BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-05
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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2019-06-19
Company: CHARLES SCHWAB CORPORATION, THE
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 was an unauthorized credit inquiry made on my credit file from Charles Schwab. On XX/XX/2019, a fraudulent account was opened with Charles Schwab. I contacted the company immediately advising that this account was not opened by myself. I requested to have the account closed and the credit inquiry removed from my credit file. I followed up with Charles Schwab on Monday XX/XX/2019, to advised that the credit inquiry was still on my credit file. I requested a copy of the letter that was sent to the credit reporting agency for the removal of the inquiry, the company advised that the letter could not be provided due to being an internal system that is used to submit the request. Charles Schwab advised to allow until XX/XX/2019, for the inquiry to be removed. It is now XX/XX/2019, and the inquiry remains on my credit file and no follow up has been completed by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

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his company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2020-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX is reporting a debt that I do not know. I do not owe XXXX XXXX XXXX XXXX anything. I have attached a receipt showing that this account is paid and I don't owe anything.

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 2021-10-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I talk to experian about a public record chapter XXXX on my credit file they say they got it from XXXX XXXX I talk to XXXX XXXX  XXXX they told me they dont have no records I disputed to experian like 4 times an they come back sayin verify by XXXX XXXX is a Lye I have prove am really tired of this this is causing money paying more interest for Everything hard life because of the error report false innacurate 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 explanation
Consumer complaint received 2023-11-07
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
Federal student loans are complete and utter robbery and violate the UDAAP regulations. The way that interest accrues and is charged is criminal. Banks would be fined and shut down for practices like this. I have loans that originated going back to XXXX or XXXX. My total borrowed was {$43000.00}. Before this XXXX payment, I had paid {$27000.00} in payments with a remaining balance of {$37000.00}. Make this make sense. One loan originated in XXXX for {$9300.00}. Repayments began in XXXX. The balances is now {$9900.00} after more than {$5500.00} in payments. In XX/XX/XXXX, the portion of my payment that was applied to this particular loan was {$78.00}. Guess how much was applied to principal?? {$1.00}. Read that again. {$1.00}. That is with an interest rate of 6.55 %. I have two consolidation loans with a rate of 4.875 %. The portion of my XX/XX/XXXX payment that was applied to them was {$130.00}. Again, guess how much was applied to principal?? {$8.00}. Less than {$10.00}. What kind of voodoo math makes 4.875 % of {$130.00} over {$120.00}?? At one point, I think in XXXX, I tried to get those two consolidation loans amortized for a shorter period so that more of my payment would be applied to the principal. They came back and said I couldn't, but just simply making the request caused the 25 year repayment plan to START OVER. Even less was being applied to principal. My complaint is not against my servicer. It is against the government for violating UDAAP, stealing money, and using student loans as a mechanism to keep people in debt. I have attached screenshots which show my XX/XX/XXXX payment details, a possible 10 year amortization schedue, and a printout of all of my student loan details.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted this company several times to get 3 fraud accounts that are due to identity theft blocked from my file and they havent done anything but continue to place the items under dispute. THIS IS MY LAST AND FINAL ATTEMPT TO GET THIS DONE WITHOUT GOING THROUGH THE COURTS AND SUEING FOR EMOTIONAL DISTRESS AND XXXX. They are continuing to break FCRA LAWS. I have attached all my personal documents along with an VALID AND COMPLETE FTC REPORT THAT LISTS ALL 3 accounts that needs to be processed within 4 business days. My COVER LETTER my IDENTIFICATION CARD, my SOCIAL SECURITY CARD AND MY FTC ARE ALL ATTACHED TO THIS COMPLIANT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I had been struggling with Identity Theft for over a year, so I contacted XXXX XXXX to help me. They set-up an Escrow Account & contacted all my Creditors & started paying off some of my debts after negotiating new terms with them. This was really taking a long time, so I decided to refinance my house to finish off paying these debts. XXXX XXXX XXXX  contacted XXXX XXXX to get the negotiated terms with the Creditors & after closing on my Mortgage, XXXX XXXX XXXX paid off most of my debt. XXXX XXXX had been paying XXXX XXXX  for XXXX time & the balance was down to {$6600.00} which was paid to XXXX XXXX with Check Number XXXX dated XX/XX/XXXX & cashed on XX/XX/XXXX. On XX/XX/XXXX I received my updated Credit Reports. Much to my dismay, my XXXX report showed that XXXX XXXX was still reporting my account ( closed on XX/XX/XXXX ) as Delinquent with a Balance Due of {$8400.00} past due. My XXXX Credit Card XXXX XXXX XXXX XXXX had an {$8000.00} XXXX XXXX which I never requested increased. So when my Balance showed {$16000.00}, I called XXXX XXXX  XXXX asked them how my {$8000.00} Credit Limit Credit Card got to {$16000.00} & they couldn't tell me! Well, it was FRAUD & I told them so, I refused to make any more payments. Over the past 18 months I have made several DISPUTES with XXXX XXXX  & they continue to demand payment & send my account to several different Collection Agencies. I contacted the Collection Agencies & told them about the FRAUD & they sent the account back to XXXX XXXX because they can't collect on FRAUD. Each month XXXX XXXX  reports my account as Delinquent to the 3 Credit Bureaus & is messing with my Credit Score when they were PAID IN FULL for the remaining Balance on my account. XXXX XXXX  keeps hounding me & destroying my Credit Rating while trying to collect {$8400.00} " past due ''. I am tired of this XXXX from XXXX Bank denying they were paid! So many DISPUTES were filed over the past 15 months all with negative results. I contacted XXXX XXXX XXXX  & asked for their help. XXXX XXXX, Senior Mortgage Advisor & I did a conference call with XXXX XXXX  trying to help me resolve this, but like all the previous calls I made with XXXX Bank, NOTHING WAS RESOLVED!! So I am hoping the CFPB can straighten out XXXX XXXX! I don't owe them anything!!! I want my XXXX XXXX repaired! XXXX XXXX  has been falsely reporting me as delinquent for 15 months.

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 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Bank account # XXXX, XXXX Bank account # XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX  XXXX account XXXX XXXX, and XXXX XXXX XXXX account XXXX 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 : It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2023-07-23
Company: Experian Information Solutions Inc.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-02-10
Company: HYUNDAI CAPITAL AMERICA
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I refinanced my car with XXXX XXXX Credit Union on XXXX. They sent a check to Hyundai Motor Finance to pay off my loan and the check was cashed on XXXX. XXXX claims that they can not locate the payment made and that there is nothing they can do. 

I have contact Hyundai four times since XXXX to get the issue resolved. 

Today was my fourth attempt to resolve this with XXXX and I was on the phone for over forty minutes and was still told there was nothing they can do.

This check was over nighted to Hyundai and cashed, it had all the proper documentation and was for the final pay off amount of {$13000.00}. 

I have my new payment set to come out of my account on XXXX. I also have a payment with Hyundai still set to come out on the same date. That will be over {$800.00}. If I remove my payments with Hyundai I will have negative marks on my credit report but, if I don't pay on my due date, they will take out a payment that is not owed.

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 2020-04-07
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2020 - My Mother-in-Law was hospitalized in XXXX with a rather life threatening condition. The private hospital where we sent her asked for a credit card before they would release her. My wife gave out her Discover card number only as a pre-authorization. The hospital initially said that they would not even take the card as it was not a card recognized in XXXX. 

Upon releasing my wife from the hospital we arranged payment for the bill by alternate means. We had money wired directly from another bank. I immediately called Discover customer service to have the hold on our account released. The amount was showing up as a pending charge for around {$7600.00}. 

The first agent was very unhelpful and routed it as fraud, not explaining the situation correctly. This revealed a lack of training. I had the card cancelled not knowing that since a hold had already been placed for {$7600.00}, it would not matter. This will put us through an inconvenience as we had several accounts set to auto-pay with that card. Then after several more escalations to different agents and management, I was told that they could do nothing for me and I would just have to wait to see if the hospital did not reverse the charge. And they would not let me start a billing dispute either. 

Finally the last person I spoke with ( a manager named XXXX ) refused to even give me a email where I could reach them with further documentation that the bill had already been paid. This person used dishonest tactics to just try and get rid of me. I explained multiple times to multiple people that we had arranged payment for the hospital bill by alternate means but as of today XX/XX/2020 the pending charge for around {$7600.00} is still on my card. 

Discover financial also seems to have very poor customer service technology as several calls had to be dropped due to poor quality, leading to me having to call back multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: ALLY FINANCIAL 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: Account information incorrect

Complaint:
Ally Financial This Bank is reporting on my record that the loan is a charge off it is also reporting that I have a past due on my record. This account was settled it was a vehicle in accident and was paid by the insurance agency. So this is an inaccuracy on my report and should be removed immediately. I have sent several letters to all 3 credit bureau and I am not getting any results this is causing a major problem.

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 2023-08-29
Company: SYNCHRONY FINANCIAL
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
When using Paypal Credit, no interest for 6 months promotions on purchases over {$99.00}. 
" Amount to avoid Standard and Deferred Interest '' is not detailed anywhere. It is difficult, if not impossible, to know how your payments are being applied to these balances, and which purchase balances are still outstanding.

When you look at your account online or the statements, these do not show the outstanding charges or balances for each promotional purchase. When you call Paypal to ask, the agents are also unable to tell you these details. 

If you miss paying off a balance in full, these balances are hidden from you online and in the statements. You can not determine which balances are remaining. 

It is extremely difficult to manage paying off the balances resulting in interest charges being charged to your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: Experian Information Solutions Inc.
State: AZ
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:
On XX/XX/XXXX ; I had agreed to an auto refinance for my then XXXX XXXX XXXX. The company that solicited me the refinance offer was called XXXX and they had assigned the loan to a company called XXXX XXXX XXXX. Issues with the loan refinance arose after it was assigned to XXXX. XXXX never filed for a new Arizona auto title, and never perfected the lien on the vehicle. About a month later, I recieved the previous title that was cleared of any liens. I had verified with the state of Arizona Department of Transportation Motor Vehicle Division that no lien was placed by XXXX. I attempted to speak with XXXX customer service about the huge issue with the title and was ignored. At one point I was threatened with reposession despite XXXX not having legal ownership via a perfected lien. Eventually, I had enough and sold the vehicle to a local dealer which had no issue transferring the title. XXXX then charged off the loan and marked it as a reposession despite no reposession ever taking place. They placed on my credit bureau this reposession that doesnt exist. XXXX by their failures with this loan has not only destroyed my credit, it has caused emotional distress and 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 2020-04-07
Company: Better Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have been in the process of refinancing with Better Mortgage. My wife has a XXXX  XXXX  that is pending renewal and in the meantime USCIS provided an XXXX form extending the XXXX  XXXX  validity for 18 months. Better Mortgage refuses to accept this LEGAL GOVERNMENT form as proof of legal residency status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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, Transunion, and XXXX show this closed accounts as having new missed payments every month. 

XXXX XXXX XXXX XXXX, {$5400.00}, Paid, closed - XXXX charge-offs This account was closed and charged off years ago. 

It is not an open account, and should not be reported as having new missed payments every month. 

This is a violation of my consumer rights and an unfair credit reporting practice that prevents me from obtaining new credit accounts and purchasing a home, even though I have no missed or late payments and otherwise very good credit worthiness.

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 2022-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello, it has been brought to my attention that CFPG has found that Bank of America was in violation of the law for processing illegal, out-of-state garnishment orders against customers bank accounts and that is exactly what has happened to me. I am inquiring to find out what my rights are and how I can request that these illegally seized funds can be lawfully returned to me. Please provide me with any direction/guidance as to how to proceed to ensure that my case is considered and included in this case. 

Thanks so much, XXXX XXXX Washington XXXX DC

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