BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second written request to remove an account that was opened fraudulently, your company has previouly removed this account but now you are riposting it again by FCRA you can not report an account you previously removed without a written note an proper verification of this account section 604 and 609 a b, I got scammed online by an individual that i do not know, accounts had been opened in my name, this person had stolen my identity, I have contacted police the told me to file IC3 FBI report and an FTC is attached to this complaint. Please block this fraudulent accounts from my credit file.

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 2017-12-29
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Due to Job loss I contacted two of the company 's that I have credit cards through. XXXX ( Store Cards ) and XXXX XXXX. ( XXXX XXXX store card ). I advised that due to circumstances I would like to see what kind of payment arrangements or programs they had for assistance. ( I have been a long time customer in good standing ). I was told that they hardship programs they had were not available until I was at least 2 months behind. That would then mean that besides being late I would accrue fees for being late and over the limit and ( my credit rating would be affected ). I again advised I am  trying to be proactive to avoid these issues. They advised me they would NOT work with me in advance of being behind. They would not lower my interest rate nor negotiate. Secondly working with me after the fact of being behind usually involved lowering my payment amount but the account would be closed. This also negatively affects my credit. With most interest rates being 17.99 to 24.99 % these company 's have made 3-4 times over of what you actually owe and has you over a barrel since the world revolves on that almighty credit rating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-12
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:
I contacted regarding MULTIPLE inquires that I am unaware of and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, you did not show my authorization as required by law authorization, written nor verbal I ask that you DELETE these non authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

Replying to my CONCERNS with a letter stating to contact the companies that are listed on inquiries is not legal. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 )  Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
First Greentree LLC were not honest and lied about not receiving payment and so on. By the time they filled for bankruptcy they ran a deferred balance of {$62000.00}. Penalties and interest. They are not being honest and I have proof of dates and filling for a loan modification Second Diteck took over the mortgage They just changed there name. They also have not been honest. I have not received the balance of my insurance money due to Hurricane Erma.  They send me letters every week like I have not sent them anything. Its not true. I have faxed this to them in XXXX and sent them emails with everything they have asked for. Once again they are charging me with late fees and so on.. They also didn't pay my insurance company. They took it apon them selves to Sell me a Diteck insurance. When I had followed up with my carrier she told me it was not paid and they thought I went with someone else. I pay insurance and taxes each month to put in escrow. 
During the payments from the insurance company they applied it to my mortgage and Diteck told me I sent it to the wrong place. That was not true. I put 3 checks in the same envelope and mailed it to the same address. It took many calls and finally a conference call with my insurance company. 
If you call they are all the same. Debit collectors and do anything to no be of servicing there accounts. You cant find a supervisor to speak to.. It is frustrating. 
They have held this {$2200.00} check for over 2 years and in the mean time I asked them to apply it to my mortgage. I want penalties and interest on that money. Or they can back out the dishonest penalties and interest they have run up on my mortgage. 
Diteck also has filled for bankruptcy as of XXXX.2019. 
I really want everyone to know how dishonest both companies are. Changing your name and using the same tactics should be illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Experian Information Solutions Inc.
State: LA
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 mailed in disputes weeks ago and the credit bureaus have not responded. The following accounts and inquiries do not come from anything that I have done.

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 2022-02-28
Company: Paramount GR Holdings, LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Initiated a loan with Good Leap to purchase solar panels for my home. Good Leap paid the installer ( XXXX XXXX XXXX ) directly without confirming the work had been completed. XXXX XXXX XXXX has not made the the system work, and are not responding to my calls/emails/text messages. Good Leap should not have paid the installer until I validated the work was done. Now I am paying my electric bill and the loan for a solar system that does not work - the whole thing feels like a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was out of state on vacation and attempted to use my Capital One card. The transaction was denied. then I tried to use another one and it was denied too. I called Capital One and they told me that they closed my accounts but could not tell me any information of why my accounts was close. I was stuck in New York with no way of paying for my hotel or rental car. I had to have family send me money. I was so embarrassed and humiliated that my cards were declined right in the middle of vacation. Then when I call capital one the rep was rude and could not give me a reason why. I later received letters for the 3 closed accounts but still no real information was provided. I need my Capital One card. They are the only company I have a credit card with. I worked hard for my credit and I do n't fill like its right for them to tell me to reapply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XX/XX/XXXX {$1100.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$440.00}, XXXX XXXX  XXXX  XXXX XX/XX/XXXX {$0.00}. Inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX 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 2017-07-11
Company: LEXISNEXIS
State: IL
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:
On XX/XX/XXXX I called Lexis Nexis and spoke to XXXX. I advised her that there was an inaccurate bankruptcy ( docket XXXX ). I advised her that I would like to dispute the information on my Lexis Nexis risk report and Lexis Nexis Public record report that is used to report information to the 3 Major credit agencies. She advised me that she put in the 2 disputes and that the investigation would take up to 30days. On XX/XX/XXXX I called again to Lexis Nexis just to make sure that the previous rep did actually put in the disputes as I had requested and spoke to a supervisor XXXX. XXXX apologized and stated that the previous rep XXXX that I spoke to on XX/XX/XXXX only sent in one dispute by mistake and that he would submit the other dispute and backdate it to XX/XX/XXXX which was the original date that I called in to dispute it. On XX/XX/XXXX I called Lexis Nexis and spoke to supervisor XXXX. She advised me that the dispute that XXXX put in on XX/XX/XXXX was completed but the dispute that XXXX put in on XX/XX/XXXX had not yet been completed. I advised her that 30days has passed since both disputes had been entered. She stated that the dispute that XXXX put in was for XX/XX/XXXX and had not been back dated as he previously advised me it would be since XXXX failed to do it when I called on XX/XX/XXXX. I advised her that I called in on XX/XX/XXXX and requested that both reports ( XXXX and Risk Report-public records ) be disputed and that XXXX failed to submit the Risk Report dispute so that is an error on Lexis Nexis. Per FCRA all disputed items must be investigated within 30days of the initial dispute of XX/XX/XXXX. Lexis Nexis failed to investigate the bankruptcy docket # XXXX within 30days from XX/XX/XXXX so the inaccurate item must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Massachusetts Educational Financing Authority
State: ME
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I want to preface this complaint with I'm a XXXX XXXX, so I do understand the need of guidelines in which to approve and deny loans. I currently have approximately {$43000.00} in outstanding private student loans, these are JUST in my name, no co-borrower. I pay $ XXXX  monthly for these, as my average interest rate is 6.15 %. Recently, I tried to refinance these with the same company. MEFA is the overarching company, however they're serviced by XXXX. On Monday XX/XX/XXXX I was pre-approved to lower my interest rate to 3.80 % and lower my term two years, and keep approximately the same payment. I think it was a {$40.00} a month increase. I have as provided by MEFA a XXXX credit score, and good payment history for over a year with them ... ..as suggested by my score and I can provide proof of Both. 

I was denied due to my Debt to Income ratio, which I understand it a problem, I own a house, have a car, and student loans. HOWEVR, I'm refinancing with the SAME company and trying to lower my rate and make them easier to pay! I think this is SO SO SO wrong in SO many ways. 

I was basically told to get a co-signer or get lost or get more income. I'm not going to add a co-signer as no one should be on the hook for my college debt if I was to pass away. So, now they've basically ensured they will get more money from me for a greater length of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2017 my savings account was debited in the amount of {$6000.00} by Bank of America at the request of third party not authorized to do so by me or any court of law and was an illegal theft of my funds.

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 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, DE XXXX have been reporting on my credit report inaccurate information without my written consent. I have sent numerous of dispute letters for XXXX to remove this off my credit report and they failed to do so. The original amount balance went from {$9700.00} to {$26000.00}. Here are all the dates trying to resolve this matter : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/XXXX I received a call from a so called " XXXX ''. They way the called and harassed me was inexcusable and beyond my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have tried to contact Midland Funding over 10 times in regards to a debt that they sued me for ( and won a default judgement. ) I am trying to eliminate the associated lien on my property and Midland has not even responded to my REPEATED requests. I have called them on the phone numerous times and sent them email, XXXX letters and filled out forms on their website. 


I need them to release the lien on my property IMMEDIATELY and report to the state of WI that all of my judgement has been satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: National Credit Adjusters, LLC
State: CA
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 latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # 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 a 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 2022-02-17
Company: EQUIFAX, INC.
State: CA
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 information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XX/XX/2017 {$1100.00}, XXXX XXXX  XXXX  XXXX XX/XX/2017 {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I overpaid which resulted in a credit of {$180.00} All pertinent information is on the statement copy attached XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-29
Company: Midwest Loan Services, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made my regular payment on XX/XX/XXXX ( the normal due date ) On XX/XX/XXXX I received a call by Midwest loan services hat said my payment had not been received. I informed the customer service rep, that I had paid via internet banking through my credit union and payment was sent ACH on XX/XX/XXXX and the funds were taken from my account. After a brief place on hold, I was told " sorry, you payment was n't late, we returned it due to our partial payment policy ''. But I did n't make a partial payment, I paid the same amount I do every month. This is when I found out there was a PMI miscalculation and I had and " escrow '' shortage of {$5.00}. 

They claim they sent a letter which I never received, it certainly was n't sent certified. So since they returned my payment, they now wanted me to pay it again with the {$5.00} added. Well I ca n't pay them, until I get the money back ( that they had ). At this point we started discussing a late fee and how I could be reported to the credit bureaus if I did n't pay it. This is when I started losing my temper. How can they do this? They had my money? After some negotiation, I was told they would waive the fee this one time and would not report me. But how many customers have they done this to?

The status as of right now ( XX/XX/XXXX )? The rejected payment was sent to a third party internet banking partner of my credit union ( that is also their policy ). It will be 10-15 business days before it will be deposited back into my account ... at which time I can pay Midwest Loan Services AGAIN. It  's my opinion that they are in violation of the Truth in Lending Regulation as I have not been credited " promptly '' as the Reg states. I have spend at least 16 hours trying to track down my money. None of this was my fault and I 'm paying the price. Something needs to be done about this 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 2023-04-13
Company: EQUIFAX, INC.
State: ID
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:
It's that some credit collection agency keeps putting some charges on my repot. They won't stop

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Sears/CBNA ( Citibank ) refuses to provide a payoff balance to my mortgage company so I can pay off the credit card with a refinance. They claim it's against federal law to do so.

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