BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX {$4100.00} Date OpenedXXXX XXXX {$300.00} XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXXDate of Inquiry : XX/XX/XXXX XXXX 
Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2021-01-20
Company: Experian Information Solutions Inc.
State: VA
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:
Good afternoon, Between the dates of XX/XX/XXXX and XX/XX/XXXX, I applied for mortgage pre-approval with six different lenders, in an effort to identify the best rates. 

I did so in the comfort that this would only be recorded on my credit report as a single inquiry, on the basis of the CFPB 's guidance below : https : //www.consumerfinance.gov/ask-cfpb/what-exactly-happens-when-a-mortgage-lender-checks-my-credit-en-2005XXXX To my surprise, the inquiries were recorded as separate inquiries by each of the credit reporting agencies. As a result, my credit score declined over time as the later credit inquiries were submitted. 

I spoke with agents, supervisors, and supervisor 's supervisors at XXXX, and XXXX. l also called Experian, but their automated system did not let me speak with a person. I was unable to resolve the issue in any of these cases. In the case of XXXX, the supervisor 's supervisor explained that different credit scoring modules calculate credit scores differently, with some recording mortgage inquiries within a 45 day window as a single inquiry, while others record inquiries only falling within a 14 day window as a single inquiry. 

Please can I ask that all three credit reporting agencies change their reports so that all inquiries within the 45 day period are recorded as a single inquiry in all cases, regardless of which credit scoring module is used? 

Many thanks! 

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 2020-05-30
Company: CIBC BANCORP USA INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a new account with XXXX XXXX ( Online Agility ) on XX/XX/XXXX. The advertised rate on that day was 1.45 %. When the account funded on XX/XX/XXXX on completion of the test deposits, the interest rate was lowered to 1.35 %. I tried to stop the opening transfer, close the account or withdraw the money and they told me I could not do any of these or have access for 30 days even though they changed the rate from the one advertised and the amount is less than {$5000.00}. This is false advertising, and they should not be allowed to do business this way. I just want to access my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Experian Information Solutions 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:
My XXXX XXXX account was opened in XXXX and continues to be open today. In XXXX of XXXX, I received a letter from XXXX XXXX stating I was 90 days past due on my account. I paid off the account in XXXX of XXXX with a payment in excess of {$8300.00}. Since XX/XX/XXXX, only monthly subscriptions were charged to the account and I continued paying the small bills. My credit was very high ( XXXX ) in the beginning months of XXXX, however, this has destroyed my credit and needs to removed immediately from my credit file. I called XXXX XXXX in XXXX of XXXX and asked for an explanation as to why I hadnt received any bills in the mail until I received a 90 day delinquent notice. I was told by the representative that I had changed my billing to electronic. This is a complete falsehood. I never opted to receive my bill electronically and I asked the representative to tell me what email they have and she stated they had XXXX. I never received or responded to any email from XXXX XXXX stating that I wished to change my billing preferences. I would like XXXX XXXX to produce the correspondence showing that I elected to receive my billing statements electronically. If that can not be produced, I believe that XXXX XXXX should remove this derogatory information from my credit file with all three agencies. Additionally, I hired XXXX XXXX to try and rectify the situation and it didn't seem to fit any of their pre-determined categories. I wasted over {$300.00} with their service. I never changed my billing preferences and never received a bill to pay until I received a 90-day letter in XX/XX/XXXX. My account was paid in full immediately after receiving the letter in XXXX of XXXX. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: EQUIFAX, INC.
State: AL
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 sent the burea a letter stating that my information is incorrect and that I had fraudulent activities and someone been putting bills in my name its been over 45 days since I sent the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: ONLINE Information Services, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was in the hospital late last year due to a rare XXXX. All of the $ XXXX I was billed went to my health insurance and was paid, subject to co-pays. No issues there. In XXXX of this year, I attempted to refinance my mortgage and discovered 4 collection items on my account. This did not allow me to refinance my mortgage at the time of the low rates and cost me about {$70000.00} long-term. 

I was able to contact the collections company with info obtained by my mortgage broker. They advised these were bills from when I was in the hospital. They advised that these had already been submitted to my insurance company. I advised that was impossible, as I wasn't even aware of these bills. They later agreed. 

The collections company agreed to submit to my health insurance. Two weeks later, they have still not done so. The collection company would not give me information for this company that supposedly billed me and sent me to collections, so I had to dig online. 

After a couple weeks, I found this company " XXXX XXXX ''. I called them earlier this week and they advised that they had sent me one letter ( while I was still in hospital ) and texted my phone ( not even sure what phone I had when I was in hospital ). During the call, I gave them my health insurance info, and they advised they would send to my insurance company and notify the collections company to remove the accounts. Today, I called back to ensure this was happening, and, unsurprisingly, it was not. They had not yet contacted my health insurance company or the collections company, and instead had false notes regarding my interactions with them. They said I left a voicemail, but they tried to call me back and couldn't reach me. All of that is untrue. I had voice-to-voice contact with them just two days earlier! 

My issue with them is still not resolved, and at this point, I literally can not get either the collections company or this company to get this properly submitted to my insurance and remove my collection accounts. I work in the insurance arena, though not health insurance. Frankly, it boggles my mind that these types of companies are allowed to operate. Had I not had several friends as lawyers and financial advisers, I never would have even been able to find this company. They didn't bill me, sent me to collections, hid, and cost me {$70000.00} of potential savings on my mortgage. It's almost surreal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: DISCOVER BANK
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: Account status incorrect

Complaint:
All these accounts are closed and should have not negatively impact my credit score. My credit went Down XXXX points because of this negligence I need someone to personally email or fix this issues on my credit score because this is wrong on all parts. My credit was at XXXX then went down to XXXX Im very upset please fix this error

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 sent the burea a letter stating that my information is incorrect and that I had fraudulent activities and someone been putting bills in my name its been over 45 days since I sent the letter.

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 2021-03-29
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Credit agent Experian XXXX XXXX I have disputed a XXXX XXXX account on my credit profile with Experian 3 times for inaccurate information, they keep updating this account to recent activities..this account need to be removed 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 2018-03-10
Company: AES/PHEAA
State: HI
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:
XXXX denied an IDR application I submitted two times, each time acknowledging they had made an error and promising to submit it correctly. 

XX/XX/XXXX Submitted IDR application. 

XX/XX/XXXX XXXX XXXX XXXX believes the XX/XX/XXXX letter in the mail was sent in error and I do not need to re-certify by XX/XX/XXXX, which is why my IDR application was denied. 

XXXX put me on hold and discovered that because I had changed my due date in the summer of XX/XX/XXXX, I am still due for recertify. She stated she will submit for review and the person who had processed my IDR saw the wrong date so denied my IDR application. When I changed my due date in the summer, I still had 6 months of the 12 months which would be now. She will submit the application for review again. 

About a 30 min. phone call. 

XX/XX/XXXX XXXX - sending me to a specialist, I waited 10 mins to speak and I will have to wait another 5-10 minutes. 

XXXX-I had to ask for her employer id. 
Placed me on hold for more than XXXX minutes. 

The second IDR request submitted for review was denied because the person assumed that I was doing it too early ( Similiar to the first denial ). She had someone come and look who processes IDR application since she does not. They will try to process it by the end of the business day today. 

Again, a phone call of at least 30 mins.

XX/XX/XXXX XXXX Called to follow-up on my application status since they stated it would be processed on XX/XX/XXXX. He noted it shows an expedited app. process on XX/XX/XXXX He is going to one of the processors to see where it is on the cue. He stated it will take 3 days, maybe up until next week due to the snow storm. 


XX/XX/XXXX XXXX - I called because my IDR application should have been approved, not denied, again. She said it was not her department. I said I wanted to file a complaint and she said she would transfer me. 

Did not get this employer ID #. 
She apologized for my application being wrongly denied. She stated she will personally have it done by today and by Weds. morning I should have something in my inbox. 


The same application I had submitted on XX/XX/XXXX was finally processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: REGIONS FINANCIAL CORPORATION
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Our parents had two accounts in a Regions Bank brand in XXXX ( at XXXX XXXX XXXX XXXX ) with an aproximate balance of XXXX dollars, They died at the beginning of XXXX, my brothers and I sent the documents required for the bank as the universal heritage document issued by a court of our country, XXXX, ( translated in english and XXXX ) and other documents as our parents passports and XXXX Id. 
The bank sent us an email telling that all the documents were ok and they were ready to issue the checks with the amount of the two accounts ( savings and money market account ) to us ( the universal heritages ). Just few days later they sent another email were they explained that the money of those accounts were withdrawed by a phone transfer to an account in the XXXX XXXX XXXX. So they told us that as we don't appear as beneficiary in one of the accounts we needed a letter of administration to one of us to claim the return of that money ilegally withdrawed. 
In the money market account only signed my father and my mother was the beneficiary. In the checking account signed both of our parents and we are the beneficiarys. 
The universal heritage document issued in XXXX made first the heritage procedure to my mother and then to us. 
The bank refuses to gives us the easiest way to recover the money that legally belong to us. 
The case has been managed by XXXX XXXX ( XXXX relationship Sr. consultant, phne number : ( XXXX ) XXXX and XXXX XXXX ( Vice president of Consumer Banking, XXXX South Region )

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 2018-05-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX/XXXX XXXX transferred a mortgage that had been paid in full and released a XX/XX/XXXX mortgage with XXXX that had already been released. We continued to pay XXXX under threat of foreclosure until they released a XX/XX/XXXX mortgage that was also released twice. Now we are transferred to SPS also under threat of foreclosure for a brand new loan no one ever gave us.

1. They are collecting {$8700.00} for {$6900.00} Taxes and insurance 2. In XX/XX/XXXX there was a new loan set up that no one gave us and charged us a {$450.00} late fee.

The only explanation is that the loan started over. - what does this mean? What is this loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: EQUIFAX, 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:
Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX  XXXX {$28000.00} XXXX XXXX {$2800.00} XXXX XXXX {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: UMPQUA HOLDINGS CORPORATION
State: OR
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 open a checking account with my XXXX that I've been receiving for 28 yrs. This XXXX XXXX charged me over and over for months XXXX till they bill got up to XXXX dollars repeatedly took my whole check which was automatically deposited every month they did that without asking me they are a bunch of crooks And I see there CEO is up on charges for the same thing they did to me Please help

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 2021-03-30
Company: WELLS FARGO & COMPANY
State: MO
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:
XXXX reported my Wells Fargo DealerXX/XX/XXXX account with a balance. It is paid in full. They also show no data of payments made XXXX through XX/XX/2020. Prior to my dispute with XXXX it shows my payment history I made monthly payments through the no data they reported now. Ive made my monthly payments and paid account off early.

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 2018-07-31
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I was notified by mail On XX/XX/XXXX that a writ of garnishment was being filed on me. I do not know who the original creditor was. The letter seemed to be from the XXXX XXXX County Clerk of Court in XXXX XXXX, FL. The amount that is being garnished from my account is {$2000.00} dollars. The letter stated that I had 20 days to reply to the letter before any action being taken. Along with the letter was a claim exemption form that I needed to fill out and send to the Garnishee ( My Employer ) and the Attorney for the Plaintiff which I did within the given time frame. 

I received a second letter that was dated five days later stating that the garnishment went into effect immediately without them waiting for the given time frame to expire and without getting my response or claim exemption form first. As I checked my pay stub, it shows that my paycheck was garnished {$240.00} for the pay period. I am furious, and disturbed that this can happen to the head of a household that earns less than {$750.00} per week. I need help and answers. The Plaintiff that is garnishing my wages is XXXX XXXX. 

* To further make matters worse, the correspondence that was sent to me has my first name misspelled. This may not even be a debt that I owe or that is even my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Experian Information Solutions 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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXXXXXX {$6500.00} XXXX XXXX {$4600.00} XXXX XXXX {$5400.00} XXXXXXXX XXXX  XXXX {$9800.00} XXXXXXXX XXXX  XXXX {$180.00}

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 2017-08-01
Company: HCFS Healthcare Financial Services of TeamHealth
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company, which I hold no contract with nor have received services from, reported a collection account against my ssn in the amount of XXXX. I filed a dispute requesting validation of the debt and account, however they have not provided any proof. I am not obligated to this alleged debt because I have no signed or verbal contract with this business nor have I received any services from them.

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