BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-31
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:
I am a victim of identity theft. I wrote to this company TWICE. My first was a letter dated XX/XX/XXXX. My second letter was dated XX/XX/XXXX. On both occasions, I filled up and submitted an FTC affidavit and had them notarized and sent this company a copy of the notarized Affidavit. On those dates, I also did the same thing with XXXX and XXXX. On both occasions, BOTH XXXX AND XXXX, REMOVED THE UNAUTHORIZED, FRAUDULENT INQUIRIES I disputed. TRANSUNION REFUSED TO remove these unauthorized, fraudulent inquiries. If they did investigate, they will not ask for additional information. I sent them a letter twice and a notarized FTC Affidavit containing the list of the fraudulent inquiries and dates. They blatantly violated FCRA 605B ( 15 U.S.C. 1681c-2 ).

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 2019-10-04
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: Account status incorrect

Complaint:
XXXX XXXX XXXX is reporting that several accounts were delinquent at least or more than 90 days. This is completely false. I have contacted XXXX XXXX services and disputed this but they have never made any attempt to correct or validate their error. 

I have one student loan. It was consolidated. There are 6 student loans showing delinquent states on my credit report when I have never ignored or missed any agreed upon payment. In most cases they were processing paperwork for a deferment or did not know the nature of their own student loans. I am an XXXX for the last 18 years and should be eligible for the XXXX  Forgiveness Program but when I call they dont know what I am talking about and transfer me from one department or the other until I have run out of allotted time devoted to this. In some cases this has been over 1 hour. 

My balances, payments and terms are incorrect because of this but they continue to knowingly inaccurately report my student loan. 

I have not been late with them. In regards to their latest reported late payments I applied for the Income Based Repayment plan. While they were processing it they informed me they were placing the loans in deferment status. This was for the months of XXXX, XXXX and XXXX. In XXXX I was approved for the IBR payment plan. I spent an hour with a XXXX  loan person and he promised that I qualified for an immediate loan forgiveness. I also asked " who owns the loan? '' He responded " XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX XXXX ''. I've been given all these answers from personnel and nothing but derogatory credit is the result. 

I have been unable to purchase a home and have suffered financial injury due to their inaccurate reporting which is in violation of precedent established by the US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan. 

They have ignored my disputes and pleas for accuracy. This is violation of FCRA Section 623. 

XXXX and Experian knowingly facilitate this. After failing to achieve effective communication with my loan servicer I have also tried to have these errors corrected directly with Experian, XXXX and XXXX. They continue to do mock investigations and let gross inaccuracies remain on my credit report. This has caused me financial injury and is in violation of FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv-01743 ).

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 2019-10-04
Company: Comerica
State: NC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I receive my SSA benefits on a Direct Express Mastercard. On XX/XX/2019 fraudulent charges were made totaling {$170.00}. I immediately contacted Direct Express =found out charges where from XXXX XXXXXXXX and XXXX XXXX, which I did not authorize. Card was cancelled and a new one was issued which costs another {$13.00}. Was transferred to the Fraud Dept. Filled out the fraud form and mailed it as I was directed. On XXXX XX/XX/2019 received letter the funds were reissued to my card which they were. Thought everything was fine. On XXXX XX/XX/2019 the {$170.00} was removed from my new issued card. Immediately called the Fraud Dept of Direct Express. Was told that nothing could be done because the investigation was closed and not ruled in my favor. I have never received any information of why these charges were not fraudulent. I requested a number for XXXX XXXX stuff. The number given would not go through. XXXX XXXX XXXX XXXX which wasn't surprising. I also requested to speak to the Fraud investigator who ruled not in my favor. Of course, the agent did not know who it was. I have called repeatedly for days trying to get a rep but now automated message saying my account is not available. To call back at a later date. What I am getting from this is Direct Express or  Comerica Bank have no intention of reimbursing my {$170.00} or notifying me of what this XXXX   XXXX is. Is there anyway you can help me? How many other elderly I am XXXX, have been ripped off this way? Thank you so much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-04
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I leased a XXXX XXXX XXXX in XXXX of XXXX from XXXX XXXX XXXX. This year I was unable to renew my registration because the year on the title of my vehicle is incorrect. The year of purchase on the car is listed as XXXX instead of XXXX. The California XXXX confirmed this and requested a title modification in order to renew our registration. 

I've been calling Infiniti Financial Services ( IFS ) since XXXX and they said that they will get this problem resolved. We are in XXXX now and my car no longer is eligible for a temporary registration. I STILL have an error on my title and I am making payments for an XXXX that I can not drive. 

I just spoke with an IFS agent for an update, and from my understanding the title has been reviewed and sent to the dealer for a modification. HOWEVER, the XXXX XXXX XXXX is PERMANENTLY CLOSED. They have not followed up with this issue nor have they checked their facts to realize that there is no one at XXXX XXXX XXXX dealership to accept their request. 

I spoke to another local dealership and they advised me to get in contact with XXXX XXXX XXXX. However, all the numbers provided were dead ends. 

I keep getting brushed off and ignored and neglected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Received an email on XX/XX/2018 and a phone call Discover wanted to verify the authorized users and I verified the information. I even used my account after we spoke and never knew there was a problem. I called Discover to ask them why I wasn't able to use my account, was informed that my account was closed and that they have the right to close my account at any time, without providing an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a walmart capital one card. I was approved. I spent {$50.00} on the card and then capital one blocked the card and asked me to send documents. Which i did. They gave me a hard time saying they couldnt accept the proof of electricity from the electric company or the bill because i had just switched from prepaid to post paid and my bill said disconnection. I explained that was why i sent the proof letter as well. They told me to resend my docs. I did. They sent me a letter saying they couldnt verify me so they closed the account for fraud. Im receiving bills and late fees for an account they closed due to them not believing my identity. Why am i being held responsible? I called and ask why am i responsible if they said the account was opened fraudulently. I was told they didnt have an answer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX keeps reporting accounts that are in someone else name and social security number. The following items on the enclosed PDF file are not mine. There is an alternate social that XXXX  keeps reporting and can not get it through their head that the alternate social being reported IS NOT MINE and all the creditors have verified this and told me they removed the item, but yet XXXX continues to report it. I have enclosed a printout of the items, every item in YELLOW is NOT MINE, also a copy of the latest three police reports filed. The two addresses in yellow are not mine either. XXXX said they would remove it, Wells Fargo sent a letter to remove it and yet they appear still on my 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 2019-10-04
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
On XX/XX/2018 I notified XXXX XXXX I will be returning the vehicle as the engine blew. It was discovered GAP insurance was not on the vehicle and I was unable to store a diminished vehicle. On XX/XX/2018, I notified XXXX XXXX I am no longer liable for the vehicle as XXXX XXXX remains the lean holder of this account. The vehicle was returned and sold, by XXXX XXXX on auction. Payments were applied to the account. On XX/XX/2018, XXXX XXXX agreed to modify my loan term ; extending my loan term, decreasing my monthly payment to {$220.00} and to report the account type/ status as an unsecured loan. Over the past year, XXXX XXXX has reported several failures to pay, delinquent status. As agreed I have upheld my end of the agreement. XXXX XXXX has repeatedly reported damaging information all credit reports.

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 2017-11-17
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC
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 recently paid off my loan with a paper check from a refinance on my mortgage. I personally mailed the check to the location in XXXX where the loan originated. I called last week to confirm receipt of payment and to verify when the overage would be mailed to me. I was informed by an individual at the store that the refund was issued on XX/XX/XXXX. I have been checking my mail to ensure that the check comes in as our mail has been tampered with in our neighborhood. As of XX/XX/XXXX, I had not yet received the check and called into the customer service number to inquire. Upon speaking with their agent, I was told the refund would be issued from the store and that they did not see any notes within the system indicating the refund had been issued. I asked that someone from the store call me on Friday to relay the information and to see if it would be possible for the overage to be direct deposited to my account as the original proceeds were done. On XX/XX/XXXX, I called back to the customer service number to inquire about the refund information again. I spoke to a female rep that explained regulations indicated I could not get a refund until 15 days had passed. I explained that regulations do not indicate that but company policies do and there was a major difference. I repeatedly asked to speak to a supervisor and was told one was busy and could call me back in 30 minutes. I explained that I had already requested a callback and did n't get one. After some back and forth and no effort to put a supervisor on the phone with me, I explained that I would file a complaint to which the agent replied to have a good day and hung up. I decided to call back and got a male agent who was much more professional. This agent actually read through the notes and mentioned that a manager at the store had indicated notes about possibly expediting the refund ; however, I would not be able to get any answers until Monday as the store is now closed and is not open on the weekend. I am quite frustrated at the lack of cohesiveness in the answers I have been provided and feel as though I am getting the run around. This is not a collateral loan, therefore, I feel as if holding an overage for that many days is not necessary. I also understand that I am responsible for this loan including any returned checks which may be presented. The overage was created from my draft which was not stopped due to pending payoff being processed and therefore the {$210.00} and change drafted out of my account is being held more than the federal reg CC guidelines of 11 days. I would like a formal response from the company in regards to the lack of training on policies and procedures given the numerous different accounts of how my refund would be handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
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 ACCOUNTS DOES NOT BELONG TO ME, AFTER REVIEWING MY CREDIT REPORT I REALIZED THAT THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY FILE. I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS AND HAVE THEM REMOVED OFF MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2017-11-17
Company: BANKERS MORTGAGE CORPORATION
State: OK
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
My Husband and I applied for a loan and were approved. We found a house and started closing process. They had me jumping through hoops 24/7. It was so hard to get a hold of XXXX XXXX. When we did get a hold of her she was short and very rude. We are going through XXXX XXXX MAPS program. The program requires some paper work they had to request from her and you could tell she did n't want to deal with us. We got to our closing day almost. The day before I got a phone call requesting a year worth of utility bills and if I could n't close. They said we no longer had enough credit which they knew our credit when the pre-approved us. We have really good credit scores. We just did n't have 3 lines. It seemed like from the start they did n't want to lend to us. They just dragged us along knowing the entire time it was n't going to work. They we 're so unorganized it was crazy. They are very unprofessional and discriminated us because of our age. 

When they dropped us they told us we could still use the appraisal then turned around and wanted {$600.00}. I am so disappointed in this company and ca n't believe the way they treated us. I think its all because of our age they just slung us around thinking we had no clue about what they are doing. They took advantage of us! They have made our first home buying experience horrible. They do n't care anything about others. It took them about 3 months to tell us no.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-04
Company: Dovenmuehle Mortgage, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been requesting a monthly statement for the last 4 months. Because this XXXX/ dovenmuehle mortgage, Inc. have a habit of changes in lawyers, as well changes of where the mortgage is to sent. Besides i would also like statement for my own records. in the past several years they reported to credit agency that i had not paid my mortgage in two 2 years, they done this to many times. we have requested the check returned to us. which they claimed that we received, when in fact we had not. 

With all the reports on both these company, you would think some would of have the guts to really look it them. enough is enough

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: EQUIFAX, INC.
State: CA
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:
XX/XX/2019 I attempted to get a loan approval from XXXX XXXX. Upon running a credit check Equifax report stated : 1. APPLICANT FILE BLOCKED AT EFX. ( XXXX ) 2. APPLICANT INFORMATION FROM THE INQUIRY HAS BEEN IDENTIFIED BY THE CONSUMER AS FRAUDULENT- REPORT UNAVAILABLE. ( XXXX ) Both XXXX and XXXX had no issues pulling a credit report. 
Contacted Equifax to resolve but was directed to fax their dispute deportment. 
XX/XX/2019 I faxed them to look into the issue. 
XX/XX/2019 Equifax replied stating unable to locate a credit file stating " not having a current file '' as a reason for this issue. 
I have now gained a loan approval from XXXX XXXX but they are coming up with the same reports of " File Blocked '' and " Fraudulent ''. Again both XXXX  and XXXX had no issues. 
XX/XX/2019 I have again attempted to contact Equifax to resolve this issue but was directed to fax their dispute deportment. I again have done so with more information and to clarify that I needed this unblocked and a written statement as Not Fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Asked XXXX XXXX with a goodwill letter cab they help with 2 late payments with me having a illness causing me to be late then later covid put me out of work. No reply to emails

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 2019-10-04
Company: NAVY FEDERAL CREDIT UNION
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:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b in general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In  general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XX/XX/XXXX inquiry from XXXX XX/XX/XXXX inquiry from Navy Federal Credit Union XX/XX/XXXX inquiry XXXX   XXXX XXXX I Called XXXX and XXXX twice they did not remove these inquires. 

I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below, and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX DOB : XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation