BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-25
Company: BBVA FINANCIAL CORPORATION
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
There is no option to completely pay off a personal loan online. The instructions state to call and there is a phone number provided. I first contacted the institution on XX/XX/19 to pay off my loan. Due to the loan amount XXXX XXXX balance ) I was told they could only accept XXXX limit over the phone. I was also told I could pay the additional principle but only online. The rep stated after that payment cleared XXXX which would take 3-5 business days XXXX, then I would be able to pay off the remainder of the loan. At that time I submitted the additional principle of XXXX. I received a confirmation number. I checked my bank for pending transactions on XX/XX/19 and did not see the principle amount. I could see another regular payment as pending. I contacted the institution with the confirmation number and was told they did not have any pending payments. I again attempted to pay the principle amount online. I received another confirmation number. On XX/XX/19 I received an email from BVVA stating the principle payment was a failed transaction. I immediately confirmed I had more than enough funds in my banking account to cover the amount. I looked online at my BVVA account and there is another regular payment pending. There is no record of the principle payment. Again, I contacted the company and was told they had no record of the principle payment - even though I again supplied them with the confirmation number. The service reo suggested I mail in the payment, which I refuse to do. There are no freestanding locations to physically take the money to pay off my loan. I believe this company is fraudulently not allowing me to pay off my loan in order to receive more interest monies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-25
Company: Credit Plus Inc
State: PA
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 recently purchased a property in XXXX. However there are several hard inquiries that are negatively impacting my credit score even months after my purchase. I was told these would not hurt my score but that is not the case as I see these are being factored in : XXXX XXXX, 2017 CREDIT PLUS XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2017 CREDIT PLUS XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CREDIT PLUS XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern, I am writing to bring to your attention significant inaccuracies in my credit reports that require immediate attention and correction. I have diligently disputed these discrepancies multiple times, yet they continue to be reported as verified, which is in direct violation of the Fair Credit Reporting Act that mandates accurate reporting. As per the law, you have 15 days from the receipt of this letter to investigate and rectify the discrepancies as outlined below : Account name : XXXX Account Number : XXXX ( XXXX )/ XXXX ( TransUnion ) Account Type : Revolving Account Type - Detail : Credit Card Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( TransUnion ) XXXX : {$690.00} No. of Months ( terms ) : XXXX High Credit : {$840.00} ( XXXX )/ {$0.00} ( TransUnion XXXX XXXX XXXX : {$500.00} Past Due : {$690.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( TransUnion ) XXXX Last Active : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( TransUnion ) XXXX of Last Payment XX/XX/XXXX It is evident that the information being reported on my credit report is both inaccurate and damaging to my creditworthiness. I urge you to thoroughly investigate this matter, contact the creditor in question, and ensure that the information is corrected to accurately reflect the status of this account. I have attached supporting documents that validate my claims and demonstrate the discrepancies between the reported information and the accurate details. 
Furthermore, I request that you provide me with a written confirmation of the actions taken to rectify these inaccuracies once the investigation is complete I trust that you will treat this matter with the urgency and seriousness it deserves. Failure to comply with the Fair Credit Reporting Act 's guidelines could result in legal action. I appreciate your prompt attention to this matter. 
Sincerely, 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 2023-04-25
Company: Experian Information Solutions Inc.
State: IL
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

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 2021-11-12
Company: Affirm Holdings, Inc
State: TX
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 name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

The XXXX Credit Bureau is reporting inaccurate information on AFFIRM INC ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
These accounts for student loans were charged off and then taken repayment from tax return accounts were charged off I had to report and tax intercept to repay they should not be on 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 2022-09-13
Company: Experian Information Solutions 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 XXXX XXXX XXXX Acct # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2018-02-06
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted your organization a few months ago to complain about my mortgage company, XXXX XXXX XXXX. I pointed out that they had taken over my loan from XXXX and had failed to give me any consideration for homeowner assistance programs. After filing this complaint, Rushmore did respond and requested that I provide them with the updated financial information. I sent in all of the documentation that showed I now had a change in my finances and was making more money. Rushmore told me I needed all of the paperwork in no later than XX/XX/XXXX in order for them to conduct the review. I got the paperwork in to them the last week of XX/XX/XXXX, but then they changed their tune and called me and told me they were unable to review, that the ACTUAL cut-off date was XX/XX/XXXX. This is just another example of Rushmore Loan Management engaging in unethical foreclosure practices. Since they took over my loan from XXXX they have consistently lost paperwork, changed account managers and failed to review my current financial information and give me access to the government and internal programs they have so that I can save my home. I have lived here since XX/XX/XXXX and XXXX XXXX XXXX XXXX  for just as long. Approximately one year ago I began having serious health issues and was forced to be hospitalized for XXXX XXXX XXXX. By the time I got out of the hospital I was behind on the mortgage, and unable to work. I have now been classified as XXXX  XXXX and I am on a fixed income. I have repeatedly tried to get Rushmore to engage in a fair and transparent negotiation so that I can resolve the matter of my delinquent payments but this has proven to be difficult. It is a constant runaround and paper chase and it seems that they are intentionally trying to stall so that they can foreclose on my home. I think it is wrong to mislead a US veteran who is now XXXX and try to force me out and not even give me chance to fix this situation. To make matters worse, Rushmore PRETENDED they were going to work with me and help me, and then when I submitted the information they said sorry, you are missing one signature on the XXXX so we are kicking you out of review -- and also, you sent this in to us too late!! Even though they had given me a different date when I first contacted them. Rushmore has now set a sale date for XX/XX/XXXX. This is wrong, they need to be stopped!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX Date Opened : XX/XX/06 Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-09-23
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the Experian and XXXX credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00}, DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00}, DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}

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 2023-04-12
Company: Experian Information Solutions Inc.
State: TX
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward to the quick deletions of the following items : XXXXXXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-09-13
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:
TRANSUNION HAS FAILED TO PROPERLY INVESTIGATE MY DISPUTE IN REGARDS TO THE PUBLIC RECORD ON MY TRANSUNION CONSUMER FILE THEY CONTINUE TO MISLEAD AND VIOLATE MY FCRA RIGHTS .. CASE NUMBER # XXXX WAS WITHDRAWN BY THE UNITED STATES BANKRUPTCY XXXX XXXX IVE FILED NUMEROUS DISPUTES, AND THEY ARE OVERLOOKED IVE EVEN CONTACTED TRANSUNION 'S 3RD PARTY VENDORS, XXXX AND XXXX... AND YET TRANSUNION VIOLATES MY RIGHTS AND GIVES ATTORNEY GENERAL MISLEADING INFORMATION.

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 2021-03-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
The vehicle was declared a total loss by USAA insurance and the insurance policy had gap coverage. The loan was thru USAA 's banking branch. They came up with an arbitrary figure of {$71.00} that was still owed on the vehicle. I disputed this multiple times due to the coverage I had on my auto. I did not pay the {$71.00} because it should not have been there with the coverage I had the loan should have been paid in full.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-24
Company: Experian Information Solutions Inc.
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:
It matters not how many times I report these errors you do nothing to correct them. Once again incorrect data and I am denied a loan or get a usurious rate in attempting to finance. In my opinion you inhibit me from gaining financing because of your inability to provide the correct data and score in a timely manner. This is most adverse to those who you allegedly report accurately on. Passing the buck to banks and lenders who have no interest in timely reporting because in the delay they can make more money- fact!. In this case you received confirmation of balance from a lender days ago to insure it was posted in a timely manner and it is still incorrect! You even prohibit me from dispute and correcting it- that alone says a lot. You also allow unknown entities to inquire on my account unauthorized and then have the gall to lower my score which I consider evil. Where is the business ethics? Also I am allowed by law to shop but your oblivious to that since you do not even allow that! CREDIT History inaccurate Submission Failed icon -You have previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute, you can upload the documentation here. If the information is relevant, then a new dispute will be opened. You can also contact us at XXXX or contact the data furnisher of this information regarding your dispute. Really says a lot about you. You would rather report incorrectly and keep my score low! So I am penalized because THEY fail to report in a timely manner. BY opinion a great evil scam! Why are you disputing?? CREDIT UNION? Balance incorrect error icon There may be a gap in the time that your payment is posted by the credit grantor and the date it's reported to Experian to be recorded on your credit report. You got that right! We'll update your balance as soon as we receive your payment information from your creditor. Meanwhile whats my score and why did it go lower? As for the 42 inquiries you always warn me about- who the He @ # gave them permission- OH YOU- got it- I never gave them permission but yet you lower my credit score to XXXX because I have nothing to say to stop them. It speaks volumes XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX Real Estate. This inquiry is scheduled to continue on record until XX/XX/XXXX. SURE KEEP IT ON AS LONG S POSSIBLE -WHY- it keeps my score lower- Great Job! Not disputable online to who you are! Need more? I think not you know who you are and why.

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 2021-03-24
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Account : XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX  # XXXX I have not been late on the account and request Method of verification for late payments. Per the Care Act and payments made on the account should not have been registered as Late. 

Please correct payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX I submitted a transfer request at Ally Bank for {$1500.00} to send to my XXXX XXXX account. On XX/XX/12 they said my transfer was suspended and I can not use transfers for 1-2 business days. I called several times and was repeatedly hung up on and then told I would not have access to any of my funds for 1-30 days pending a fraud review. I can not access the online account and the agents are not being helpful.

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 2022-09-13
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  XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-01-07
Company: DISCOVER BANK
State: GA
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:
I asked for a refund of {$70.00} which is an XXXX XXXX cleaning service total. I asked for this money back as there were finger nails, 2, on the ground as well as multiple hairs in the bedazzled well as other issues. 
Discover told me I was denied the refund for various reasons like I didnt take the proper steps to file a dispute. 
I have hard closed my account with them. I will pay the balance minus the {$70.00} I am not getting back. 
I have never heard of multiple businesses being OK with unsanitary practice. 
Discover sounded completely fine with businesses using unsanitary practices. In the pictures attached, please see the hairs and what appears to be straw underneath the nail.

Company response to consumer: Closed with explanation