BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I was looking into possibly buying a home and inquired with " XXXX XXXXXXXX XXXX XXXX '' who then passed my information on to XXXX XXXX. I wanted to have a conversation about the home buying process and get some questions answered. A XXXX XXXX of XXXX XXXX  contacted me and asked some short questions then told me he would put me in touch with his associate XXXX XXXX who would further answer my questions but to fill out the online application before my conversation. The form has you fill out all this information then goes on to mention after submitting all personal docs and income that moving forward gives permission to run credit. I thought, " well how/why would they run my credit before speaking to me. I send an email to both XXXX and XXXX that I do not want my credit run because I don't even know anything about you company nor the process, and I still have questions. XXXX replied to my email, " certainly. '' On XX/XX/2022, I had a conversation with XXXX and quickly determined that he was only interested in pressing me to move. I verbally mentioned to him again that I do not want them to run my credit because I was merely making an inquiry, gathering information about the home buying process to determine what my next steps were. He again agreed, then dismissively went on to ask me what my apprehensions were about buying a home. I explained I am researching the process and further into the conversation realized that I did not want to work with him and politely wrapped up the conversation with, I am not ready and still have some work to do. XXXX replied, " ok when you are ready, just give us a call and we can get going. '' On XX/XX/2022, I received an alert from my credit monitoring app which informed me that there was a hard inquiry. When I logged in, I saw that there was an unauthorized credit check for a mortgage through credit plus, and xacatus. I am disturbed by this and tried to call XXXX and he did not take nor return my call. I sent an email and he casually apologized then posted my credit score in the email and stated that " I was all good '' and " how would I like to proceed? '' This was underhanded dishonest of XXXX! XXXX XXXX  and XXXX XXXX are now known to me as company and mortgage lender that should not be trusted. I will never do business with them and I will warn others.

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 2021-08-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent many letters of debt validation stating to validate the debt pursuant to 15 USC 1692g. However I received no response but more statements with incorrect amounts which are violations of consumer protection under 15 USC 1692c ( A ) when this account should be an open-end credit plan pursuant to 15 USC 1602j. With Wells Fargo not validating the debt, they now are sending me false figures and representations pursuant to 15 USC 1692f ( 1 ), 15 USC 1692e ( 2 ) A as well as violating other numerous federal laws. I have provided the erroneous billing statement along with the billing errors and false misrepresentation of this alleged debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: RMA Credit Association
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: Santander Consumer USA Holdings Inc.
State: LA
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Im a XXXX struggling student that is trying to fix and rebuild my credit report. XXXX XXXX has an old closed account from over 7 years ago that has been closed XXXX XXXX, 2008 that should be taken off my credit report like most of my credit cards that are over 7 years old. Can you please have the courtesy of resolving this problem by removing this off my credit report or I will be contacting my lawyer and filing a lawsuit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX is mis reporting the date of last activity to Trans Union for my old LOC. The true date of last activity is XX/XX/XXXX ( showing correctly in XXXX ) however, on Trans Union it is reporting XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have previously reported these accounts as inaccurate and they were remove. Now they are reporting as closed negative accounts on my credit please help me resolve this issue for a final time. The following accounts need to be BLOCKED AND DELETED from my credit file please. 

XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$480.00}

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 2022-02-24
Company: Data and Contact Management Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I tried many, MANY times to contact XXXX in regards to my late father 's phone bill. While I was in the middle of burying my father, working full time, homeschooling my child, and trying to navigate that state of the nation amidst COVID, XXXX wanted me to go to one of their stores, not just a retail outlet, a corporate store, and provide the death certificate to terminate the service. I offered multiple times to provide it online via fax, scan, email, as i did with every other single creditor my father had accounts with. XXXX refused to work with me and instead kept billing my dead father. My father passed on XX/XX/2020. I will not pay for charges i attempted to settle considering i made MULTIPLE EFFORTS to close the account due to the death.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My credit report of 6/17/2015 from TransUnion shows that a credit inquiry was made regarding some home furnishings on XX/XX/XXXX. I never attempted to purchase any such furnishings. The XXXX is listed as SECURITY AGE. The address listed is XXXX XXXX XXXX, XXXX, AZ XXXX. I determined that to be a residential address. I filed a fraud alert with TransUnion. I 'd like to see the perpetrator prosecuted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
OnXX/XX/XXXX I called Santander Consumer about my XXXX payment. I stated that I was not going to be able to pay the full amount and the customer service rep informed me that she could offer me an " extension '' on my loan that would put XXXX and XXXX 's payment on the back of my loan. I agreed and the customer service rep informed me it would take up to 10 days for Santander to process the extension on my loan. I called back and asked about the paperwork they were supposed to send me she stated that I would get an email and when I received the email to electronically sign the docs and my next payment would be on XX/XX/XXXX. I did n't receive the email until XX/XX/XXXX. I did everything they asked of me and thought everything was fine. I have my account to be set up with recurring debits so Santander actually still got a payment for XXXX in the amount of {$300.00}. Then in early XXXX I get a notification that I am 30 days late in XXXX. How can I be late in XXXX if my XXXX and XXXX payment was " extended '' and put on the back of my loan?? I called Santander and they stated that the paperwork was not finished processing until XX/XX/XXXXso that 's why its a late on my credit. Santander waited until my account was 30 days late then they processed the paperwork. That is fraud because they purposely waited until my account was past due then processed the paperwork. I called Santander to resolve this problem but they will not correct it. How can Santander say I was late for for a month that they put on the back of my loan. I have never been late or missed a payment since XXXX of XX/XX/XXXXwhen I got this loan and I have my account set up for recurring payments so this wont happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 UPDATE MY CREDIT REPORT. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD. XXXX SHOCKED HOW IT HAPPENED.

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 2016-09-18
Company: Robinson, Reagan and Young PLLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am keep received some calls from collection agency daily regarding a debt that I do not recognize neither received any bills or invoice explaining the debt I owned and from who. I want this harassment to stop immediately.

Company response to consumer: Closed
Consumer complaint received 2019-10-21
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I believe an error has been made in the evaluation of the removal of my Private Mortgage Insurance. 

Here are the facts of the matter : I purchased my home on XX/XX/XXXX using XXXX XXXX as my mortgage lender with a 5 % down loan that included borrower-paid PMI Huntington Bank purchased my loan from XXXX XXXX and subsequently sold it to XXXX XXXX Huntington Bank continues to service my loan I have been making on-time payments to Huntington Bank since the origination of my loan At my closing, I signed a PMI disclosure indicating that I needed to achieve a 20 % equity position, and have made my payments on-time to be eligible for the PMI to be removed. ( disclosure enclosed ) I contacted Huntington Bank customer service, an appraisal was ordered* and my current loan-to-value based on my outstanding balance and appraised value is 79 %. 
Huntington Bank sent me a denial letter for the removal of my PMI due to the fact that my loan was originated less than 5 years ago and has an equity position of less than 25 % ( denial letter enclosed ) No where in my closing document is there mention of a time frame during which I must achieve greater than 20 % equity position as a consideration of PMI removal While I understand if I had originated my loan with Huntington Bank or XXXX XXXX, I would be bound to the terms of removal formula that Huntington and/or XXXX XXXX employs I originated my loan with XXXX XXXX. Huntington and XXXX XXXX purchased the loan and are bound to the terms under which it was originated. Items such as the interest rate, mortgage amount and the terms on which the PMI would be removed can not be changed after the origination of the loan. 

My request is for the removal of my Private Mortgage Insurance effective the next payment after the appraisal that Huntington ordered was completed ( XXXX XXXX, XXXX ). 

*Additionally, I want to make you aware that the appraiser who completed the Huntington Bank ordered appraisal, omitted a bedroom, did not adjust for the school district my home resides in ( in comparison to other homes in my neighborhood that are in a less-desirable school district ), and did not account for the substantial improvements that have been completed. The appraisal I personally ordered left my current loan-to-value at 78 %.

Please acknowledge the receipt of this request.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Braviant Holdings, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by XXXX and XXXX XXXX on XX/XX/2022 and I have no recollection of doing any business with XXXX and XXXX XXXX. I am in the process of contacting XXXX and XXXX XXXX but no phone number is on the credit inquiry. I would like a detail report of who this company is and why the company chose to file on my credit report before calling me or sending me some type of notification regarding this negative reporting. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: EQUIFAX, 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:
As a consumer I have the right to maintain an accurate, up to date, and % 100 true consumer credit report. Please understand that I am fully educated on the Fair Credit Reporting Act. 

As a consumer I am also educated on the dispute process and E-Oscar and I feel that I have invested a great deal of money disputing items that are in error which should not be reporting on my credit report. XXXX, Equifax, and XXXX  continues to validate propagated errors throughout E-Oscar. No human being is actually handling these disputes and this is just plain illegal. As a consumer my credit report should be % 100 accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: ALLY FINANCIAL INC.
State: KS
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased a vehicle in XXXX XXXX with GM Financial ( Ally subsidiary ) and was charged an exorbitant interest rate! I just learned about a DOJ settlement requiring Ally to reimburse minority customers who were charged unfair rates for purchases from XXXX XXXX - XXXX, and I fall under this category. However, I was NEVER notified of this DOJ lawsuit/settlement agreement & am now being told " too bad - you missed the deadline! ". Ally is NOT notifying all affected consumers & I believe it 's to reduce their payout loss ratio!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: American Credit Acceptance, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I called ACA ( American Credit Acceptance ) twice in XX/XX/2020, the month prior to the due date of my first payment, to inform ACA that I need some assistance due to the Stay-At-Home Order because of the coronavirus pandemic. ACA informed me that I am current and there is nothing ACA could do for me since I have not made my first payment. I informed that my XXXX payment will be late and I need a 2 to 3 months deferral. ACA denied me the deferral. I called again the first week of XX/XX/2020, to discuss my car payment. ACA refused to give me any assistance. I explained to the agent that I am being affected like everyone else in the USA, I am self-employed and all my clients have stopped paying me. ACA firmly denied any help. My due date came on XX/XX/XXXX, I was not able to make my first car payment. Then ACA started making collection calls as early as XX/XX/XXXX twice, on XX/XX/XXXX, on XX/XX/XXXX, on XX/XX/XXXX. Called ACA after I received a threatening letter to repossess my car and to accelerate my car loan after the agents promised me that ACA is not repossessing any vehicles. I spoke to a Supervisor and she agreed that the letter should have sent out and it was system generated. I informed her that this is a written statement that contradicts what she was telling me. I decided to file a compliant.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
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: Their investigation did not fix an error on your report

Complaint:
There are 2 late payments on my experian credit report from XXXX in which I have submitted an email from the rep for the XX/XX/XXXX late payment was not late and this is still coming back as verified and not removed. The late payment in XXXX of XXXX I submitted the proof that I was in loan modification with the end date being XX/XX/XXXX with instructions to make a XXXX payment to a different servicer once modification was approved which I did immediately after receivng the letter but I also did not get the letter until XXXX so I had to make XXXX and XXXX at the same time

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 2017-05-31
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
Applied for loan with  XXXX  and was denied due to the following reason : Unable to verify personal information or identity.   
The credit reporting agency is LexisNexis Risk Solution Bureau Consumer Inquiry D  epartment  XXXX .  XXXX   XXXX   XXXX , GA  XXXX  Toll free number  XXXX  I have never heard of this agency and can not get my report because they can not verify my identity. I do n't know where they get their information from but how do I get this corrected? I ca n't verify it is me according to them to fix the information that I am denied for. When I enter my ss to request report the recording tells me it is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
The scam occurred from XX/XX/22 till XXXX The call came from the published Chase Customer Service that someone had initiated a wire transfer from my savings account. Because, it was a Chase Customer Service phone number, I believed iot and followed the directives by him hoping that my money will be saved. These are fully explained in the attached chronology of events. 
The moment we realized it could be a cam, we acted. On XX/XX/22, Our daughter first called the XXXX XXXX XXXX hot line and gave a report over the phone. 

She then called the XXXX Police Department. A police officer came home and took the complaint in person The incidence # XXXX XXXX XXXX. 

Our daughter, myself and my nephew from XXXX XXXX lodged a complaint with the manager of the Chase Bank Branch at XXXX XXXX XXXX XXXX, XXXX, AZ on XX/XX/22. Copies of Recall filed by the manger with bank and Global department are attached. 

I filed a complaint on XX/XX/22 with ic3.gov. Copies attached. 

I filed a complaint with FTC on XX/XX/22. Report # : XXXX. 

I filed a complaint with Arizona Department of Economic Security for Adult Abuse on XX/XX/22 Case # : XXXX.

Company response to consumer: Closed with explanation