BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Ive attempted to resolve the issue of misleading accounts that I didnt authorize on my consumer report. I am aware of my rights and credit report agency should not be reporting inaccurate information. Please see attached letter of my dispute 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 non-monetary relief
Consumer complaint received 2022-09-09
Company: EdFinancial Services
State: KS
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:
On XX/XX/XXXX I had contacted XXXX student loan servicing to request a refund on my student loan payments starting from XX/XX/XXXX to the present day of the call. Under XXXX XXXX I should be elegible for the refund of those payments. However, I did not receive confirmation of the request, nor in electronic form or in writing. In called back again today XX/XX/XXXX and received information that my request was processing simply by oral confirmation through the phone. I still requested confirmation in writing that my request is in process, they however declined to provide such proof. Furthermore, the current balance on my account does not reflect that a request has been made. Through my communication with XXXX, they expressed that a refund check would take more than 6 months, however, the statement on my account should reflect the balance after a refund at this point, which is not the case

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In the year 2009 my business income volume decreased almost 75 % I was diagnosed with a XXXX due to all the financial difficulties, at the same time my husband fell ill and had to go under XXXX XXXX and we had to live on credit cards to be able to make ends meet. My credit got overextended and we where not able to afford the terms on the credit cards and also it caused to default on the mortgage monthly payment. We requested a short sale and placed our property on the market for almost 6 months and have shown the property numerous times with no luck. Because my income has dropped considerably I can no longer afford the terms of the original loan and as a loyal customer I 'd like to ask for an affordable loan modification to real market value and a lower interest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I told XXXX, Experian, and XXXX  that someone had stolen my purse and belongings from the above listed place of business in the lobby waiting area some years back and I asked XXXX, Experian, and XXXX  to block the information and they refused to remove all of the fraudulent accounts. I was unaware that they used my information to open accounts and made inquiries on my credit report until recently.

Where I'm from, I was never really taught anything about credit until recently so I never had a reason to check my credit report. So now that I've checked it I've come to the realization that due to my belongings being stolen I became a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XX/XX/XXXX - {$3500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$2000.00} XXXX XXXX XX/XX/XXXX - {$3500.00} XXXX XXXX XX/XX/XXXX - {$2000.00} XXXX XXXX XXXX XX/XX/XXXX - {$11000.00} XXXX   XXXX XXXX ( XXXX  ) - XX/XX/XXXX - {$350.00} XXXX XXXX XXXX ( MEDICAL ) - XXXX XXXX  XX/XX/XXXX - {$160.00} INQUIRIES : XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX , XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry from 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 2021-05-28
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My complaint is that I am owed {$120.00} from BMO Harris Bank. Here are the facts : BMO Harris Bank Corporate Headquarters XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX x XXXX XXXX Loan Numbers : Old XXXX XXXX ( purged system ) I purchased my current residence ( XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ) in XXXX of XXXX Financing was through BMO XXXX XXXX loan # XXXX ). 
I refinanced this loan in XX/XX/XXXX. XXXX for a more favorable interest rate. 
After the closing I received a letter from BMO-Harris stating there was a balance in my BMO escrow account of {$120.00}. I called my bank about it, and was told I'd be receiving a check within XXXX days. 

First Call : When I had not received my balance due by XX/XX/XXXX I called BMO Harris XXXX XXXX ] and spoke to XXXX XXXX employees are not allowed to give out last names. ) XXXX informed me that on XX/XX/XXXX BMO-Harris issued check # XXXX and sent to my address. When I told her I never received it, she stated the check would be stopped and reissued. The process was to take approximate 10 days. 

Second Call : On XX/XX/XXXX I called again and spoke to XXXX of Customer Service. She confirmed that the check had been stopped, but it was to be reissued on XX/XX/XXXX and I should receive it by XX/XX/XXXX. I also spoke to a supervisor ( XXXX ) who promised to call me to insured I received the check. 

Third Call : " XXXX '' XXXX of BMO Harris XXXX called on XX/XX/XXXX. I told her I had not received my check. She expressed surprise and told me she would look into the matter. 

Fourth Call : I called on XX/XX/XXXX and spoke to XXXX of Customer Service ( BMO XXXX XXXX. I asked to either see a copy of cancelled check or for them to send me my check. She asked me to wait and give it a few more days. I should have it by XX/XX/XXXX. 

Fifth Call : I called on XX/XX/XXXX, and spoke to XXXX. She verified my current address. I was told the check was in the purged system and a new check is being prepared. It was to be sent by 2 day air on XX/XX/XXXX and be placed in my hand by XX/XX/XXXX. 

As of XX/XX/XXXX I still have not received this check.

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 2022-09-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
CFPB + Experian, This complaint is in relation to a credit account this creditor XXXX XXXX XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.

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 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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  {$3700.00} XXXX XXXX {$2100.00} XXXX {$220.00} Added XX/XX/XXXX Company was contacted by attorney for payment settlement offer and respones exceeded the insurance for pay out. Case opened XX/XX/XXXX & XX/XX/XXXX. Settlement with Insurance company was on XX/XX/XXXX. My attorney contacted XXXX XXXX, XXXX ( XXXX XXXX ) numerous times to no avail. I directed them back to my attorney and have since received numerous calls at all hours of the day. 

US Department of EducationXXXX {$53000.00} Added XX/XX/XXXX Company was contacted about student loan forgiveness application being submitted. They steadily increase the interest which has risen from {$33000.00} to {$53000.00}. Case Opened XX/XX/XXXX. Institution closed down citing financial challenges and accreditation issues. No transfer of credits. Student Loan debt clean. 

In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXX, XXXX and US Dept. of EducationXXXX have violated my rights. 

15 U.S.C1681 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 an account 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 2021-05-28
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:
Since XX/XX/2021 I paid my XXXX XXXX XXXX payment card in full. The balance was {$3700.00}. Both XXXX and XXXX show the account closed by consumer, and paid in full which is correct. 

TransUnion however, still shows {$3700.00} - I have contacted XXXX XXXX AND TransUnion to have the account information brought current. I asked XXXX Bank today to send a record update over to TransUnion, whereby the customer service representative stated it will take 30 days to have this processed. He was very courteous but I explained I can't wait 30 more days.

I have already waited 40 days, to add another 30 days, makes it 70 days or almost three months, which is a quarter of a year. 

The issue is, I am refinancing my property, this balance of {$3700.00} / {$7200.00} credit line can be considered high utilization, and a negative factor in my FICO score calculation. Even if it is a closed account, the credit reporting agencies add the credit line to my total credit lines available and use it to calculate the debt ratio of all balances of all accounts.

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 2022-04-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.al inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
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 is missing that should be on the report

Complaint:
There are many mistakes appear in my report without my understanding.

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 2023-03-20
Company: Credit Adjustment Services of Harrisburg, Inc
State: IN
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:
Credit Adjustment Services of Harrisburgh INC. dab Cash-Pro INC. has Falsely reported a trade-in on my credit report. They are a third-party Debt collector, who have violated my rights under the FDCPA. They were given my personal information under false pretenses and has now damaged my credit report. I Feel ashamed and personally violated that they would commit such act against me and my reputation. I demand that they delete the trade-in that furnished on my credit report immediately or I will take action to sue them under FDCPA. they are demanding I pay them immediately as if I ever done any type of business with their company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: Old Union Financial, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
An email was sent to FOUR random people that my husband or I are not affiliated with. It has included our names and physical address along with our account number and outstanding balance. This is very upsetting. We are identity theft victims and for this guy just to do is is violating our privacy act. 
When contacting people that you assume that are in connection to the party personal information is not to be given other than you have them relay a message. 
This is the second time this company has done this. The first time was the application that included absolutely all ( social, dob, address ) of my  husbands information and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Called number for EQUIFAX provided to me today. 
Have been on hold 1 1/2 hours now. 
What I do get, as CFPB knows from it 's audit calls to the number CFPB provides the public, is marketing efforts while " on hold. '' I have gotten free annual credit report from two of the three - but EQUIFAX now says to request in writing ; I.e., introduce mail risk into the mix. 
How do I get free annual credit report from EQUIFAX? 
EQUIFAX runs one through process - entering SSN twice, etc. - then says " try again later. '' Have placed freeze with other two. 
How do I get credit freeze applied at EQUIFAX? 

Does CFPB brochure describing the credit system controlled by these three? 

If not, can CFPB direct consumers to an source for an explanations?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: ONLINE Information Services, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company sent me to collections but I have no debts with anyone at this time. There was no attempt to contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
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:
I've been having this problem with Equifax for quite some time now, my credit score is a XXXX, they keep putting the same fraudulent accounts on my credit report even after having official documentation, Identity Theft Id # along with police records showing proof that the accounts does not belong to me, I missed one payment over a year ago due to being out of state for a funeral, paid it within days of due date and every week Equifax is still removing 50 plus points at at time, and claiming it's still for the one late payment, after speaking with a representative yesterday, not even 10 mins after the call he removes XXXX points off of my score. I mean at some point in time, in this lifetime somewhere it has to become a fair process for the consumers, it almost like modern-day slavery, you can't even get what you earned and have worked hard for, and you can't even have a conversation with the companies to rectify the problems in a professional matter, they will just go and remove points for unnecessary reason, I need help with this, I applied for auto loan and because of Equifax scores not being accurate and incorrect information on my credit report, This isn't fair, I work hard to pay bills and keep a healthy credit report and I deserve protection just like anyone else, this isn't my first time reporting Equifax to you guys, please help me with some real-life solutions and results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: JPMORGAN CHASE & CO.
State: VA
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 a credit card account with Chase bank. I received a letter this month that they were dropping my credit line by {$3300.00} due to a number of factors. This would push utilization from 70 % to 97 %. I was shocked, I have had this card for XXXX years. I have had zero late payments, except last month, when I got sick and paid 4 days late. My bill was due on the XXXX and I paid it on the XXXX. 

I called to dispute this and they explained that due to that late payment and because I had high utilization on other cards they had decided to reduce my credit line by {$3300.00}. I requested that they reverse this, explained that I had only made one late payment which they reversed, that according to them I had XXXX credit score ( it was in the letter ) and pointed out that because of this now I had gone from a utilization of 70 % on this card to 97 % that this would adversely effect me. They refused to reverse this change, and said I could reapply for the credit but they would be required to do a hard pull of my credit... When I suggested that it might be because of my XXXX name they became upset and said they would have to transfer my call as they couldn't handle me " playing the race card '', but it is hard to believe that most people would be treated this way for one late payment of 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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. 


Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXXXXXX XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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 2022-12-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I used XXXX to send my rent money to my landlord, but he never received it. 
I went to both banks involved in person and brought my landlord with me. 
I was advised to file a police report which I did. 
Chase Bank acknowledged their errors and stated the money went into a wrong account, but could not retrieve the money without a lawsuit. I was unable to get a lawyer. 
Attached are my statements from my account at XXXX  XXXX XXXX and the Police Report.

Company response to consumer: Closed with explanation