVED EFFECTIVE IMMEDIATELY BEFORE A LAWSUIT IS ENSUED AGAINST LexisNexis/XXXX 

Based on my XXXX and the discriminatory terms provided I will also contact the U.S. Department of Justice civil rights against LexisNexis. I am REQUESTING USAA DELETE THE INFORMATION FROM LEXISNEXIS due to their violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., as amended. 

A complaint with the FTC and CFPB along with Securities and Exchange Commission ( SEC ), Commodities and Future Trade Commission ( CFTC ) and the IRS will be filed to include the Department of Justice for FINANCIAL CRIMES AND INSURANCE FRAUD. I am utterly disgusted of the fraudulent, deceptive business trade acts of the insurance companies and banks and LEXISNEXIS for provided the deceptive information to a federal agency to avoid penalties. However, they continue to has no regard for stealing from consumers by any means NECESSARY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am unable to unfreeze my credit report from Equifax using their website. An error message is displayed saying, " We are temporarily unable to retrieve the status of your security freeze. Please try again later. '' I need to have my credit report made available to lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
CITI BANK BROUGHT IT TO MY ATTENTION THAT A PURCHASE WAS MADE ON A BRAND-NEW ACCOUNT THAT I HAD WITH THEM. AT THE TIME OF XX/XX/2022, IT WAS BRAND NEW. THEY INFORMED ME MY ACCOUNT WAS PAST DUE, AND I HAD A BALANCE. I EXPLAINED TO THEM THAT I HAD NEVER RECEIVED CARDS FROM THEM AND NEVER DID I ACTIVATED ANY CARDS. AFTER GOING BACK AND FORTH AND THE REP GAVE ME OPTIONS AND PROMISED ME THAT SHE WOULD HANDLE THE MATTER. SHE WAIVED THE LATE FEE, AND I AGREED TO PAY {$100.00} UNTIL THEY COULD INVESTIGATE. SHE ALSO VERIFIED THAT SHE COULD SEE THAT THE CARD WAS NOT ACTIVATED FROM MY PHONE NUMBER AND VERIFIED A NUMBER NOT ASSOCIATED WITH MY ACCOUNT ACTIVATED THE ACCOUNT. I IMMEDIATELY GOT UPSET AND REQUESTED TO REMOVE ALL CARDHOLDERS. SHE SAID THAT I WOULD BE ISSUED A NEW CARD WITH NEW INFORMATION. XXXX AND XXXX CAME, AND AGAIN THE SAME THING OCCURRED. WHEN I TRIED TO USE THE CARD IN XXXX, IT WAS DECLINED. CITI BANK SENT ANOTHER CARD AND GAVE ME THE SAME EXCUSE FOR 3 MONTHS. TO THIS DAY, AN INVESTIGATION HAS NOT BEEN COMPLETED. EVERY TIME I CALL THEM, THE CALLS ARE DISCONNECTED. NO ONE HAS NO UPDATES. THEY HAVE GIVEN ME THE RUN AROUND AND RUINED MY CREDIT. I HAVE NOT BEEN PROVIDED WITH NO DOCUMENTATION OF ANY INVESTIGATION THAT HAS TAKEN PLACE. MY ACCOUNT HAVE NOT BEEN CREDITED, NOR HAVE THEY RETURNED MINE OVERPAYMENT OF {$100.00}

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 explanation
Consumer complaint received 2022-12-01
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The state of Florida 's Homeowners Assistance Fund program agreed to make monthly mortgage payments of {$3600.00} for eight months to the mortgage company Amerihome Mortgage starting XX/XX/2022. As of today, only the XXXX payment was received, processed, and credited to the mortgage account and the mortgage company has not credited the last XXXX months of payments. I have received a letter in XX/XX/2022, from Amerihome Mortgage stating that I am not late on the mortgage and have not been late for the past two years, but the credit bureaus report that I was 30 and 60 days late on the mortgage payments. I have requested for the mortgage company and the credit bureaus to stop violating the F.C.R.A. by knowingly reporting erroneous information on my credit report, but they refuse to make the corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
My credit Bureaus have inaccurately reported an account by the name of XXXX XXXX XXXX. On my Transunion report it says this account is OPEN and the last payment date was made XX/XX/XXXX, and the original balance is {$29000.00}. On my XXXX report it says this account is CLOSED and the last payment date was made XX/XX/XXXX and the original balance is {$28000.00}. On my XXXX credit report is says this account is CLOSED and the last payment date was made XX/XX/XXXX and the original balance is {$29000.00}. 

They have inaccurately reported an account by the name of XXXX XXXX XXXX on my credit report. On my Transunion report it says the last payment was made XX/XX/XXXX. On my XXXX report it says the last payment was made XX/XX/XXXX. On my XXXX report it says the last payment was made 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 non-monetary relief
Consumer complaint received 2022-06-29
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I filed a XXXX. XXXX Bankruptcy to keep my home. On or about XX/XX/XXXX, US Bank National and/or employee attorneys working for US Bank National , fraudently portrayed themselves as my " listing agent '' and posted pictures of my home on XXXX  offering it for a " cash '' sale buy through XXXX 
4 days later I discovered this and I began contacting XXXX, sending them a copy of the Court filing and my attorney information confirming that my home is under Bankruptcy XXXX XXXX protection and letting them know I had no knowledge of or a business relationship with a listing agent, who had also posted the advertisement on XXXX and XXXX. 
XXXX legal dept responded to me with the attached correspondence, confirming that this action that violated a federal Bankruptcy injunction was taken by " individuals who claim ownership '' of a note or mortgage toy home. Since then, I have also obtained material evidence that US Bank obtained a second mortgage on my home in XXXX without my knowledge or authorization.

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 2022-06-29
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with The Fair credit reporting act XXXX  account ( s ), XXXX XXXX XXXX {$8200.00} # XXXX XXXX XXXXXXXX XXXX  {$960.00} # XXXX Dept of education XXXX XXXX Department of education {$90000.00} XXXX XXXX XXXX XXXX XXXX # XXXX {$630.00} XXXX XXXX XXXX XXXX XXXXXXXX {$3900.00} # XXXX XXXX XXXX XXXX bank {$870.00} # XXXX XXXX XXXX XXXX XXXX XXXX  {$1800.00} # XXXXXXXX XXXX # XXXX {$260.00}, have violated my rights. 
( 15 USC 1681 section 602A. ) States I have the right to privacy. 15 USC 1681 section 604a also States a consumer reporting agency can not furnish my account information 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 2022-04-25
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 I received a copy of my credit report and noticed some negative items that I had no knowledge of. I requested an investigation into these items and never received a response. I contacted the creditors and requested that they provide me with any documentation in relation to these accounts bearing my signature and again no one responded. 
XXXX XXXX ACCT # XXXX DATE OPENED XXXX BALANCE {$720.00} XXXX ACCT # XXXX DATE OPENED XXXX BALANCE {$1900.00} XXXX XXXX ACCT # XXXX OPENED XXXX BALANCE {$420.00}

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 2022-06-07
Company: PENTAGON FEDERAL CREDIT UNION
State: KS
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:
XXXX is failing consumers

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 2023-10-05
Company: Frost-Arnett Company
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023, Frost-Arnett contacted me by letter saying that I have an overdue bill of {$1000.00} and unless I make a payment, they will continue their collection efforts. I sent them a request for debt verification on XX/XX/XXXX, and they have not contacted me or responded to my request in the 30 days following the letter being sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TOP FLITE FINANCIAL INC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
I was a victim of predatory lending. I applied for a refinance of my primary residence to take some cash out to do some needed repairs and updates. I am on Social Security with a monthly income of {$1900.00}. My home appraised for {$260000.00}. I wanted as much cash out that I could get and still qualify. After all said and done my loan was approved for {$110000.00}. My existing balance was {$75000.00}. I was looking at close to {$40000.00} cash out. At signing, I received less than {$20000.00} due to high lender fees and the payment was {$1200.00} per month. This payment ratio was 62 % but the loan was still approved. The loan is for an FHA loan that has a payment ratio requirement of less than 43 %. I had poor credit and no cash reserves. I was desperate to get some needed repairs so I closed. This was in XXXX and the servicing has already transfered 3 times. I have no idea how the loan got approved and am now at risk of losing my home and {$140000.00} in equity because I can not afford a {$1200.00} payment. Also, the loan did not close in a timely manner due to the loan officer and processor dragging their feet. They " missed '' my rate lock date and changed a higher rate and increased their fees. Anything needed or requested by the lender of me was provided in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
For student loan payments made during the covid forbearance period we were eligible for refund until XX/XX/2023. Nelnet 's phone 's were down from XXXX on and you were unable to get ahold of them to request a refund through an application. There is no way to do this online. When called the next day they stated it was past the deadline, although they were not open to take calls on the deadline date. After speaking with multiple nelnet employees they did place an application but states they are unable to determine if it will go through due to placing application " late ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: EQUIFAX, 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: Account information incorrect

Complaint:
there is a number of inquiries on my credit report that is fraud i did not apply for any of these acounts XXXX XX/XX/XXXX XXXX XXXX bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX i was just laying down an got a credit alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: Data Mortgage Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
In XXXX XXXX XXXX I went into forbearance with my mortgage company. I asked lots of questions to ensure my home would not be taken away from me. That person verified those things for me. In the midst of coming out of forbearance, I guess they did some type of merger with a contractor or something of that something of that sort. They have no previous documents of my forbearance documents and I am unable to pull up my online account to resume making payments. This has been the most FRUSTRATING process ever. I don't know what is going on with my home loan. I have gotten no response from them regarding this situation. I have called a million times and I have sent emails to prevent a foreclosure. I need some answers now because the clock is ticking. The automated systems says someone will call, they never do. Please help with this. The mortgage company is called Essex Mortgage. I need them to contact me ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
The website for my XXXX XXXX would not tell me my balance. There is no way for me to use this car if I don't know the balance. It now shows it is expired. However, there is a note right above the expiration date of XX/XX/22 that says FUNDS DO NOT EXPIRE. If they don't expire, why is there is expiration date on the card. And why won't the website allow me to see the balance. When I checked a few days ago, it said the status of my card was closed. No other information. What is this suppose to me. Why don't they give more information. Are they just hoping that customers don't check on these things so they can just keep hard working peoples money? 

The card is issued by Wells Fargo Bank , N.A . pursuant to license from 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