BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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 XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX 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 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 2023-01-18
Company: Advance America, Cash Advance Centers, Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
In response to the company response regarding complaint number XXXX, theyll receive notice via certified mail regarding the fraud in which theyve chosen to uphold at Advance America . Theres no such thing as XXXX XXXX XXXX XXXX which is necromancy, therefore they failed to state whether or not they are referring to a person or Natural Living Man. Theyve also refused to answer the question as to what language are they speaking in because they are aware that they are committing fraud by converting Men and Women into Corporate Legal Fictions. 

Theyve also refused to admit that its against the law to deny Man or Woman their own credit, therefore when employees of Advance America denies Man or Woman their credits, Advance America is stealing and extorting that Man or Woman of their life, liberty, enjoyment and pursuit of happiness to provide for themselves. Advance America conspires with other financial institutions such as consumer reporting agencies for financial gain which is a conflict of interest.

Advance America must answer the following questions : is Advance America the member of the XXXX XXXX XXXX Is Advance America ran, operated by Bar Members? Is Advance America the financial instrument which is in fact the instrument of the bar association via XXXX XXXX XXXX 

I look forward to receiving these responses post haste.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have unconfirmed inquiry lacking certifiable evidence I would like them to be removed please. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Credit Karma, LLC
State: OH
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:
This past year I had to claim bankruptcy so I went on Credit Karma to see what secured credit cards they suggested. I got a card with XXXX XXXXXX/XX/XXXX by giving them a XXXX dollar security and a XXXX fee. As soon as I received my card I registered it on line and immediately paid the XXXX fee. That was on XXXX XXXX. Than I started using the card and sent in an additional 2 payments. There was a first payment due date of XXXX XXXX for XXXX and I made a total of 3 payments before that date, trying to raise my credit score. The 1st payment was on XXXX XXXX to pay the fee, than I used the card for purchases and made another payment for XXXX on XXXX XXXX, and then used the card again and made a 3rd payment of XXXX on XXXX XXXX. After that payment I was not going to use for awhile until I could see if it was raising my score. When I went on Credit Karma I seen my score DROPPED 103 POINTS! I was so upset I logged on to XXXX XXXX XX/XX/XXXX to see what was going on and they charged me a XXXX late fee. I called them all upset wanting an explanation and they said they will remove the fee but could only do it once. I got upset and told them I was more worried about my credit score and wanted it fixed. They said no, that their information was right so I filed a claim with the XX/XX/XXXXand they ( XXXX XXXX ) referred me to you. I have my bank statements to prove XXXX XXXX is lying and taking advantage of people I low places that are trying to get their lives together and start over. XXXX XXXX XX/XX/XXXX is in the the business of making money off of low income people. I also believe that credit Karma is responsible also, and should also be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: CONDOR CAPITAL CORP
State: MA
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:
How are you doing? Can you please help me? During this Covid-19 I been reviewing my credit report, and I was shocked when I reviewed my credit report and found late payment on the dates below XX/XX/2014 for 30 days late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. 

CONDOR CAPTL XX/XX/2014 2014

Company response to consumer: Untimely response
Consumer complaint received 2023-03-10
Company: ALLY FINANCIAL INC.
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I received a check payable to XXXX XXXX XXXX a trade name I have on my law practice letterhead. I tried to mobile deposit it to my personal Ally Bank checking account. The bank rejected its deposit saying it was for a business and that they didn't offer business accounts. I told them that I was a sole proprietor and that I'd like it deposited to my personal account since I didn't have a business account. The service rep suggested mailing it to their XXXX office for check processing and to include anything I had that could prove my association with XXXX  XXXX XXXX. I did that but heard nothing for more than a couple of weeks or so. I then reached out to them only to find that they had actually cashed my check. They then refused to deposit the money into my account opting instead to issue me a check again payable to XXXX  XXXX XXXX, which essentially eliminated any chance of my going back to the original drafter of the original check for a replacement. In essence, the stole my check, deposited the funds into their own account and kept me in the dark about what they had done. I then opened an actual business account with XXXXXXXX XXXX XXXX tried to deposit the " Official '' Ally Bank that they sent me to my XXXX XXXX XXXX bank account with XXXX. XXXX rejected the check on the grounds that it wasn't formatted correctly. They wouldn't say exactly what the problem was but after a little digging it appears to be a problem with XXXX compliance. 

All I want is my {$560.00} deposited to my account with Ally Bank. I've spent hours on the phone with their various representatives/supervisors and seem no closer to a resolution.

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 2022-10-17
Company: Kashable LLC
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: Account status incorrect

Complaint:
Here 's a recap on what happened : On XX/XX/XXXX, I called and spoke to a support specialist about making payments to loan : # XXXX, I asked about adjusting my payments to $ XXXX. The specialist sent me an ACH agreement which I signed. On XX/XX/XXXX, I noticed that my account had been reported as delinquent. I have authorized a payment of {$2400.00} to bring my account current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
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: Information belongs to someone else

Complaint:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

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 2023-10-25
Company: Experian Information Solutions Inc.
State: SC
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: Investigation took more than 30 days

Complaint:
I requested an investigation from Experian on XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, and XXXX/XXXX I this investigation I requested the validation of the following accounts. 

1. Please explain your method of validation for these late payments and because I do not remember ever being late on this account. 
XXXX XXXX  Account Number : XXXX If you are unable to prove these payments were late, I request these late payment be removed and the account be updated to current and paid on time. 
XXXX. In the previous letter I requested your method of validation. You have failed to provide your validation which tells you did not complete a re-investigation. 
XXXX Account Number : XXXX Since you have failed to do your due diligence and ignored my request, I am now requesting this account be deleted immediately. 
XXXX. In the previous letter I requested your method of validation. You have failed to provide your validation which tells you did not complete a re-investigation. 
XXXX XXXX XXXX Account Number : XXXX Since you have failed to do your due diligence and ignored my request, I am now requesting this account be deleted immediately. 
XXXX. As I stated in my last letter please validate this account belongs to me by providing an original document bearing my signature. 
XXXX XXXX XXXX Account Number : XXXX If you are unable to validate this account belongs to me by providing an original document with my signature, please delete this account immediately. 

To this day, Experian has not provided any validating documents and the accounts are still reporting as they originally were. This is a violation of the FCRA

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 2023-01-17
Company: DISCOVER BANK
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: Credit inquiries on your report that you don't recognize

Complaint:
I applied for a HELOC account in XX/XX/XXXX over the phone and they pulled my credit report. On XX/XX/XXXX, I used the only email sent to me by Discover to start loading documents but it only allowed me to enter the same personal info that I shared over the phone in XXXX Once complete, I hit submit and Discover then pulled another hard credit bureau while I already had an open application with them. The email they sent should have informed me that I already have an application but it did not and it pulled a XXXX credit inquiry when it was not necessary. I called Discover and they cancelled the XXXX application but this seems to be a harmful practice for consumers. I find myself to be a savvy consumer and this deceptive practice has probably impacted many other consumers as they are pulling a new credit inquiry when the consumer doesnt understand or want that XXXX pull.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Good evening, Please delete the XXXX account from my credit report. All the information displayed on all 3 reports is different. The company address does not match on each credit. In some cases the address does not match the company. The comments are different and the dates listed are different. As well the amounts listed are different. How does the information come back as verified if all the information is different on all reports. What is being verified? The information has been disputed several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: Experian Information Solutions Inc.
State: OK
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:
Started receiving letters and phone calls from car dealerships about loans over the past few weeks. Initial thought was these where just scam phone calls but after we looked at my credit score there have been multiple hard inquirers on my credit and in my name over the past month. When we looked at my credit report there is also alternative names and addresses on file that don't belong to me. My credit score has also dropped due to these inquirers. We have frozen my credit on all 3 companies and now want to know what the next step is for me to make sure no loans were taken out in my name, find out how to my information got out and how to protect it going forward, and how to get my credit score back to where it was before.

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 2019-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 notified all 3 credit reporting agencies ( XXXX, TransUnion and XXXX ) that the Chapter XXXX Bankruptcy was an error starting with the court. My husband filed for a joint Chapter XXXX but I asked to be dismissed at the meeting of the creditors. The trustee agreed to remove me and allow my husband to go forward. Many trips later to court I found out I was never removed. I was able to finally get the judge to dismiss my case but it was 2 years later! I disputed my credit bureau reporting numerous times. I even submitted my court paperwork as well as 2 years of my on time mortgage payments. All during this time my mortgage disappeared off my report, then reappeared then was removed, my open credit cards were saying they were part of a bankruptcy and I was unable to refinance my house. Im being first punished by a court error then the credit reporting agencies for reporting information that is not correct. I cant get ahead with my credit because all my hard work ( mortgage ) is no longer reporting. Im asking for my Chapter XXXX dismissed case to be removed from all 3 credit bureaus.

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 2023-01-27
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My XXXX  with XXXX was ending and I wanted to pay off the balance in full. I attempted to contact the company both via telephone and via the online message center in my account several times. I was told over the phone that XXXX would send me the pay off amount information but I never received a single document despite my repeated attempts. Concerned about missing a payment, I continued to send payments to XXXX in the interim because I did not want there to be an issue. XXXX sent the payments back to me and still did not send me any pay off information for my mortgage. 

XXXX then proceeded to accuse me of missing payments despite the fact that my payments had been sent in and subsequently returned, and they reported it to the credit bureaus. This is absolutely unfair because XXXX failed to provide me with the amount and payment information to pay off the loan which I requested several times. I wrote a letter to XXXX requesting that they please cancel the missed payment report sent to the credit bureaus considering this was XXXX 's fault and they refused stating they were not in the habit of doing that. As soon as I received the pay off information many weeks later, I proceeded to pay off the loan entirely. This is absolutely unfair. I had never missed a payment in the past and XXXX 's incompetence and significant delays have negatively impacted my credit score. I am currently renovating my home and late mortgage payments in the last 12-months kill my chances of getting a loan. I respectfully request that you please expedite this process as I am being punished for something I did not do. I can provide a copy of the letter we sent as well as screenshots of the messages I sent to XXXX requesting the pay off instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: U.S. BANCORP
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I are in the last stages of refinancing our home in North Carolina. We are working with United Trust Bank for the refinancing. Back in XXXX of XXXX  we did a loan modification through U.S. Bank, due to XXXX  XXXX and being out of work. Everything was going well with the loan modification until we got to the title. Our loan payoff amount is {$120000.00} and the modification or partial pay is {$41000.00}. The payoff we received from U.S. Bank matched those numbers exactly. When the title company did a search on the title, they found that the VA was also on the title as a possible lien holder, and it looked like a double payment of {$41000.00} plus the {$120000.00} was due. We contacted the VA and were told that they never approved this action. They also commented that U.S. Bank had sent them the paperwork twice, but it was sent back because it was incomplete and never received anything more from U.S. Bank. U. S. Bank anticipated approval from the VA and went ahead with the title recording. We have contacted the bank numerous times with no luck in getting this 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 2023-01-27
Company: Experian Information Solutions Inc.
State: MN
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Experian on XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-17
Company: Rocket Mortgage, LLC
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My issue is this. We want to sell our home in Idaho and buy in Colorado. To be effective, we want to do our due diligence to find the best rates and offers. I've picked out 4 or 5 companies and too many of them want a hard credit pull. ( XXXX ) The problem with that is that it dings our credit rating for no reason. It's not like a denial or a loan is issued - we're just looking. The ding occurs just for asking and it dings the rateing 5 % for 2 YEARS. That's not right or fair to a consumer. They all shrug and say that's just the way it is, but I'm wondering why there are articles that say a smart person should shop around if the end result is a ding that lasts for up to 2 years. If no denial, and no loan is issued, why should it affect my score and why on earth should it last for 2 years? I'm not a rich person but have carefully managed my XXXX XXXX above XXXX and don't want to lose that. Nor do I do this type of thing every day, so mortgages are complex and stressful for me. 
With all the truth in lending, these are questions none of them have been able to answer. So I'm asking you, and asking a second question if there are questions I should be asking these lenders but don't know to ask? At this point I'm not sure about trusting anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX user XXXX is a scammer with the name of XXXX XXXX. Sent {$1200.00} via Zelle to a her and a XXXX on XXXX who is still operating and asking for more from me! Also stole my debit card info but were unsuccessful charging it.

Company response to consumer: Closed with explanation