BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-11
Company: EQUIFAX, INC.
State: NV
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 ordered my credit reports from XXXX. I selected all three bureaus and only XXXX has sent me theres. XXXX  has a XXXX number and is easily able to be reached while Equifax is very difficult to reach and when trying to submit a complaint asks for a confirmation number from my credit report but they still have not sent one.  Every time something is removed from my transunion file such as XXXX XXXX it goes on my Equifax report. I am noticing this through XXXX XXXX because I dont have access to anything at Equifax. This is MY information. I also filed for bankruptcy XX/XX/XXXX, have been to the meeting of the creditors and everything is supposed to be Discharged XX/XX/XXXX. I talked to a transunion official and he said well ... all the information will still remain? I do not understand. I thought a bankruptcy chapter XXXX was supposed to wipe your slate clean and give the consumer a fresh start. I am an XXXX XXXX Beteran after serving 8 years in the XXXX. I noticed on XXXX XXXX that there is a XXXX  balance of XXXX dollars after 11 years. I called XXXX and they said they couldnt even find my name. Everything was payed as agreed but it looks like to me there is no justice for the consumer. Equifax should have an open line that is easy to get in touch with a real live person on the other end to talk to. I was cut off several times and it kept asking for a confirmation number even after they wont send me a credit report. I hope someday to be able to afford a mortgage even though Im just a middle class American.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-11
Company: EQUIFAX, 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:
Dear Equifax, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 
Very Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: RateGenius Loan Services Inc
State: MT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Hi, i am in the process of trying to refinance my auto loan. i currently have a loan with XXXX XXXX and i noticed that on my XXXX XXXX account they list my loan and showed that they thought i could get a better rate if i refinanced. the XXXX XXXX  site showed several loan refinancing provider options. the first option they showed me was the lowest rate and monthly payment through a company called Rate Genius. i currently pay XXXX per month on a loan with 9.5 % interest. the Rate genius site offered me a loan at 6 % with a monthly payment of XXXX dollars, so naturally i went with that. i went to the site and filled out the application and i got an email back saying i had been approved and would be contacted by a representative. the next day i got an email from a company rep that again said i had been approved, but when i looked at the loan details, it was for a loan with 7.7 % interest, for 66 months, and a XXXX monthly payment. i wrote back saying that this was not the loan RateGenius said i was approved for and that i want the original loan i was approved for. they now have written me back again trying to get me to accept this not so great loan. it seems to me that maybe they are offering loans that people qualify for but then trying to switch the loan details to maximize their profit by trying to get people to accept loan offers that are not as good as they qualify for. even they are just offering me a revised loan based on my qualifications, the fact still remains that they led me to believe i was approved for a specific loan being offered and then tried to get me to accept a different loan. it seems pretty deceptive and kind of seems like false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/XXXX I consumer, XXXX wrote to TransUnion Consumer Relations regarding 9 hard inquiries that I saw that appeared on my consumer report that I did not authorize. This direct dispute letter was sent via USPS on tracking number XXXX XXXX XXXX XXXX XXXX and shows it was received on the XXXX of XXXX at XXXX. TransUnion made no effort to investigate and remedy the issue because I got a generic automated response stating that everything is reporting correctly. TransUnion did not provide how they investigated this issue and who confirmed that it was correct. TransUnion as a consumer reporting agency is not compliance with FCRA 15 USC 1681 to make sure that all information that is reported on my consumer report is correct and validated. TransUnion is to withhold disclosure of my consumer report information to creditors unless I consent which I DID NOT for these nine inquiries I am referring to. At this point I am ready to file a suit in federal court to get my voice heard because I am tired of the automated responses that they have in place for when I. As a consumer I am entitled to receive damages up to {$1000.00} for each of the nine items for any FCRA violation, whether the violation was intentional or not for each of the items that I am disputing. 

I am attaching the letter that was sent which has all the nine inquiries that I am questioning.

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 2018-04-25
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
There is an inquire still showing on my report that should have been deleted by law. Name of company is XXXX XXXX the removal date was back on XX/XX/2018 and still shows on my credit. I'm trying to buy a house and is affecting me on my eligibility for it. Thank you in advance for your help to this matter. 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 2019-09-17
Company: Experian Information Solutions Inc.
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: Problem getting your free annual credit report

Complaint:
Experian claims 3 ways to get a credit report : Web access, phone and mail. 

Can't access Experian web site for a free report. I consistently get the follow error : XXXX - Access Denied Error code 16 This request was blocked by the security rules XXXX XXXX XXXX Your XX/XX/XXXX|Proxy XXXX ( ID XXXX ) Incident ID : XXXX Clearly Experian has blocked my IP number for access making it impossible to get a free report online. 

Calling has another problem - the phone robot always hang up on you when you have exceptions to the questions asked. And there is no way to talk to a live person. 

Mailing has another problem, Experian returned my mail unopened. The return to sender ticket by Experian clearly shows that Experian tried to hide my return address. 
on the package. 

if mail, web and phone have all denied me access - it appears that Experian has quite a problem and doesn't want to comply with foreign resident addresses and mailing out credit reports to Americans serving our country overseas.

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 2018-04-25
Company: World Acceptance Corporation
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I sent out a letter to XXXX XXXX  back in XX/XX/2018, to try and settle on an account. Well I actually have 2 accounts that fall under them, but 2 separate companies. Anyhow. I wanted to settle one account for a certain $ amount and have them update my credit report. The original amount on this particular loan was {$510.00}, and I wanted to settle for {$250.00} if they would delete or update my credit report.

I have received notification that they received my letter, but never received a letter or even a phone call from them to try and settle the loan. I have been with this company for a few years and have not had any problem with the previous employers until the manager transferred to a bigger location and some younger kids took over. They never sent me anything to settle or nothing. I mean if they had tried to reach out to me to settle this debt, I would have.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION NO KNOWLEDGE FRAUDULENT ACCOUNTS APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
The 2nd position loan company ( Specialized Loan Servicing ) ( SLS ) doesn't seem to want to negotiate with me on my property. I did a loan modification on the First position loan and immediately the 2nd position asked me to make sure that I don't let my loan go into default. ( see XX/XX/2018 letter from SLS ). Because the equity position is not there I was hoping to either do a loan modification on payments with my 2nd position loan, or have them write it off and send me a XXXX, or if it is a small amount they would want that maybe I could pay it off and settle with them. I have tried with numerous communication attempts including filling out the paperwork for hardship cases. Because of my medical condition with XXXX  XXXX XXXX I was hoping to work something out on the property so I could continue to live in it. It took me much longer than I anticipated to receive my social security XXXX but I would like to remain in the property. I have sent the paperwork and will attach along with the copies of them receiving the registered mail. I have enough stress with my XXXX to be treated this way from the mortgage company. I want something in " Writing '' from them, but I have given them my email, phone number ( sometimes difficult in the mountains of AZ ), and of course they have my mailing address. Because I travel from my home to XXXX AZ for medical treatment I am usually unavailable to get my mail for sometimes from 4-6 days. Please have them respond to me so I can work something out.

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 2019-09-17
Company: Experian Information Solutions Inc.
State: CA
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:
I received an email from Experian saying thank you for changing my email with them and when I went online to reset my email it looks like it was changed to an email address I do not have by someone else. I immediately emailed Experian to tell them and included my information but they will not respond or help. I need this investigated immediately my information Is at risk. 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 explanation
Consumer complaint received 2021-05-04
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hunter Warfield, A debt Collector company had contacted me and stated that I had owed XXXX XXXX XXXX XXXX XXXX {$690.00}, they said I have rented the property and now owed the landlord. I told the rep from Hunter Warfield that I have been live in XXXX XXXX many years, I have never rent a house in XXXX, Ca. They claim its my social number and all the personal information. I have reach out to the police and tried to file a report. This Claim had hurt my credit score very badly too. 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 2019-09-17
Company: EQUIFAX, 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:
HAS BEEN MAILED VIA CERTIFIED MAIL TO XXXX, EQUIFAX, XXXX FRAUD DEPTS : UTILITY BILL, DRIVERS LICENSE, SOCIAL SECURITY CARD, MILITARY ID, FTC ID THEFT REPORTS, EQUIFAX DATA BREACH CLAIM/ VICTIM LETTER, XXXX E-MAIL DATA BREACH VICTIM LETTER, REQUEST TO REINVESTIGATE OR BLOCK FRAUDULENT ACCOUNTS. 
MY IDENTITY HAS BEEN USED FRAUDULENTLY TO OPEN ACCTS, MY EXISTING ACCTS WERE EITHER TAMPERED WITH WITHOUT MY CONSENT OR TRANSACTIONS DONE WITHOUT ME KNOWING BY HACKERS. I AM FED UP OF DEALING WITH THESE CRAS AND THEY DONT NOT REVIEW RECEIVED INFORMATION OR VERIFY NEITHER CONFIRM REINVESTIGATION DOCUMENTS SUBMITTED. THEY ARE NOT IN A POSITION TO BE A REPORTING AGENCY SINCE THEY ARE SIMPLY A MIDDLE AGENT FAVORING THE CREDITORS. I AM A PRIVATE CITIZEN AND NOT A STATE OR FEDERAL ACTOR AND I TAKE MY PRIVACY SERIOUS. CERTIFIED MAIL LETTERS HAVE BEEN MAILED OUT TO ALL THREE CRAS AND EQUIFAX STILL REPORTS INACCURATE FALSE INFORMATION ON A PRIVATE CITIZEN ALSO XXXX REPORTS A FRAUDULENT COLLECTION TOO.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Its been more than a month fighting with Bank of America regarding unathorized charges on my account and the treatment of bank of america towards those who are in a weak state while XXXX amd XXXX. It is a fact that those who views when you to use prepaid cards in that position are already in financial distress and it's appalling the Bank of America would take advantage of that and not honoring standard industry minums regarding provisional credit. 

An answer to my prayer complaint filed with the cfpb Bank of America in retaliation denying every single claim I had made in that group

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 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

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 2019-08-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND IT HAS CAUSED SERIOUS DAMAGE TO MY CREDIT REPORT, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE IT REMOVED OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech has constantly mismanaged my escrow fund account. 
I received an Escrow Account Disclosure Statement, dated XX/XX/XXXX. I had an escrow surplus of {$6400.00} as I had more funds than needed to cover my minimum escrow balance. This statement said that I would receive a separate check for this surplus amount, as long as my account was current and if my account was past due, the surplus funds remain in my escrow account. My account was current and I did not receive a refund check and although I did not receive a check the surplus funds did not remain in my account. The first attachment is this statement. 
The second attachment is my escrow history where even though I had an escrow surplus, ditech was constantly doing an escrow advance and then an escrow advance repay to make it seem that my escrow account was in arrears. 
The third attachment is my payment history that shows that my escrow payments were incorrectly or not at all applied. 
The fourth attachment is an Escrow Account Disclosure Statement, dated XX/XX/XXXX showing that I have an escrow surplus of {$7900.00}. 
The negligence and misappropriation of funds by ditech needs to be addressed immediately along with an explanation of where my {$6400.00} surplus from last year, {$7900.00} surplus from this year, along with all of the escrow advances and repays is, including why there were escrow advances and repays when there has been an abundant surplus all along. 
And before ditech says that they are not servicing my loan as of XX/XX/XXXX, I am very well aware of that. This is not a complaint about the future. This is a complaint about ditech while they were servicing my loan and the mistakes that were made by their company and documented during that time.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
on XX/XX/XXXX I applied for a Delta Airlines American Express card and was automatically denied within 3 minutes of the submitting the application. I contacted American Express, as i already have an open account with them and requested that they manually review my application and offered to provide additional information.

Since then nothing has occurred and I do not believe that they manually reviewed my application. I filed bankruptcy 5 years ago ; since then I have had maintained over 10 credit accounts in good standing with no late payments. In addition, I already have an account with XXXX. I think it is appalling that they would not even allow me to submit additional information on my income and eligibility.

Company response to consumer: Closed with explanation