BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/2022 I discovered hard inquiries on my XXXX, XXXX, and Transunion credit reports. The following institutions had requested my credit information from the following credit bureaus : Transunion : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX : XXXX XXXX  ( twice ), XXXX XXXX XXXX XXXX I do not recognize these institutions, nor have I applied for any product with them, especially XXXX that would require my credit information. 

I called XXXX XXXX XXXX XXXX. They claimed they had no record of my information or a request for a financial product in their system. I asked them to then correct the hard inquiry. I was told they can not fix the hard inquiry because there is no record of an application containing my social security number. 

I called XXXX XXXX XXXX, but the number listed with the hard inquiry on my credit report was not a valid number. 

I called XXXX XXXX, but they, ike XXXX XXXX XXXX XXXX, claimed they had no record of my information or a request for a financial product with my social security number attached to it, in their system. 

XXXX does not provide an option to file an online dispute against hard inquiries. I called XXXX 's phone line but could not get a live a representative. I called their corporate office for help, but was repeatedly transferred to the same line that did not provide a live person to talk to. After numerous calls to get help, I reached a man named XXXX who said that XXXX had no responsibility to remove the hard inquiry or do an investigation around it, and suggested I go directly to the creditor, by mail, and have it removed. However, he could not give me any instructions on how or where to contact the creditors to get the hard inquiries removed. 

Transunion does not provide an option to file an online dispute against hard inquiries. I completed an online chat with Transunion, and the representatitive insisted that I have to go to the creditor whom placed the hard inquiry to get it removed. I explained what had transpired when I contacted the institutions to have them remove the inquiry, but XXXX insisted that it was not Transunion 's responsibility to remove it or even verify that the request for my credit information was a valid request. 

I was able to file an online dispute with XXXX regarding XXXX XXXX XXXX. I have yet to hear back from 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 explanation
Consumer complaint received 2017-11-21
Company: BANK OF THE WEST
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have an auto loan with Bank of the West. In order to pay extra on my principal, I obtained envelopes from them that are addressed " BANK OF THE WEST, LOAN SERVICING-PRINCIPAL PAYMENT ''. On several occasions, my additional payment for principal only has had interest charged on it. They always correct it, when I contact them. However, I believe this is a practice of theirs, in which they do n't expect the borrower to catch them. I have made approximately 15 extra payments since I obtained the loan a year ago. Of those 15, about 8 have had interest charged.

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 2023-01-20
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/XXXX I received an experience credit monitoring email and a XXXX XXXX  credit monitoring email that a change was made to my report. I was sitting at home, on a Saturday afternoon, watching tv. So I opened the emails and investigated what had changed to my credit report. Someone used my name, social security number and information to try and open a credit card by XXXX XXXX, address XXXX XXXX XXXX, XXXX, Ohio XXXX XXXX I researched the address and name and found out it was an XXXX credit card that someone tried to apply for. The change in my report was due to a hard inquiry which in turn dropped my score and the information provided by Experian stated the inquiry would remain on my credit file until XXXX of XXXX. I did not attempt to open this account and did not shop at XXXX online or in store on XX/XX/XXXX and would like this inquiry removed from my credit. I have opened a fraud alert across all of my credit accounts and require to see an ID when anyone performs a credit check on me.

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 2022-03-25
Company: Lockhart, Morris & Montgomery Inc.
State: MD
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:
On XX/XX/2021 LOCKHART, MORRIS & MONT, added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was tranferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there is NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, LOCKHART, MORRIS & MONT, has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: Tribal Lending Enterprise, Inc.
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I took out a loan for {$900.00} on XX/XX/XXXX To date I have paid {$1600.00} My account shows my balance as of XX/XX/XXXX to still be {$810.00} I have paid well over what I borrowed and believe that the interest rate and amount owed on the loan are not reasonable.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I was trying to modify my mortgage because my wife and I lost some income. Wells Fargo denied us a modification and we had to short sell our home because we could not afford the payment anymore. We paid {$560000.00} for the house and had to sell it for XXXX to avoid foreclosure.

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 2022-03-25
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to Loan Care several years ago. After the COVID pandemic, Loan Care mailed me documents to facilitate lowering my monthly mortgage payment through a program they call a Flex Modification. I called Loan Care and told the representative that I accept the Flex Modification offer. I then set up automatic payments in the new monthly payment amount to Loan Care from my credit union account. After 3 monthly payments were received by Loan Care, I received a notice from Loan Care demanding that I pay the last 3 mortgage payments plus the next month 's payment to avoid foreclosure on my home. When I called Loan Care to find out why all my payments were ignored, the representative stated that each of my mortgage payments were XXXX cents short. For XXXX cents, they are threatening to take the only house I've ever lived in. I have called them multiple times, yet they claim that my poor eyesight that couldn't distinguish between a XXXX and an XXXX makes no difference to them. Now they are demanding all 4 payments to be sent to them yet they refuse to credit my account for the 3 payments they received from me that were each XXXX cents short. 
Please provide any guidance you can to help me save my home of XXXX years. Thank you.

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 2023-04-24
Company: Experian Information Solutions Inc.
State: SC
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, has violated my rights. 


15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( XXXX ) that the information may be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. 

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 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 explanation
Consumer complaint received 2022-03-25
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I enrolled in a Marcus Bank ( by Goldman Sachs ) promotion on XX/XX/XXXX that, depositing {$10000.00} into my online savings account for 90 days and getting a {$100.00} bonus. I originally had {$5000.00} in that account before the new deposit and had set up a recurring transfer the {$5000.00} out and in to keep the account active. I never withdraw the {$10000.00} new money that I deposited on XX/XX/XXXX, and my account balance never fell below {$10000.00}. However, today the Marcus Bank representative told me because I moved the original {$5000.00} ( that's not related to the {$10000.00} new money ) in and out, I lost the promotion. That's unfair because I never touched the {$10000.00} new fund, I only moved the {$5000.00} that's already been in the account long before the new deposit happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Fraudulent inquiries and inaccurate account information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-21
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
My son is XXXXyears old and was gifted {$600.00} via a US Bank Check from a US Bank Customer. I am not a US Bank customer nor is my son. We went to the local branch of US Bank at XXXX XXXX XXXX XXXX, XXXX XXXX California ( XXXX ) XXXX. My son arrived with the check and his United States Issued Passport as Identification. The Bank refused to cash his US Bank check stating he was a minor. They told him he had to open an account with them to get his money. I went in to speak with them stating the scenario that it is a customer issued US Bank Check and my son has a valid US issued picture ID. They would not budge. I escalated to a manager and she would not budge. We had to depart without obtaining our funds.

I called the Corporate Customer Service line and was essentially told by the representative that it is at Manager 's discretion ; but he believes the manager handled it wrong and should have cashed the check because my son had a passport. 

Both branch employees were very rude and arrogant to my son and I did not care when I stated that I would file a complaint with the CFPB.

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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to complain to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint are XXXX and XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

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 2019-10-08
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been waiting approximately 4 months to get an answer back from FedLoan Servicing when I requested that they recalculate my payments dating back to XXXX. The reason I made this request was because I would be eligible for public service loan forgiveness in XXXX. I have never missed a payment and have been on a qualifying payment plan the whole time. I was told that one of the two of my loans would be eligible in XXXX and the other would not be until XXXX. They said they would go back and review my payments and I never heard back, this was 4 months ago. 

My other complaint is that I got notification XX/XX/XXXX that I no longer qualify for the Income Based payment plan and that I had to apply for the Repay as you Earn plan ( Making me still eligible for student loan forgiveness ) I did all of this, submitted my documents immediately, and gave FedLoan immediate access to my tax records. On XX/XX/XXXX I received a letter stating that for now I am on a standard payment plan ( not eligible for loan forgiveness ) until I can get on the REPAY plan. I asked how long this process would take and was told two months. I verified with the customer service rep that for two months my payments would not be applied to my loan forgives and they told me that was correct. I spoke with that persons supervisor ( ID : XXXX ) who told me the same thing. I asked, so essentially Im being penalized because it takes your company that long to process loan transfers and was told that was correct and they would try to put in an expedited request. I asked if I would be receiving verification of this request and was told to just call back. 

Consumers should not be penalized because the servicer takes two months to transfer loans therefore delaying public service loan forgiveness. I would like to know how long this has been going on with my loans throughout the 8 years Ive been paying them back. Im sure there are other consumers that dont even realize that this is happening to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX, XXXX North Carolina, started reporting an old debt that I originally was not able to pay starting in XX/XX/XXXX. On my credit report they closed the original account in XX/XX/XXXX and re-opened another in the same month, placed it on my credit report and began reporting as a charge off every month since XX/XX/XXXX. XXXX has not conducted a thorough investigation to conclude that what the company is reporting is accurate and correct. As of today XXXX they have hit my credit again dropping it by XXXX points. This was incurred over 7 years ago, I kindly and plead with the CFPB to force Equifax to do a thorough investigation and remove this account from my credit report. As of today, XXXX XXXX has changed all of the charges they had on the account with XXXX XXXX and current update as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citi bank blocked my account since XX/XX/XXXX with XXXX $ and they closed my account with no explanation I called them 100 time send email and even went personal top the branch but no one is telling me the reason why my account was closed or where is my money. I called again today and they told me my money was sent to a XXXX and then hang up on me. it's been 94 day since they blocked my account and no access to my money.

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 monetary relief
Consumer complaint received 2023-03-11
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 # 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 a 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 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 2022-03-25
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXXXXXX XXXX shouldn't be reporting on my credit report as they haven't submitted validation of that. They have also stated that this be removed off of my credit report. XXXX and XXXX has removed it but Equifax is still reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Hello, Thank you for your service. I don't know how to prove that I've paid this loan. 

I took out a {$1500.00} installment loan from Cash Central onXX/XX/2016 and paid it off on XX/XX/2016. They didn't contact me to state otherwise so I thought it was okay. 

However, I now find out that its on my credit report causing my score to drop. I can't pay what they are expecting as it's {$5600.00} with an annual interest rate of 239.29 % as I only make $ XXXX/year as a XXXX. When I call to ask about why they never contact me or how to resolve it, they tell me to pay it or they will prosecute me. I don't know what to do and the account # XXXX XXXX with the company name listed as Cash Central of Wisconsin , LLC XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX Phone : XXXX XXXX Any assistance or advice is greatly appreciated. I was in some financial trouble when I took out these loans and have paid {$5000.00} already in interest to Cash Central. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1800.00} XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2900.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX CO XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 non-monetary relief