BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS/ LATE PAYMENTS/INQUIRIES AND INACCURATE ADDRESSES from my credit report immediately.

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 2021-10-20
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
TO : XXXX XXXX XXXX & Planet Home Lending LLCCC : ConsumerFinancial Protection Board RE : XXXX # XXXX / Planet Home Loan # XXXXProperty Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXBorrowerName : XXXX XXXX XXXX I refinanced my Chase mortgage with XXXX XXXX.At the time of signing my loan docs, I set up auto pay with XXXX from my Chasechecking account.As my first payment ( XX/XX/XXXX ) got near I contacted XXXX to find out if the Auto Pay was set up so I would not have to mail in a check.After many attempts, I was assured it would be fine but come XX/XX/XXXX the payment was not withdrawn.I immediately contacted XXXX and they said it was fine. It would just take a few days to show up in my bankaccount.I again contacted XXXX who said not to worry, just be patient, it will clear.Finally, on XX/XX/XXXX the auto pay hit my XXXX account for {$2900.00} ( ID # XXXX ) and I figured- ok, they finally got it right - problem solved. 
WRONG - problem just begun. 
On XX/XX/XXXX I got a letter from XXXX XXXX : NOTICE OF SERVICING TRANSFER - The letter was dated XX/XX/XXXX! and informed me to send all payments due on XX/XX/XXXX and after to Planet Home Lending - this is some 2 weeks AFTER my payment was due and obviously after it was PAID.The letter also stated XXXX will stop accepting payments after XX/XX/XXXX ( a lie, XXXX XXXX did an ACH debit on XX/XX/XXXX as noted above ) .The letter went on to say " if your payments are automaticallydeducted from your checking account, XXXX  will discontinue this service as of XX/XX/XXXX '' - again a LIE, they did charge me and again this letter was written a week+ after this deadline. 
As for the folks at Planet Home Lending, they are no better, perhap worse.They sent me a letter ( to the wrong address ) dated XX/XX/XXXX ( from CT!! ) " IMPORTANTLEGAL NOTICE '' that as of XX/XX/XXXX XXXX be transferred to Planet Home lending - Again the transfer was WEEKS ago! 
I called XXXX on XX/XX/XXXX and first corrected their mistaken mailing address. Then I asked about the status of the XXXX payment- they showed no payment made and that I would have to contact XXXX. They could not help, had no records etc. The rep I spoke to struggled to speak English and could see nothing in my file. 
I did send in the auto payform to Planet yesterday but I have little faith they will receiveand process it in time for my XXXX payment AND since they are unaware of my XXXX payment having been made- they will likely incorrectly apply it to my XXXX balance and try to charge me a late fee. 
I am filing this complaint with the CFPB as I have zero faith that either of these entities, XXXX or Planet, will correct all of theircompounding failings. 
Please respond ASAP, before we reach XXXX and it gets even more screwed up. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Around the beginning of XX/XX/2022 ( I do not recall the exact day ), I decided taht I wanted to request a credit limit increase for my U.S. Bank Cash + credit card and my U.S. Bank Flex Perks Rewards credit card. I logged in to my U.S. Bank account through my browser and went through the steps to verify my income, rent, and other information and then submitted my requests. Nowhere in this process did it ever tell me that U.S. Bank would do a hard credit inquiry on me for this process. I am very careful to pay attention to this whenever dealing with anything related to my credit. I would not have consented to a hard credit inquiry for this process had I known that it would be a possibility. 

I later got letters in the mail from U.S. Bank, dated XXXX XX/XX/2022, for each of the two credit card accounts that I applied for the increase on. The letters both explained that they could not process a credit limit increase because there was a freeze on my XXXX credit report and said to unfreeze the report then call them back at XXXX. I called them back at that number on XX/XX/2022 and spoke to a representative who told me that they did not know if a credit limit increase request entailed a hard inquiry or a soft inquiry and that there was no way of knowing this. I told him that it is required by law to inform me when they have the possibility to do a hard inquiry on my credit history. He then transferred me to a supervisor. The supervisor stated that the online credit limit increase request process for U.S. Bank does inform users that there is the possibility of a hard credit inquiry but she could not provide any proof of this supposed consent notice. I was then transferred to the underwriting department where I asked why they had to do a hard inquiry on me for a credit limit increase. He could not provide any reasonable explanation. He refused to process the request for a credit limit increase with just a soft pull of my credit report. 

U.S. Bank is fraudulently making hard credit pull requests on users whom have not been informed of this possibility beforehand. This is deceptive and illegal according to the Fair Credit Reporting Act.

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 2021-10-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Experian continues to verify an account that is reporting inaccurately by using public records data. Ive pointed out to Experian several times the information is incorrect and every dispute comes back as verified and updated but has no change in the account information whatsoever. XXXX has honored the discrepancy and removed the account. Experian needs to do the same because this account is fraudulent and various inaccuracies.

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 2020-04-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
have tried over and over to modify my loan SPS hires a real estate to blow up the value of my home I'm always worried about a foreclosure this home is my homestead and valued low

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is showing the following inaccuracies Account Status : Derogatory for all 3 bureaus Account shows the high balance spent is {$300.00} of a {$3000.00} credit spending where I was never late. 
Last Reported dates are not consistent XXXX - XX/XX/XXXX, Experian - XX/XX/XXXX XXXX - XX/XX/XXXX Comments needs to be removes on all credit reporting agency XXXX is reporting- this account was part of a XXXX XXXX ; wage earner plan account - never been apart of any bankruptcy. 

Experian is reporting -This account was never purchase by another lender There was never an Unpaid balance reported as a loss by credit grantor. 
This debt was never included in any in or discharged through Bankruptcy XXXX XXXX. 

XXXX is reporting- Account never involved in XXXX XXXX debt adj. 
Account never was transferred or sold Never Included in XXXX  XXXX Dates with last activity is all different for all three credit bureaus. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/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 explanation
Consumer complaint received 2017-11-05
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I bought a XXXX phone on XXXX XXXX, XXXX with a down payment of {$51.00} and returned it on XXXX XXXX, XXXX becasue it did not work as promised. XXXX charged my XXXX card {$5.00} for the data usage for two days. XXXX also charged my card {$50.00} for a " restocking fee. '' I disputed the restocking fee with both XXXX card and in an email to XXXX XXXX at XXXX. I have been contacted by XXXX XXXX of XXXX, who emailed me on XXXX XXXX that my account with XXXX is now closed with a XXXX balance. She said she sent me a prepaid card for the refund of {$50.00}, which I 've not received. On XXXX XXXX, XXXX I emailed XXXX back to ask why she could n't just apply the {$50.00} refund back to my XXXX card. I got an email from XXXX XXXX that said she would be out of the office until XXXX XXXX, and I should communicate with XXXX at XXXX. I forwarded my latest message to XXXX and received an email saying he will be out of the office untilXXXX. While the emails between me and XXXX went back and forth, XXXX has sent me bills for {$51.00}, {$100.00}, and a " final bill '' for {$76.00}. 
Yesterday i received a notice from a collection agency, Convergent. regarding the {$76.00}. It is not a legitimate debt. My relationship with XXXX was for less than 48 hours. The phone was returned. There was never a contract. On request, I can mail copies of bills, emails etc.

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 2021-10-19
Company: EQUIFAX, 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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
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:
I am having some issues with addresses on my file that are not accurate. My XXXX XXXX. XXXX I live at XXXX XXXX XXXX, XXXX, OH XXXXplease remove delete any other address. My DOB is XX/XX/XXXX, my SS # is XXXX. Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: Experian Information Solutions 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:
Hello. My name is XXXX XXXX. I recently Check my credit report and find out there is something wrong on my credit account and other credit histories. I never attended college or university before but there is student loan is on my credit report. I already talk to the credit report company that. but student loan still showing on my credit report until today. I don't know what to do. 
I'm going to hire a lawyer and sue these credit report company and Need to Remove student loan Asap. I'm reporting these Experian, XXXX, XXXX today. I already mail to them but they don't response my request for loan application which is identity theft and where did I apply loan and loan sign up. They should reply mail back to me with evidence in 30 days. but they didn't do that. Please Help me to remove wrong information on my credit report. I really frustrated with my situation. Please help me.

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 2022-03-08
Company: DISCOVER BANK
State: NY
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 have had problems with this lender ( Discover ) for a long time now. They are not the original lender that I applied with, they acquired my loan by taking over XXXX. I have communicated with them several times about my financial situation and they disregard it. I have not been having steady for a while and have been placed on deferment plans prior.

It takes me time to make the payments, sometimes a little over a week after the due date. They call constantly and as of these past few months have gotten worse. These past two days alone ( XX/XX/22 & XX/XX/22 ), they have called seven times. I always let them know when I make a payment, that I will call in for the following month payment yet they consistently do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: Santander Consumer USA Holdings Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
After doing several disputes with XXXX, XXXX, and XXXX. I am still not getting the investigation that I asked for. By the credit bureaus not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to all of the Bureaus and the Creditor asking for validation. The information was completely ignored from creditor Santander Consumer. All three failed to do an investigation before reporting false information. Santander Consumer failed to respond several letters

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
on XX/XX/XXXX I called the number on the back of my card because my transaction was declined come to find out someone has been using a copy of my card making purchases and taking money out all while I was still using my card on a daily basis. My claim amount and number is # XXXX {$6000.00} the second claim was # XXXX {$1400.00} then I was advised I had nothing to worry about id be given a credit and they would do their research a couple of days later no credits to my account had been applied so I called ad the SPECIALIST that had helped me the first time made a duplicate claim of both claims which got my claim automatically denied because it was as if I was trying to lie my way to get credit. which in itself is not accurate because it was never my mistake then they reopened the claim but I had already had a bad start with there now being 4 multiple claims that I had supposedly filed. they never credited me anything and still deny the fact that they need to refund me the money that was stolen.

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 2021-10-20
Company: OPORTUN FINANCIAL CORPORATION
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:
I received a personal loan by the XXXX XXXX XXXX on XX/XX/2017 for the amount of {$1600.00}. While making payments I eventually couldnt pay anymore. So the company took action and put a wage garnishment and took money from my checks and deducted over {$1800.00} the amount owed was paid in full. After the payments were made the creditor added an amount of XXXX and does not want to give me information on why its there on my report. The company does not cooperate very well. Ive tried for a year to resolve this but the company is refusing to give any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Premium Credit Bureau
State: IL
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 was purchasing a car at XXXX XXXX XXXX for a cash price, after the full price cash purchase was completed I started getting letters in the mail stating I was looking to finance a car. which is not true I purchased the car cash. I did not give permission for my credit to be used.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: Unlimited Progress Corp
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The phone number that they have been contact is either forward to my place of employment or to my older daughter 's phone during the week. On XXXXXX/XX/XXXX when my daughter answered the phone a lady started speaking XXXX and then switched to XXXX and asked for myself. My daughter informed her I was not home the lady then continues to leave a message and said that she was CDA and she was a debt collector on a recorded line and my daughter confirmed with her the phone number and reason why she was calling my daughter also made XXXX aware that she was not myself and that it was against the law to disclose to another person outside the debtor themselves XXXX did not care They have also called on XX/XX/XXXX at XXXX XXXX and XX/XX/XXXXat XXXX and revealed they where debt collectors but my daughter did not take a message either of those times

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 2022-03-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have been a paying Membership fees with Experian since XX/XX/2018 and I get charged {$21.00} per month for the ( Experian XXXX XXXX  ) that includes. Up to {$1.00} million Identity theft insurance, Deicated Fraud Resolution support, Experian XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Identity Protection and Alerts and 2 others. Well I have called many times to get help with my Identity theft issue and call after call after call I get sir I am so sorry to hear that and been told over and over that they was going to look into it and talk to one of there team members and would call me back and nothing so they take my money and give me nothing that is on the premium I get charged since 2018 but I really need help I cant receive services I pay for and that is THEFT OF SERVICES the only thing that worked was XXXX and the day I put the freeze on my credit and filed Identity Theft with Experian and I told the guy on the phone my bank and credit cards was about to not work becauae I would be issued new accounts and cards and I asked over and over I am payed up right and he says that since I was a Premium member and filed Identity theft my credit and membership would be active and once I received my new cards to call experian and see if any update was done, I said ok and guess what today I get email that says experian unlocked my credit and I got hit for XXXX points and a new bank account was opened in my name and SSN. So EXPERIAN IS A SCAM AND I RECEIVED THEFT OF SERVICES FROM THEM. I am not very happy and I want ALL my money back since XX/XX/2018 if I can not get this fixed here I will get a attorney and file Theft of Services this is not right if I did this I would be in Jail for theXXXX

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 2021-10-20
Company: AmeriCollect
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus. I never had any medical services with anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation