BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 sent a letter on XX/XX/2022 to XXXX. 
However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumers 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 informations. However, such information shall not include specific factual information on a consumers 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 non-monetary relief
Consumer complaint received 2022-07-07
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home with Caliber Home Loans in XXXX. 
Due to issues with them paying my taxes late and making me pay the late fees and interest, I contacted them several times to cancel my escrow account using the procedure and forms they required. They denied the request. They always say that the " anticipate '' larger amounts will be required for future taxes and insurance coverage. I began paying my taxes and insurance payments in XXXX to prevent them from continuing the mistakes of the past. ( I have the receipts. ) To call them is a live nightmare, referring always to a customer service number with lots of suggested extensions but none of them applicable, or those who are unable to assist or answer the questions. 
I have called many times and written several letters to get them to stop the escrow inclusion in my payments, sending them by faxes. I never receive a reply, except twice recently which was not expected and left no person, office, place, or extension except the customer service one. They have told me many times that it has been sent to the " escalations management department '' and I should receive a phone call in 7-10 business days and they have never even called or given me information on how to contact them. 
I have threatened them with applying to your office for help and legal proceedings. To no avail. 
They have paid my taxes on property of mine not connected to the mortgage. 
The increases to escrow has raised my monthly payment from {$1000.00} to {$1800.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: TX
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: Problem with personal statement of dispute

Complaint:
This complaint is about a potentially negative item reported on my credit profile by : The University XXXX XXXX XXXX XXXX XXXX XXXX XXXX These two organizations have opened a collection account in the amount of {$700.00}, under my name as a delinquent payment. 
All attempts to make them remove this erroneous report have failed. 

Here is what happened On XX/XX/XXXX, I got an offer from the University XXXX XXXX to do an XXXX program. 
On XX/XX/XXXX, I made a payment of {$1100.00} for the XXXX registration On XX/XX/XXXX, I deferred my admission. This is because my job assigned me to a project that made it unfeasible to continue with the program. 
Because the deferral was completed within the allotted time, the university promised to give me a refund for the tuition that I paid. However, after many unsuccessful attempts to get my refund, I gave up and stopped contacting the school. Only for me to see it appear on my credit profile, this year XXXX. 
I have disputed this report with Experian and submitted documentation to prove that I do not owe the University any money but still, I have no idea why Experian will not remove this from my credit report. 
I also do not know why the University thinks I owe them money, even the credit collector can not offer a good explanation about the money they say I owe. 

Now I'm interviewing for a job right now and their background check is alerting me of a potentially negative item in my report. I have been without a job for over a year and I can't afford to miss this opportunity.

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 2023-05-30
Company: Experian Information Solutions Inc.
State: TX
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:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX inquired on XX/XX/XXXX ; XXXX XXXX XXXXXXXX inquired on XX/XX/XXXX ; XXXX XXXX  inquired on XX/XX/XXXX ; XXXX XXXX inquired on XX/XX/XXXX. 
The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized.

Did not consent to unauthorized inquiry.

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 2023-05-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The process to freeze your credit with Experian is incredibly predatory. The page that shows up on XXXX to freeze your credit with them is broken. Once you sign in to your account, the option to freeze is incredibly hidden, and they just constantly try to upsell their paid XXXX service.

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 2022-12-05
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-05-17
Company: Experian Information Solutions Inc.
State: CO
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 Fair credit reporting act XXXX XXXXXXXX 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 a account without 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 explanation
Consumer complaint received 2017-12-27
Company: Experian Information Solutions Inc.
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:
Disputed items with Experian, XXXX, and XXXX, all three came back as verified. XXXX 's rentals had a write off bad debt. I have called XXXX 's about this and asked for the contract signed by myself till this day 4 months later have not heard from them. Sent all three reporting agencies asking for a Method of Verification. Since they verified these accounts during the dispute they should have all the information in there records. The credit reporting agencies had 15 days to send me the information it has gone well past this. I have never done business with XXXXXXXX XXXX XXXX so I know these are not my accounts. But XXXX is the only company that has had found them inaccurate and removed them from my report. So how is Experian and XXXX still reporting these accounts.They never sent me the information that by law they are suppose to within 15 days. The Method of Verification was received by them XXXX XXXX, 2017 by both Experian and XXXX. These are not my accounts and for them to report these accounts on my report is violating the law. XXXX 's can not show a signed contract by me. These Items should be removed immediately if they really investigated the dispute like XXXX has done the would see these are not mine. They should be removed on the fact they have gone over the time constraints by law. I want to see how Experian and XXXX verified these accounts and they need to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: Early Warning Services, LLC
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A person posing as a home owner agreed to lease a house for the deposit and first months rent. I paid these through zelle after having had a multiple conversations with the person on the phone and having visited the property. It was afterwards that some further investigation showed they did not own the property as it was owned by a company who rents out homes. Their name was never listed on the county register.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, 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:
Dear CFPB, I am writing to request that you remove all inaccurate information from my credit report. The information that is currently reporting is false and incorrect and goes against a credit law. I am requesting that this information be removed immediately. 

I understand that the CFPB is responsible for protecting consumers from unfair, deceptive, or abusive practices and enforcing federal consumer financial laws. I am confident that you will take the necessary steps to ensure that my credit report is accurate and up-to-date. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX Last payment XX/XX/XXXX Payment status 30-59 days late Worst payment status 30-59 days late ACCOUNT DETAILS Account status Open Type FHA real estate mortgage Responsibility Individual Remarks -- Times XX/XX/XXXX days late XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been a customer for decades, since the XXXX XXXX times, but unfortunately Chase does not appreciate past long time loyal customer with pristine credit history. 
Chase Bank decided to : 1 ) End the XXXX XXXX XXXX product which was valid until XX/XX/2025, 2 ) Denied me use of my XXXX XXXX XXXX valid until XXXX, and forcefully migrated me to a new product called the XXXX XXXX XXXX XXXX, 3 ) The new product is much more expensive, and NOT a MasterCard, unacceptable to me, and have not activated the cards, 4 ) They are denying access to the Club in the airport, although XXXX XXXX  was valid until XX/XX/2025 5 ) Chase Bank has BULLIED me into accepting an unacceptable product, instead of letting long time customers have the CHOICE of keeping their legacy card, 6 ) Charged me an annual fee of {$450.00}, and did not deliver their product or promise, this to me, feels like FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have tried to get my student loan servicer, Pennsylvania Higher Education Assistance, to apply my payments to the Public Service Loan Forgiveness program. Their Ombudsman was able to find XXXX payments that qualify but only payments from XXXX XXXX. The previous payments another servicer are not considered " Qualifying Payments '' I made XXXX payments between XXXX XXXX and XXXX XXXX and would those credited towards my XXXX qualifying payments. The payments were made per these requirements : Must have been made after XXXX XXXX, XXXX Must be on-time ( no later than 15 days after the scheduled due date ) Must be made each month, satisfying in full the installment amount due for that month Must be made when the loan is not in a default status Please contact the servicer and have them apply payments as per the law. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint with the Consumer Financial Protection Bureau to address an ongoing issue with inaccuracies in my credit report. In a recent letter to XXXX, I provided documented evidence demonstrating that five late payments on my credit report, associated with the UNIVERSITY XXXX XXXX account ( XXXX ), were falsely reported. These inaccuracies were proven to be erroneous due to my prior enrollment in autopay. 

Despite the compelling evidence presented in my dispute letter, my credit report has not been corrected. These inaccuracies have adversely impacted my creditworthiness, making it challenging to obtain credit and financial opportunities. 

I am seeking the intervention of the Consumer Financial Protection Bureau to ensure the immediate and accurate rectification of my credit report. My primary goal is to have these false late payments removed promptly to restore my creditworthiness to its rightful state. 

I appreciate your attention to this matter and request your assistance in resolving this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24
Company: Consumer Adjustment Company Incorporated
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested documentation on this debt and the original contract with my signature. I was provided a loan agreement with another company and a digital signature. I sent this company a police report that I filed on XX/XX/XXXX along with a copy of the signed affidavit from the FTC. I also alerted this company that this debt did not belong to me and to immediately delete it from my credit report. To date, this company stated that they would place the account with the fraud department but has yet to do so. This debt that I do not own is still being reported on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: MO
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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: IN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23
Company: HYUNDAI CAPITAL AMERICA
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: Investigation took more than 30 days

Complaint:
I purchased a new XXXX XXXX XXXX from XXXX XXXX XXXX ( XXXX, Ga ) in XXXX. In XXXX I was informed to come in for a recall, they replaced the part on my car my car in XXXX. Since this time, I have been having constant issues with my engine burning oil irregular and causing my engine to stutter. Within this past year of XXXX XXXX, my car has been serviced over 6 occasions. I am part of National Engine Settlement against Kia and their defective motors. The engine settlement claim denied my initial XXXX in claims of maintenance because of the issue not being one of their supported issues. 

Since XX/XX/XXXX, XXXX XXXX has had my car in their service shop without providing a solution to fixing my car. XXXX XXXX XXXX XXXX has serviced my XXXX XXXX XXXX for the same matter and keeps saying they cant figure out why my engine keeps stalling out on me. Ive been told by many mechanics that this is due to my faulty engine from Kia ( A National issue ). Mechanics from XXXX XXXX ( XXXX  XXXX XXXX XXXX, GA ), XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX, XXXX XXXX ), and XXXX XXXX ( XXXX XXXX XXXX, GA ) just to name a few shops within this past year alone. ( Georgia ) Ive been told by the Service Technician and Mechanics to let my engine die out and then Come back to Kia with a claim for my engine locking up. Thats not fair to me as a customer.I need help disputing all charges for late payments since XXXX when these multiple charges for the same engine problem has affected my credit rating paying for car payments and multiple service visits at the same time. Along with rental car charges and inconvenience.

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 2018-05-07
Company: Siwell Inc
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I work at a XXXX XXXX  Rhode Island and this claim is being filed on behalf of a client. We were helping the client sell her property via a short sale. The complaint is against XXXX XXXX XXXX XXXX XXXX. Their phone number is XXXX You only have an option for XXXX XXXX XXXX. We went through the entire process with them and they went through their Mortgage Insurance Company who approved the short sale.

XXXX XXXX XXXX was the servicer. XXXX XXXX  is the Investor. After the MI Company and XXXX XXXX XXXX  were satisfied that our client deserved the short sale they directed me to XXXX, an online portal to work XXXX XXXX Short Sales. I have been working short sales with XXXX XXXX   since XX/XX/XXXX.

After going through the process my contact at XXXX XXXX said the short sale is approved and I could expect an approval letter from XXXX XXXX XXXX   within 5 business days. I was in constant contact with XXXX XXXX XXXX and I kept being told to expect the letter any day. This went on for 40 days. I finally got a call from a supervisor at XXXX XXXX XXXX  who said the MI company changed their mind. I contacted the MI who said they had not changed their mind. I escalated the matter with XXXX XXXX  who could not resolve the situation. Now there is a foreclosure date and our client wants the short sale approval that was promised so she will recover more quickly from this financial nightmare her ex-husband put her in. Any help would be greatly appreciated.

Please contact me for more information.

What would be a fair resolution to this issue?

For XXXX XXXX XXXX XXXX XXXX  to issue the Short Sale Approval as promised.

I want the CFPB to publish this description on consumerfinance.gov

Company response to consumer: Closed with explanation