BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Tried to place a fraud alert on Transunion after being notified of a breach of security at Utah XXXX XXXX , Inc. I was able to successfully place alerts on XXXX and XXXX  online with absolutely no problems. Transunion was impossible. I called customer service and they were no help at all. Kept asking me to try different browsers, different sites, or the website is temporarily down, etc. Nothing worked! This is not the first difficulty I have experienced with them. I faxed copies of S.S. card and license in the past, only to be told they never received the fax! Their website is awful, customer service is incompetent and I am not sure how they ever became a major credit reporting agency. Consumer alerts had them rated 1 star. They have thousands of reported complaints. Their license should be revoked. Is your agency aware of this and investigating?

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 2020-09-05
Company: Experian Information Solutions Inc.
State: OH
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2020 I filed a second dispute with Experian about a collection account ( XXXX XXXX XXXX ) To be verified by providing me an original signed document or for it to be removed as stated on F.C.R.A. section 609 and section 611. Experian has failed to provide me with an original signed document and has not removed the collection account.

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 2018-07-23
Company: EQUIFAX, 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 tried to no avail to get these fraudulent accounts removed off of Equifax. They have a glitch in their system they refuse to fix. These accounts are not mine and i have provided my case number to my fraud account from the police. These accounts are not mine and need to be removed : 1. XXXX # XXXX 2. XXXX XXXX XXXX  # XXXX and XXXX 3. XXXX XXXX XXXX # XXXX 4. XXXX XXXX XXXX # XXXX 5. XXXX XXXX XXXX # XXXX 6. XXXX XXXX # XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX # XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-19
Company: Home Point Financial Corporation
State: CA
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:
I have a loan with HOME POINT FINANCIAL C. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and HOME POINT FINANCIAL C with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXXr - XX/XX/XXXX / XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: EQUIFAX, INC.
State: TN
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:
Portfolio recovery has been paid and they agreed to remove collection trade line from all 3 reporting agencies. This has not been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 asked this company for investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof.

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 2020-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2021-04-26
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a federal student loan and I'm making payments of about {$700.00} per month. They're charging interest at the original rate of 9 %, which works out to about {$150.00} per month. It's my understanding that interest should not be accruing due to presidential orders. Navient has charged me a total of {$2700.00} in what I believe to be illegally obtained interest since XXXX of 2020. They are taking the position that my federal student loan doesn't qualify for the national, president-ordered interest rate pause. 

Please publish this. One way or the other, people should know.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I received earnings withholding order at work from Midland Management LLC. I called Sheriffs office and was told to contact the attorney for Midland management. When I contacted midland management, XXXX answered and refused to let me talk to the attorney. He told me that it was an account with XXXX. Asked to provide proof since dont recall having a credit card with XXXX, XXXX said I was served in XXXX to an address he gave I never lived at. Asked XXXX to send all documents and so far nothing received. Asked about if it was my debt and if they settle, XXXX asked me to send my paystub and he can give 5 % discount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: DISCOVER BANK
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, I sent a deposit of {$200.00} to Discover to open a new secured credit account. The information on the Discover website stated that as long as I made on time payments I would receive my deposit back, and graduate to a regular Discover card. On XX/XX/XXXX, I received my Discover card, and activated it. I have continued to bay off the balance, and currently carry a {$0.00} balance. In XX/XX/XXXX, I contacted customer service to ask about when I can expect to receive my deposit. I was told that Discover reviews accounts after 7 months. No further help was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: ACIMA CREDIT, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I obtained items using credit through acima lending in XXXX. 
The pandemic nearly cost us everything and we faulted on this debt. Acima leasing told me that the debt was closed on XX/XX/XXXX. On XX/XX/XXXX they charged my debit card XXXX. The card they charged ( which is a new card ) they never had any information about. I never gave them the new debit card information or the new bank it was from. This information was obtained by them through possible illegal methods. I have the bank record to show that the charge date of XX/XX/XXXX. 
My best guess they are doing illegal activities to obtain this information without a court order. The main issue is that I am 100 % positive my new debit card information was never given to them ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
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:
America First Credit Unioncreated a new premium checking account with a XXXX XXXX/mo fee and auto enrolled their clients in it automatically. 

I do not want this service and would rather keep my free account and forgo the premium features. 

A company should not secretly subscribe members to a paid service. This should be an opt in scenario

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Someone has gotten a hold of my information and opened an account with 1. XXXX XXXX XXXX XXXX acct # XXXX. There were also accounts attempted to be opened as well and there are unauthorized inquiries they are : XXXX XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. I have attached the report for id theft with the ftc for you to review as the instructions stated.

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 2019-03-01
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:
Someone has gotten a hold of my information and opened an account with 1. XXXX XXXX  XXXX XXXX acct # XXXX. There were also accounts attempted to be opened as well and there are unauthorized inquiries they are : XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, and XXXXXXXX XXXX XXXX on XX/XX/XXXX. I have attached the report for id theft with the ftc for you to review as the instructions stated.

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 2020-05-21
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX N/A XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2017-08-10
Company: EQUIFAX, INC.
State: WI
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:
About 5 years ago Equifax had my name mispelled and my birthday wrong. It took me multiple times to correct but it has happened again. It is happening because Equifax is using information provided from soft requests. They are getting companies that steal information online about me and use that information to get information about my credit using soft requests. I know this to be true because I use certain shortened versions and mispelled versions of my name on NON FINANCIAL sites that ask for the information for their records. Examples of these sites are XXXX, XXXX, XXXX and such. These are sites that have nothing to do with my financial records and are very susceptible to personal information being stolen. That same information again showed up on Equifax. I have again reported this to Equifax and am in the process of correcting it but since this is the second time it has happened I believe they need to be investigated. The collusion that happens between financial organizations and the big three credit reporting companies is hurting the average consumer. In the last 7 years I have one 30 day missed payment that was not my fault. It is showing up on one of the reporting agencies. That one wrong reported 30 day is costing me about XXXXpts on my score. The credit reporting companies make it near impossible to correct anything. For example ; if you do not have the correct birthday listed, you can not open a dispute online. It took me a few hours of reading and calling to finally find a phone number for disputes. The Consumer Protection agencies are not doing a good enough job making sure the consumer is protected. Please look into the fact that Equifax is somehow getting information from personal sites and using that information on its reporting. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: Bread Financial Holdings, Inc.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I ordered products online on 4 separate occasions in a one month period. The first was offered at 9 % interest for a 24 month period. The subsequent 3 loans were 6 month zero interest if paid in full. 
When payments are made, PayPal only allocates payments to the first 2 loans. Since the first two loans are the highest balance, I will never be able to pay off the second 2 loans prior to the 6 month time period. I have paid two months in excess of the minimum due and have asked that these excess amount be applied to the last two loans ; however with repeated attempted all I get is an automated response that is unrelated to my issue.

I believe PayPal should allow me to direct application of any amounts in excess of the minimum due at my discretion. If not, PayPal will have effectively forced me into paying retroactive interest on at least the last two loans, and probably the send zero interest loan because payments will not be applied at my direction. 
As a borrower of this money, I see these as three separate loans to be paid as I desire. If PayPal considers these a single loan with different offers, then monies should be applied equally across all loans ... .but either way, I should be permitted to direct excess payments at my consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: ALLY FINANCIAL INC.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My wife received unemployment benefits due to the pandemic. She can't read English very well and isn't adept at computers so I had to fill out the forms to make it happen. I added her as a co-owner of my bank account at Ally Bank and so I put this account number into the form to receive the funds from the government.

The problem is that for whatever reason, my request to add her to my account didn't go through at Ally Bank and I did not realize this. I added her to my other bank ( XXXX XXXX ) and they added her as co-owner immediately. However, Ally Bank asked for additional documentation because my spouse is a foreign national. I gave them the additional documentation and assumed that it had been taken care of. 

A few months into her receiving her unemployment benefits, Ally Bank locks my account and tells me to contact them. 

So I call and after waiting on hold for a while, the woman comes back and says in an accusatory voice, " Who is ( wife 's name ) to you? ", I say, " That's my wife. '' She must have thought I was lying because she then says, " Yeah? We're ending our relationship with you. Your account received funds for ( wife 's name ) which is not your name on the account. '' As I try to explain that I thought she had been added as a co-owner of the account, the rep hangs up on me mid-sentence. When I tried to call back, I found that my number was blocked. 

I understand that it may look strange because my wife is a foreign national and has an XXXX name while my name is quite plain. However, I do have a marriage certificate that shows we were married on XX/XX/XXXX in Pennsylvania. 

The incident with Ally Bank happened XXXX, XXXX and it is now XXXX, XXXX and I have not heard anything from Ally Bank. However, they keep sending me paper statements for my account which show that I have {$10000.00} in the account.

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 2020-05-21
Company: EQUIFAX, 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX N/A XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: Alabama Housing Finance Authority
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicing provider ( XXXX ) is supposed to pay my Hazard ( Homeowners ) insurance from an escrow account. My XXXX ( underwritten by XXXX  ) policy was going to lapse on XX/XX/XXXX if payment was not remitted. I followed up with XXXX at the end of XX/XX/XXXX and they indicated they had not received a bill for the insurance renewal. I contacted XXXX and they faxed the renewal bill to XXXX. On XX/XX/XXXX I  paid the insurance policy in full ( {$840.00} ) to prevent a potential lapse. On the same date, XXXX paid {$680.00} to XXXX from my escrow account. 
I have requested a refund from my escrow account for the partial unpaid amount.

Company response to consumer: Closed with explanation