BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-18
Company: EQUIFAX, INC.
State: SC
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:
After several Attempts Im trying to remove these unauthorized inquiries of my credit report Equifax want every time I called it was poor service and they gave me the runaround never got it correct answer And which day inquiries are not accurate the dates are. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: EQUIFAX, 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:
Credit Reporting Agencies are mandated by the FCRA but refuse to answer the question ; where is verbal permission allowed in the FCRA for companies?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
There are serveral account reporting I didn't authorize these accounts are violating my rights. Please remove these inaccurate accounts from my credit report and send updated copy to me. 
XX/XX/XXXX # XXXX {$500.00} # XXXX {$55.00} - I DON'T EVEN KNOW WHAT THIS IS XXXX XXXX XXXX {$800.00}XX/XX/XXXX# XXXX {$960.00} i'VE Tired reaching out to each company and got no help! These accounts are fraudulent and causing me great distress. I'm having a hard time getting approved for house because of these accounts that does not belong on there. The credit reporting agency is violating my rights. Please remove these accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Signed up for a new credit card from bank of america and setup automatic payments as soon as I got the card. The payment did not work for the first payment ( which was due several weeks later ) though no such thing is mentioned during the payment setup. ( See attached file. ) When I noticed the late fee I called the bank and was told that if I make a manual payment and give the confirmation number they will cancel it. I did this and the late fee was cancelled. 
Several days later an interrest charge appeared. I called again and was told that they have already considered that I am a long standing customer and have made a partial refund of {$0.00} ( out of {$37.00} ). 
I have since paid the subsequent balances and cancelled the automatic payments with the goal of cancelling the card soon.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-21
Company: EQUIFAX, INC.
State: CO
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:
I've disputed items on my credit report. Equifax has dropped my score by 125 ... When I contacted Equifax they explained they dropped my score because I'd disputed items. This was stated on an open and recorded line.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: EQUIFAX, 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:
Disputed XXXX XXXX XXXX {$7400.00} XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2018 To Whom It May Concern, The vehicle in question was purchased and ( Involuntary repossession ) in the state of XXXX. I dispute this claim, and it has been removed by XXXX and XXXX due to violation of my rights and F.C.R.A. law. I have contacted the creditor and the entity stated that the last Bureau should follow and remove this account as the other two have, because the account was settled ... this is a serious error, and I also contacted XXXX XXXX XXXX to be informed that they did not verify this account for you ... litigation will follow, if error is not corrected, and fabrications cease ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: EQUIFAX, INC.
State: WA
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:
On XX/XX/XXXX a company by the name of XXXX XXXX XXXX illegally added an old account from 3 years ago, ( that I included in my Chapter XXXX Bankruptcy schedules ) to my XXXX   credit report as an owed debt they're trying to collect on. The original creditor was XXXX XXXX XXXX. So I disputed this directly with the collection agency XXXX and credit company XXXX, as well as filed a CFPB complaint. Days later, before XXXX received my bankruptcy schedules, showing the original creditor, they sent me dispute results stating that the creditor verified information and would stay on my report. A few days after this, upon receiving my bankruptcy schedules, XXXX  realized XXXX XXXX XXXX was being dishonest, so XXXX then updated my dispute results showing they removed XXXX and XXXX XXXX from my credit report. on XX/XX/XXXX, I decided to check my other two credit reports ( XXXX and Equifax ), and realized XXXX XXXX XXXX had also included this old account on to these reports as well. Being that I disputed them directly showing proof that they were illegally trying to collect on a discharged debt, they listed the account differently on XXXX and Equifax reports. It's listed under collections, showing it was included in my bankruptcy. Thing is, any other accounts listed under my bankruptcy aren't listed as collections because they are no longer owed debts. I tried disputing this, getting the information removed with both XXXX and Equifax, being that its false reporting which is against the law. I just received a new report and dispute update from XXXX showing they removed XXXX XXXX XXXX from my credit report, while Equifax says it'll remain on my report showing as a collection. This company maliciously added this information to my credit report, 3 years after me filing bankruptcy and is very damaging to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: GREAT LAKES
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
called Great Lakes Servicer to ask if the loan was government or private but was told that the account was handed over to XXXX which is a collection agency and explained to Great Lakes that this is no longer a government loan but a private loan and was explained to me that they are working for Great Lakes Services to collect the debt. but according to my credit report will show that the account is up to date and paid on time. XXXX  back in XX/XX/XXXX and did a back ground check on the School which is XXXX College had shut its doors due to accreditation making students pay for loans knowing that the process that they used is waste fraud and abuse knowing that the classes that were taken could not be transferred to a regular college or university. Since this school has closed its doors no student should have to pay back this loan and therefor should be permanently discharged whether the student graduated back in XX/XX/XXXX or XX/XX/XXXX. This loan should not have been handed over to a collection agency knowing good and well the account was being paid up to date as noted on the consumer credit report which will be mailed to the Consumer Protection Financial Bureau as evidence. The consumer asks that the loan be completely discharged and reported to all three Credit Reporting Agencies as such due to school disclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have had no luck escalating my complaint with their customer service department so if you could please forward my email to the correct people to get it resolved. 

This complaint is regarding claim number XXXX for {$130.00}, I was sent an unable to be paid letter back in XXXX, the letter state the merchant had rebuttled my claim, and that their rebuttal is attached, there were no documents attached, so I called up your customer service line the first time, they also could not find their rebuttal documents, so it was escalated the first time. I called up a few weeks later to find out the status of the escalation, and they said a letter had been sent out, so I wait a week later and I get the same letter I got in XXXX, saying unable to pay and the rebuttal is attached, so I called up again, repeat the same process, and now for the third time I am receiving the same letter with no info. Very frustratedly I called up again and explained the situation and they said due to being unable to pay they cant help me, now I understand getting the unable to pay letter but I am supposed to have the chance to appeal to whatever the merchants rebuttal is. I have never received that chance and am out the {$130.00} that I dont believe I should have been charged for. 

Can you please address this, this has been going on for far too long.

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 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
TRANS UNION CREDIT REPORTING AGENCY has a freeze on my credit report that I did not authorize nor issue. on monday XX/XX/2020 I spoke with a representative when trying to access my account online being I had been notified of a credit freeze on my trans union account. The representive was insulting and misguiding and stated she would e-mail a password reset link. I called back spoke with a male representative claiming their system was down. However, I keep having this issue with them and I have good reason to believe they are participating in covert harassment and possibly attempting to prevent me and other companies from viewing my credit report being it is possibly incorrect and/or attempting to prevent me from filing a dispute on inaccurate items on my credit report for another entity. The representative made a statement saying " You can't use us to get a loan '' I never mentioned to them I was trying to get a loan However, that's how I was notified that i had a freeze on my credit report while attempting to apply for a loan online but never said this to them. I've been hung up on or system is always down or left on hold for hours and no one returns. I worked in credit for 12 years myself personally and I know they are violating my rights

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 2019-06-06
Company: PROVIDENT FUNDING ASSOCIATES
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a home mortgage with Provident Funding and we have repeatedly run into issues with poor service and process requirements which are a detriment to their customers. 

My most recent issue : My home received wind damage to the roof from a thunderstorm. I received a claim check in the amount of $ XXXX from my insurance company made out to me and Provident Funding. I sent the check to Provident for endorsement. First, they deposited the check in their own account rather than endorsing it and sending to me. Provident then held funds for 5 days.. After which they issued a check to me AND the roofing contractor. This now forces me to only work with that roofing contractor for the full amount. I am unable to withhold funds if there are issues that I want the contractor to resolve before full payment. 

I called Provident Funding customer service. The customer service agent said that issuing to the contractor was a requirement of their investor, XXXX XXXX. I asked them to send me documentation of those requirements and they refused. ( " We do not email our customers, even at their request. '' ) I then reviewed the posted guidelines from XXXX XXXX online and the guidelines do NOT require this. I raised the issue to the customer service manager, XXXX, and he acknowledged that the current guidelines do not require this. However, he then claimed that the posted guidelines were " new '' and Provident was not required to follow those guidelines for another month.. Since we both agreed these were the current guidelines, I asked them to re-issue my check per the guidance from XXXX XXXX. He said that regardless of the current guidelines, Provident was not required and so, NO, they would not. He made no apology for their delay in following the guidelines. 

My complaints : - Provident provided me with false information about current guidelines. They only acknowledged the error when I researched and pointed it out to them. 
- Provident is intentionally delaying their adoption of the current guidelines for their own profit at the expense of consumers. They are doing this by holding claim money longer than needed so that they can collect interest which is not rightfully theirs. 
- The attitude from their customer service manager was poor. 
- They refused to provide me anything in writing to back up their claims. They told me to " XXXX it '' myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX is reporting a late that I do not owe. I paid this online and was not informed that the payment did not go through, this late is not my fault. I would like for this to be removed off of my 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 2019-06-06
Company: Finance of America Mortgage LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This complaint is about finance of America. They purposely held onto my loan documents & refused to send them to the escrow/title company. I was forced extend the closing date from XXXX/XXXX/2019 to XXXX/XXXX/2019. Which was done on XXXX/XXXX/2019. This left me homeless with no address. I'm a single mom with XXXX year old son. Unable to get a hold the loan officer handling my case, he refusing to return any of calls/text messages/emails. Leaves his office early sometimes doesnt show up at his office at all. The realtor involved has lied & made excuses as to why the process is being delayed. I have tried to work with the office manager  for finance of America, but felt I was being told a story. I feel like this is fraudulent scam & im being taken advantage of, as I have paid for earnest money {$2500.00} cleared my bank on XX/XX/XXXX. Inspector was paid in cash on XX/XX/XXXX. Paid appraisal {$700.00} cleared my bank on XX/XX/XXXX. Now I'm being told that I can't get any of that money back. I was supposed to sign & get my keys on XX/XX//2019. With the lack of communication from the loan officer, this has left me homeless with no money, no address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: Specialized Loan Servicing Holdings LLC
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I sold our house at XXXX XXXX XXXX XXXX, closing XX/XX/XXXX, 2017. The settlement statement is attached. The loan, # XXXX with SLS was paid off. Since then I 've received to bills from XXXX. About 2 weeks ago, the first one arrived and I called. SLS told me to send the settlement statement by email, which I did. I never heard back until XX/XX/XXXX, when another bill arrived. I returned the bill by mail along with the settlement statement and a short letter describing the problem. I 'm also sending this information to the title company that handled the escrow.

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 2020-11-18
Company: World Omni Financial Corp.
State: HI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Hello, and I hope all is well. Thank you for taking the time to review the complaint. Purchased car XX/XX/2014, signed contract, drove off the lot. XX/XX/2014 sent a new contract to sign. Email is about gap insurance. In 2014 entering into an agreement with XXXX XXXX XXXX XXXX. for a XX/XX/XXXX XXXX approved for a loan payment of XXXX/ month. Multiple violations occurred during the time of sale. Violations of the UDAAP ; Strategic and Credit Risk. 
Exposing the borrower to credit risk due to the loan 's modifications- At the time resilience score was moderate ; not using risk mitigation strategies, the bank failed to monitor, modify, and control risk. The Initial bill of sale is to ensure payments were able to fulfill the duration of the term. Modifications were the GAP insurance and The Car Warranty. With increasing material losses and Bank failures, my credit score and creditworthiness are compromised. Please review the attached emails. 

Unfair Deceptive Abusive Act Practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2019 I made a payment of {$1900.00} on my Discover credit card that resulted in a balance of XXXX. After the payment processed I made multiple purchases between, XX/XX/2019- XX/XX/2019, that totalled {$910.00}. Today, XX/XX/2019, while attempting to make a purchase at a XXXX. My credit card was declined and I learned that my credit limit was unknowingly decreased from {$2000.00} to {$500.00}. I proceeded to contact Discover and a representative informed me that notification of the decision was being mailed out to me. This presents a problem, as I'd already made purchases that exceed the amount of my new credit limit prior to it having been lowered. Additionally, this results in my revolving credit usage percentage for this card now being around 200 %. Which negatively impacts my credit score and report. I am very upset by this. Had they'd made and communicated the decision to lower my credit limit upon me making my last payment. I would have refrained from using the card. I feel that everything was processed and communicated poorly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-06
Company: Exeter Finance Corp.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
As predicted, it has been 72-hours since the below commitment was made by Exeter and the principal balance of my loan HAS NOT BEEN adjusted. It still remains {$20000.00}!!! 

AND it says my next payment is due on XX/XX/XXXX when the next payment actually due is XX/XX/XXXX!! 

This company is a bunch of crooks! I am not going to be getting the AG office involved. Enough if enough! 

This is the XX/XX/XXXX response I got : Company 's Response XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX Dear XXXX XXXX, On XX/XX/XXXX, Exeter Finance ( Exeter ) received notice regarding your complaint filed through the Consumer Financial Protection Bureau ( CFPB ). Exeter would like to thank you for the opportunity to address your concerns regarding your request to have the overpayment apply directly as a principal reduction. Exeter has thoroughly investigated your complaint, responded to the CFPB and made the following determination. On XX/XX/XXXX, Exeters records reflect that you inquired about making principal reduction payments. In response, Exeter advised that in order to have the full amount of the payment applied as a principal reduction, the account must be paid ahead three months. On XX/XX/XXXX, the account reflected as paid three months in advance. Due to a technical glitch, the funds were not applied according to the payment allocation schedule. XXXX has reviewed and confirmed that the account has advanced XXXX payments and currently there is a partial payment of {$520.00} that has had been applied towards the XX/XX/XXXX payment. In an effort to remediate the complaint, Exeter will manually reapply the partial payment of {$520.00} for XX/XX/XXXX, and apply it in full, as a principal reduction. Your next monthly payment will become due on XX/XX/XXXX. Any partial payment received between now and XX/XX/XXXX will continue to be applied as a principal reduction. As such, any partial payments received after XX/XX/XXXX will be applied as principal and interest payments until the XX/XX/XXXX payment has been completed. Once the XX/XX/XXXX payment has been completed, any additional monies received will be applied towards the principal reduction. If the account continues to be paid ahead by three payments, the principal reduction will continue. Please allow 48 to 72 hours for the system to update to reflect the adjustment. Exeter acknowledges that we failed to provide the best in class customer service and sincerely apologizes for the inconvenience this may have caused. Exeters success is based on customer satisfaction with our products and services, so the issues presented in this complaint are taken seriously and every effort is made to provide a prompt and equitable response. If you have any questions about these or any other concerns, Exeter encourages you to contact the Office of the President at XXXX. Sincerely, Office of the President Exeter Finance

Company response to consumer: Closed with explanation