BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-16
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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you

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 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 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

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 2023-09-07
Company: Maximus Education, LLC dba Aidvantage
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I called Aidvantage on XX/XX/XXXX to switch from an IBR plan to the SAVE plan and was told to expect a response by XX/XX/XXXX. I never heard back from them about my new monthly payment amount, so I called again today, XXXX. The customer service representative said that Aidvantage had never submitted my application. She informed me that since it was after XXXX, I would be charged {$5.00} to switch to SAVE. According to the Department of Education, switching repayment plans should be free ( XXXX XXXX XXXX ). For one, it seems unfair that I was charged for something that was clearly a mistake on the part of my loan servicer. It also seems like a problem that they are not submitting applications. Secondly, why is Aidvantage charging borrowers to switch repayment plans???

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: POPULAR BANK
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: Account status incorrect

Complaint:
Loan orginated in XX/XX/XXXX. It was a heloc with {$65000.00} line of credit/balance. I was told when applying the loan matured in 10 years and if a balance, it automatically converted to a 10 year amortized note. I was notified by Bank Popular in XX/XX/XXXX via letter from their XXXX XXXX Headquarters that the balance was due in full XX/XX/XXXX and there was no conversion clause. I asked why I had not been notified and was told it was my responsibility to honor the terms of the note. I made payments through XX/XX/XXXX ( I have all cancelled checks ) and paid the balance in full the end of XX/XX/XXXX.  They are reporting to the credit bureaus that Foreclosure was started. I live in XXXX. It was a Mortgage Note. In order to start foreclosure a legal notice must be filed with the Clerk of the Court ( XXXX XXXX ). I verified that no filing ever occurred. I filed a claim with XXXX and the result was the Bank claimed it was accurate. I called the Bank and discussed this with them and requested any copies of any Foreclosure filings or documentation. They claimed the account was paid in full and closed and there was nothing that could be done. Spoke with XXXX again and they said that as long as the Bank reports this they can not remove it. I have no problem with them reporting the payment history as past due because of the balloon payment. I should have read the complete note at closing. That was my error. The reporting of Foreclosure on the credit report is making it impossible to refinance my home to replace the {$60000.00} I took from my retirement to pay them as soon as I was aware of the problem. Issue is : fact - they Never Started Foreclosure and the reporting that they did is false.

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 2021-01-19
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: Information belongs to someone else

Complaint:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Wheel City Motors East, Inc.
State: SD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
She called me at XXXX mountain time instead of XXXX. She called three times in a row waking me and its not even my debt she is harassing me about. She is misrepresenting herself as a state investigator and is threatening people with jail time and felony charges over a consumer debt. Given her caller ID comes up as I Secured out of XXXX XXXX, XXXX  she should be able to look up the time difference between XXXX  and XXXX  XXXX. Her tactics are not in compliance with the FDCPA and she doesnt care. XXXX Deposited a new message : " Hi, good morning. This is Investigator XXXX XXXX. I am a state licensed investigator looking for XXXX XXXX XXXX XXXX XXXX. Or someone at this number. Please call me. Let me know if that's the correct number. This is Tuesday, XX/XX/XXXX at XXXX XXXX. XXXX My number, toll Free Direct is XXXX XXXX XXXX. You're possibly involved in a case assigned to my office. I'd like to speak with you this morning. Please call investigator XXXX XXXX. I can speak with you at this time confidentially again, this is investigator more calling for XXXX XXXX. My number toll free Direct is XXXX. Appreciate a call back this morning, please. Thank you. '' Click here : to listen to full voice message.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXX XXXX, I've contacted XXXX XXXX Customer Service and Their response is " they have to put in a ticket. Well, it been a week and ill still haven't been able to access my credit report. I'm really concerned about this. Look for an important letter in the mail and it relies heavily on my Equifax person information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Every time I have made a principle payment on my loan the money goes into a suspense account. I am trying to get my loan to work I am making frequent payments every fifteen days to reduce the principle on my loan and the amount of days I am being charged interest. The process that fifth third bank follows is not working. When I made a payment on  XXXX   XXXX ,    2017  the  XXXX  dollars is just sitting in a suspense account. There online option allows you to make additional payments yet even when I walk in the bank and say hey this check is for my mortgage principle they continue to let the money sit there. It is to their benefit because I continue to accumulate interest and not decrease my balance due to improper processing of funds. IF I am making a principle payment that should not be up for debate or review. It is a delay in the decrease of my loan balance and interest I am being charged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-05
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:
A few weeks ago I sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas you dubiously claim to have somehow verified these items.

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 2022-08-16
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
RE : Loan # XXXX I have sent NewRez several emails asking for an update on the completion of my assumption process. I have not heard back. 

On XX/XX/22 NewRez stated that the underwriting process was completed and loan approved. The timeline they provided to me says that once loan is approved the company has 30 days to complete the assumption. 

This means that all items related to the assumption should be finalized no later than XX/XX/22. I would like NewRez to confirm we are on target for an XX/XX/22 completion date and if not, please describe in detail why that is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: BARCLAYS BANK DELAWARE
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: Information is missing that should be on the report

Complaint:
I had a credit card with Barclay 's Frontier Airlines that was unfortunately closed and charged off due to my being unemployed for several months. Barclays sold that account to XXXX XXXX. I paid XXXX XXXX  and settled the drbt in XX/XX/2021. XXXX XXXX 's policy is pay for deletion, which they have done, however Barclays is continuing to report that debt to being currently theirs to all 3 credit bureaus. I have disputed and submitted the paid in full letters to all three credit bureaus and Barclays, but Barclays refuses to update and correct the information. Because of this inaccurate reporting from Barclays, my credit scores have dropped over 100 points. I have worked hard to save money to pay off my debts and save money to purchase a home. Because of this Inaccurate reporting I can not do so at this time. I need this information that it causing severe damage to my credit worthiness corrected an removed

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 2023-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was having account with this bank and I have credit card my account inf someone used it and the account awas someone stole money I did fraud claim for the money the make my account overdue and they said they can't help my get my money back

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 2022-08-16
Company: EQUIFAX, INC.
State: NC
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 have been requesting that all three credit bureaus fix inaccurate information across my credit reports for months since XXXX XXXX and they said that these accounts was verified as accurate how can this be if all the reports are difference in there reporting.I have given the the chance to do there job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have been requesting that all three credit bureaus fix inaccurate information across my credit reports for months since XXXX XXXX and they said that these accounts was verified as accurate how can this be if all the reports are difference in there reporting.I have given the the chance to do there job.

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 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company 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 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have been unable to access my XXXX XXXX or TransUnion Consumer Credit. I have contacted the firm over the past year for assistance and can not get a representative in the United States. I am transferred to XXXX and unable to get the assistance required. I have been advised by the representatives in XXXX that I am the problem and hung upon. The representative lied and stated that he was located in Illinois. When pressed, he confirmed that he was in fact in XXXX. 

I am uncomfortable sharing or discussing my personal information with a representative in a XXXX  country. Most organizations who use XXXX customer service representatives will have an American representative contact options. 

What is the value of TransUnion Consumer service to Americans who can not speak with a local or national representative for assistance. I can not share my personal information with someone in another country. Nor, should I be required to. Americans need their personal information to be protected from foreign agents.

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 2022-08-16
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have been referred back to CFPB by the Controller of Currency ( OCC ) letter dated XX/XX/2022. This letter addressed referenced Issues under federal consumer financial laws, as in my case, the Real Estate Settlement Procedures Act ( RESPA ), am implemented by Regulation X, as C, F.R.1024. 

Upon close examination of the Hud 1 document which was Redacted and used as evident in the court case I noticed these inconsistencies : 1. The Loan number on this Hud 1 document has a loan number that is on the page is a loan number that my monthly payments has been made under doing the last over years I have been paying this " Refinance ''.

2. As I have mentioned that this same Hud 1 document which was Redacted and used as evident in the court is has my signature and is lacking any other legal and signatures of closing attorney XXXX XXXX or any other closing officials or any official stamp. 

3. I can not be sure that I even received this money at closing or after closing as I was unable to reach the closing at any time after that day. 

I intend to upload this Hud 1 document and also your response letter concerning this matter in a previous complaint and the letter from the OCC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: KY
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 disputed an account that is not mine. I sent a XXXX dispute letter asking for more information showing that its my account because its not mine and they cant prove it is. 

They keep closing the dispute and not removing the account from my credit. They wont help me when I call or email. They wont send me any information backing up that collections account claiming to be mine.

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 2021-09-10
Company: Self Financial 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: Account information incorrect

Complaint:
This is a newly opened account. Once opened, I immediately paid the loan down 50 %. However, the loan reported to my credit report without reflecting the payment and lower balance. 

The loan also does not report to XXXX. Only XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: PA
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 Account # XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: NY
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 like to file a complaint. I have found one fraudulent unauthorized item listed on my credit report. The items is as follow : XXXX XXXX  XXXX XXXX {$1700.00}. I have attached a copy of my FTC Identity Theft Report XXXX for review. You have 30 days per the Federal Credit Reporting Act to investigate. Please let me know of your findings in a timely manner. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
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:
I wrote to XXXX XXXX XXXXt and requested debt validation showing I opened this account with them and owed the balance. I have NEVER had A XXXX XXXXk account and was A victim of identity theft. The company responded and said they can not provide me with A signed contract with my signature agreeing to this debt nor could they provide me A copy of my drivers license as proof I was the person whom opened his account. I then submitted an online dispute with all three consumer reporting agencies as they are reporting inaccurate fraudulent information. XXXX successful deleted * XXXX * Equifax both updated the account as valid. They have provided no proof of this credit account belonging to me. Instead they sent statements that where mailed out. Per federal guidelines sending mailed statements is not proof that I ( XXXX XXXX ) opened this account and requested this credit. Due to this company fail attempt to verify this debt is indeed mine I am requesting the comsumer reporting agencies remove ALL XXXX XXXX XXXX accounts that are reporting. Again, I have NEVER had an account with them and they are showing multple times on my report. Please have this removed and send an updated copy of my consumer report. They wont be able to provide such details because I have never had an account with XXXX also known asXXXX.I have requested A signed contract with my signature and or driver 's license and the company has failed to.provie this information is accurate. This is A direct violation of federal guidelines.

Company response to consumer: Closed with explanation