BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-18
Company: Innovis
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: Personal information incorrect

Complaint:
My name is XXXX XXXX my only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX. My SS is XXXX please remove any variation of my name and social security or DOB. 
I have have some issue with fraudulent addresses and incorrect information on my credit report. I need the following addresses removed : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
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:
On Wednesday XX/XX/2021, I began receiving alerts that a hard inquiry on my consumer report was just made. Upon reviewing my report I saw that the inquiry was made by " XXXX  XXXX XXXX ''. I called the number listed and they explained that they do not pull consumer reports, however they provide the service for their clients to be able to do so and that the inquiry in question on my report was done by " XXXXXXXX XXXX XXXXXXXX. 

I immediately contacted the mortgage broker that I had been working work to refinance my mortgage and inquired why, without my knowledge or authorization he had taken it upon himself to pull my consumer report. 

Facts : -The mortgage company already had an copy of my consumer report that I did authorize for the purpose of completing the refinance, there was no reason to pull another. 

-I had already explained to the broker that I did NOT wish to have multiple inquires on my consumer report relating to this refinance as it know multiple inquiries can have a damaging impact on your ability to get funding in the future. 

-I DID NOT authorize a second inquiry on my report from this broker and it was done without my knowledge. 

-When I asked for an explanation from the Broker ; he lied. There was no need to pull my report again as he was aware he had my correct report ; despite if he had mistakenly misspelled my last name. He still got to the correct report. He also had numerous other legal documents as well if he needed to verify the correct spelling of my name ; including my license, tax filing, pay stubs and lastly MY OWN EMAIL. He then began to insult me. 

Please see the attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: EQUIFAX, 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:
In late XX/XX/2019, I received notification from XXXX XXXX that I had acquired a late remark on my credit report from XXXX XXXX. Upon making contact with XXXX XXXX I was told this would not be removed because I did not have the funds in my account. I was then told I would receive paperwork in the mail to correct this issue or I could send in the documentation. I sent a letter in which they responded the reporting is accurate and would not be corrected this letter was received in late XX/XX/2019. Since receiving that letter I have received two letters from my bank stating the funds where in my account and it was a mistake on their end due to the first 3 prefixes of my account being incorrect. The first letter was sent to XXXX XXXX which they still have not corrected. I am in the process of purchasing a home and I have worked very hard to maintain a good credit report. Attached you will see the letter from my banking institution and phone number to contact them should you have additional questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Conduent Incorporated
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Complaint is against Way2Go ( Mastercard ) for withholding unemployment funds placed in their trust to be turned over to the unemployed worker, and if requested, transferred to the individuals bank account. An accumulation developed because Way2Go failed to provide the cards by XX/XX/XXXX, the start date. Stories emerged to deny the requested transfer to the confirmed bank account but to keep the money longer by Waya2Go. In order to deny the transfer, the false claim it was not part of the Nevada program was proffered. Also, to prevent the transfer, a false security issue was entered to correct the entry of transfer information on the website. The false security issue was then claimed to be uncorrectable ; and then only a {$100.00} can be withdrawn at a time, leaving Way2Go ( Mastercard ) to use, without authorization and contrary to directions, the unemployed seniors money for time to come. Complaints to the federal Consumer Protection Dept resulted in the matter being assigned to higher ups. Caller ID from those higher ups appeared to originate from a non-working New York phone number. ( Caller ID showed XXXX origin located in New York, while their actual location is Texas, area code XXXX ) Finally these two individuals stated that they had arranged for the transfer, but failed to do so. Instead, they intentionally engaged in elder abuse, having specific knowledge of the age of the individual having required and received a copy, both sides of the seniors drivers license, by withholding the seniors own money that might be critical funds necessary for housing, food or other necessaries, especially during the covid crisis ; forcing the senior out into dangerous heat to go to the bank in order to obtain access to her own money. As I told them I would, I am looking for an attorney to file, if possible civil and criminal charges against them for the willful refusal to distribute the money to the rightful owner, breach of trust, abuse of a senior ( over XXXX  ) and claims against Mastercard for the same. This will cause a senior serious financial hardship for just trying to obtain what is rightfully hers. Having failed to fulfill their legal obligations and transferred the monies, Way2Go forced a senior into dangerous heat in order to transfer money into her bank account by requiring that she go personally to the bank during an excessive heat warning in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I was financed a XXXX XXXX 4 months ago and when i asked is anything wrong with the car i was told no. Later i came to find out that the car had frame damage and the problem became unrepairable. I was told by the shop that the dealership had to be aware of this if the car was correctly inspected.

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 2022-08-12
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX ( # XXXX ) {$26000.00}, ( XXXX ) {$11000.00} XXXX XXXX  ( # XXXX ) {$560.00}, XXXX XXXX XXXX XXXX  # XXXX ), ( # XXXX ), XXXX XXXX XXXX ( # XXXX ) {$750.00}, XXXX XXXX  ( # XXXX ) {$23000.00} XXXX XXXX  ( # XXXX ) {$10000.00} XXXX XXXX XXXX XXXXXXXX ( # XXXX ) {$1400.00}, XXXX XXXX ( # XXXX ) $ {$430.00}, XXXXXXXX XXXX XXXXXXXX ( # XXXX ) {$560.00}, XXXX XXXX XXXX XXXX ( # XXXX ) {$1200.00}. 
In accordance with the Fair Credit Reporting Act these above companies have violated my rights 15 USC 1681 section 602 ( A ) states that i have the right to privacy. 15 USC 1681 604 ( A ) section 2 also states that a consumet can not furnish my account information without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
On XXXX XX/XX/2020 my PayPal got limited permanently for a period of 180 days XXXX 6 months XXXX. It's now 14 months down the line and yet I haven't received my cash nor the limitations lifted. After the days were over I tried withdrawing the cash but I am still unable. I have contacted the customer care PayPal but they are not lifting my limitation. 
Case number XXXX Email address : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: GUARANTEED RATE INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On around XX/XX/2020 I applied for a 1st mortgage refinancing and after satisfying all requested information I was told via e mail that the company I was working with XXXX has been acquired by XXXX however my initial rate of XXXX will be honored by the new company and they will start the process with the new company name. I went along and resubmitted most of the documents twice, sometime three times. They requested additional verification to lower my principal balance and I agreed. Now they are asking me to take additional insurance to cover my personal items although my home insurance covers the constructed building including all amenities. Im a medical doctor with a very good credit and all I want to take advantage of the low rate to lower my payment. Now after nearly 4 months I will not be able to secure the 3 % rate with no points/cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Trans Union credit bureau is refusing to remove inaccurate information off my credit after being hung up on & told no.

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 2019-06-18
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2019 I asked my MyFedLoan servicer a question regarding XXXX XXXX XXXX, and deferment. Since the school doesn't take federal loans, I wanted to inquiry because it is a sudden interest due to a sports injury from running. It's been a week and they still haven't answered my question. I'm ok with them saying no, but at least have the courtesy to respond. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 several items on my credit that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 

XXXX {$300.00} XXXX {$680.00} XXXX {$2800.00}

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 2021-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My privileges of privacy have been penetrated and intruded by this bureau which is an immediate infringement of federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. it is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.

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 2020-06-23
Company: WELLS FARGO & COMPANY
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Wells Fargo. I pay the mortgage by payroll deduction every two weeks of 1/2 the monthly mortgage amount. I entered into a covid19 forbearance agreement to suspend payments for three months. Before the end of the three month period I requested resumption of the payroll deduction payments and I requested that Wells Fargo deduct from my checking account, the amount of all missed payments, plus one extra payment. The same day, I requested the termination of PMI payments. My request was denied even though I am otherwise qualified to have the PMI eliminated. Wells Fargo explained that the forbearance created a one month delinquency on my credit report account and that I must wait 12 months before making a new request. This refusal means that I will pay over {$500.00} in PMI over the next 12 month waiting period.

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 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$8500.00} XXXX XXXX {$23000.00} XXXX  XXXX XXXX {$480.00}

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 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
My name is XXXX XXXX my only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX. My SS is XXXX please remove any variation of my name and social security or DOB. I have have some issue with fraudulent addresses and incorrect information on my credit report. I need the following addresses removed : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH 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 2020-09-25
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I only used XXXX once and returned everything I bought using it. The company will not leave me alone and continues to mail me bills saying I owe them debt. I do not owe them anything as I have never used XXXX since I returned all of the items. I would appreciate if Midland Credit Management would stop mailing me bills saying I owe them money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18
Company: LDF Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Getting a payday loan was the worst mistake that I ever made in my life.The finance fees are outrageous and not affordable.The company takes basically my entire pay, I am a single mom who pay check is completely gone due to this fact.I don't even have gas in my car for work what am I suppose to do at this point .Help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Reliant Capital Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have student loans with XXXX State University that somehow went to collections when the rest of my loans didn't. I've tried numerous times to contact and speak to someone from XXXX but have had no luck. 

They have sent a balance of {$8500.00} to collections twice. Once with XXXX XXXX XXXX, which I was able to delete off XXXX   and XXXX with the help of XXXX XXXX, but now they sent it to another collections agency Reliant Capital Solutions almost a year later. 

Reliant Capital Solutions has been constantly contacting me over this amount and already sent it to XXXX which dropped my credit score 84 points and causing a huge disruption in my life when i'm trying to buy a house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-23
Company: JPMORGAN CHASE & CO.
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been attempting to reach out to Chase Bank in order to modify my mortgage due to the covid -19 XXXX XXXX closures in Pennsylvania. I am attempting to get ahead of a potential crisis, while I have XXXX revenue being generated. 

XX/XX/XXXX - 1st call, waited 2 hours, call disconnected by Chase Bank. 
XX/XX/XXXX - 2nd call, waited 1hour 5 minutes, call disconnected by Chase Bank. 
XX/XX/XXXX - 3rd call, waited 2.5 hours, disconnected by Chase Bank. 
XX/XX/XXXX - 4th call, waited 57 minutes, disconnected by Chase Bank. 
XX/XX/XXXX - 5th call, waited 1 hour 7 minutes, call disconnected by Chase Bank. 
XX/XX/XXXX - 6th call, waited 2 hours, cal disconnected by Chase Bank. 
XX/XX/XXXX - submitted request for call back on Chase Bank Secure Messaging service. Detailed why I was reaching out and what I was hoping to achieve. 
XX/XX/XXXX - submitted 2nd request for call back on Chase Bank secure messaging service. 
XX/XX/XXXX - 7th call, waited for 1 hour and 19 minutes, call disconnected by Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: U.S. BANCORP
State: UT
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:
I opened a credit card with US Bank/ XXXX Mastercard several years ago. It is my understanding that monthly billing statements are to by law to be sent out 21 days prior to due date. For several years I repeatedly did not receive bills from this one company on time, many times receiving them a week after the due date. I repeatedly had to fight them for late charges and paid late fees several times as a result. This is the only credit account out of a dozen accounts I have that I have had this problem with.

I repeatedly verified my address with the company and they always had the correct address. I am currently trying to fix these errors on my credit report. The account representatives at XXXX Mastercard have told me over the phone they will not correct my information on file with the credit reporting agencies, and the disputes department puts you on hold for 45+ minutes when you call to try to fix the problem. I have hired a company that disputes accounts but they have not been successful either. 

Based on my experience with this company, I believe I am not the only person having problems with this company. I do not use the card very much anymore as a result of their poor business practices but would still like the three negative items on my credit report removed from by this organization. 

Thanks for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, UT 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 2017-11-22
Company: Navient Solutions, LLC.
State: GA
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:
I was a student at XXXX University in XXXX, Illinois. The time that iI received financial assistance the company was XXXX XXXX the company was more than willing to discuss forbearance options - continuously off setting my loan. This was a very vulnerable part of my life. For years I was advised that forbearance was my best option, as opposed to a repayment plan. A couple years ago I brought up different pay options. Was placed in IDR- now in a standard. My total monthly payment is {$200.00}. I was under the impression - that I was paying a 6.875 interest rate- {$100.00} is applied to interest {$100.00} is principal - however on my credit report {$74.00} is applied to the balance - something does not add up. I am being ripped off - Navient is the worst

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I hired a credit repair agency almost 2 years ago and there have been five different rounds of attempts to resolve the issue and the company is just not budging on anything and they are reporting to two of the three credit bureaus at the moment and its greatly affecting my credit scores.

Company response to consumer: Closed with explanation