BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am going to waste my time once more to ask for help against XXXX credit card company. I had to close my excellent open account with 0 balance that I had for many years, because XXXX would not allow me to protect myself from fraud by locking acct. So I asked to close acct., now I try to get updated credit bureau report from Transunion , but my XXXX card is no where to be reported, it was there in XX/XX/XXXX. I call Transunion they say there is no record of it and I need to call XXXX to get it reported. I call XXXX, get transferred to XXXX, who tells me, IT IS MY FAULT THE CREDIT BUREAU REPORT WAS REMOVED, BECAUSE I FILED WITH CFPB AND SHE IS SORRY BUT THERE IS NOTHING SHE CAN DO TO GET IT REPORTED TO TRANSUNION. THIS IS EVIL! JUST BECAUSE I TRY TO REPORT WHAT THIS EVIL CO. DID TO ME, THEY HAVE THE RIGHT TO NOT REPORT MY EXCELLENT CREDIT HISTORY? IF I NEVER PAID MY DEBTS, IT WOULD BE REPORTED AROUND THE WORLD, BUT SINCE I WAS NEVER LATE & PAID OFF THOUSANDS OF , THAT SHOWS EXCELLENT LOYALTY & INTEGRITY. THE LAST SMALL BIT I HAVE LEFT. THESE COWARDS HAVE THE POWER TO COMPLETELY ERASE IT 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 2019-03-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently signed a lease for renting an apartment on XX/XX/XXXX at The XXXX at XXXX, XXXX, Florida-33177. The leasing office with the help of " XXXX '' - a screening software provider to the rental real estate industry, requested duplicate Hard-inquiries on my credit for the same report. I called the apartment leasing office, XXXX, and Equifax, but none of the three offices acknowledged that they made the mistake. I also requested them to help me to remove one duplicate report from my credit history. 

It mostly the Equifax which is the agency run by some novice people. I spoke to a customer service agent and she kept asking questions one after another ( more 10 questions ) including how much balance available on my different account to just verify my identification. I feel that this just a violation of my personal information and abuse their power. At the end she even could not verify my identity and help me at all, just wasted my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX a dept validation was sent out to Portfolio recovery. On XX/XX/XXXX I received mail from them explaining that they had validated my account and enclosed documents. The documents they enclosed did not validate the account. My signature was on no such document, I do not have a signed contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
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:
After seeing recent media on hacks on the American public information I pulled a copy of my credit report to see if all my information was correct, and no one was falsely using my information, to my surprise I had several addresses, accounts and inquires that I've never been associated, seen or applied for or every inquired on credit at these businesses below are a list of false information due to identity theft on my credit report. 

These accounts are inaccurate and should not be on my credit report. 

XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX. 

These following companies below have put unauthorized inquires on my credit report. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: ENOVA INTERNATIONAL, INC.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I am trying to work out a payment plan to be able to pay off this debt. The company refuses to work with me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Lending Club Corp
State: OH
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 ONE loan with lending club, however, my XXXX  report shows the same loan TWICE which has caused me issues obtaining new credit and credit limit increases. 

I contacted XXXX disputes and all they did was update the duplicate account with the payment history of the existing loan. In other words they didnt do anything to remove the duplicate loan and did nothing to fix it but closed just dispute. 

I contacted lending club today XX/XX/21 and asked for help and was informed its a known issue, no resolution date, theres no letter they can provide before I apply for my new mortgage - so essentially we dont care just deal with it. Please help me as I plan to apply for a mortgage in three weeks and this will be a major problem. Not only that it has also impacted my ability to obtain credit lines in recent card applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: FinCo Services Inc DBA Current
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I opened two current card from current.com. I since requested they be closed. I need written verification these card are closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: Experian Information Solutions Inc.
State: MO
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 still see the same fraudulent inquiries on my credit report, I even spoken with the companies and they said they put it to remove them but yet failed to do so ..nor has anyone provided me with physical verification of any sort. The following inquiries being disputed are .., XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/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 2018-12-06
Company: JPMORGAN CHASE & CO.
State: TN
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 am going to waste my time once more to ask for help against Chase credit card company. I had to close my excellent open account with XXXX balance that I had for many years, because chase would not allow me to protect myself from fraud by locking acct. So I asked to close acct., now I try to get updated credit bureau report from XXXX , but my chase card is no where to be reported, it was there in XX/XX/XXXX. I call XXXX they say there is no record of it and I need to call chase to get it reported. I call chase, get transferred to XXXX, who tells me, IT IS MY FAULT THE CREDIT BUREAU REPORT WAS REMOVED, BECAUSE I FILED WITH CFPB AND SHE IS SORRY BUT THERE IS NOTHING SHE CAN DO TO GET IT REPORTED TO XXXX. THIS IS EVIL! JUST BECAUSE I TRY TO REPORT WHAT THIS EVIL CO. DID TO ME, THEY HAVE THE RIGHT TO NOT REPORT MY EXCELLENT CREDIT HISTORY? IF I NEVER PAID MY DEBTS, IT WOULD BE REPORTED AROUND THE WORLD, BUT SINCE I WAS NEVER LATE & PAID OFF THOUSANDS OF , THAT SHOWS EXCELLENT LOYALTY & INTEGRITY. THE LAST SMALL BIT I HAVE LEFT. THESE COWARDS HAVE THE POWER TO COMPLETELY ERASE IT FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: MoneyLion Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX, I applied for a loan online from MoneyLion. The loan amount is XXXX which they were able to deposit into my XXXX checking account using my debit card information. On XX/XX/XXXX they were supposed to make a payment of XXXX using my same card. This should not have been a problem. In fact, this payment should have posted within seconds. I had more than enough to cover this transaction and I pay attention to everything in regards to my account. 

This morning, I woke up to check the status of the payment that should have been posted to my account several days ago. Well here is the result! The payment was never processed because they claim they had the wrong account information! I know my routing number and checking account number and I had this account from when I was an employee at XXXX. I also worked with reconciliation so I do pay very close attention to number especially what is due, what checks or direct deposit are being deposited for services I provide with various vendors. Now, they are claiming this loan is past due. I was livid this morning because I feel that MoneyLion is taking advantage of my situation by making the assumption that I do not pay loans on time. I'm saying this because my credit score was at XXXX based on the derogatory information reported by yours truly XXXX XXXX and XXXX. I will be filing a complaint about those two in a minute. Also, MoneyLion claimed that the loan that I borrowed from them would not affect my credit score. Guess what! When I accepted the loan, my credit score dropped down to XXXX. Also, they tend to inflate the amount of your expenses on their app. I thought MoneyLion was there to help consumer but I see they take advantage of people situation by not being honest!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have disputed and corrected information on my XXXX file successfully but I can not get dispute information to XXXX and Experian. I am trying to buy a home and I need these files to reflect the same or similar to my XXXX file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: EOS Holdings, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX XXXX XXXX XXXX for debt that I do not owe. I searched the company and found several complaints about them fraudulently collecting debt people dont owe. I do not want to contact them and verify any personal information listed in the letter. I have not used XXXX in years and my account is clear. 

It is dated XX/XX/2021 For {$40.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: Duvera Billing Services, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX XXXX XXXX issued me a loan of {$2500.00} XXXX in XXXX had me sign an electronic signature and went through everything fast and in the middle of the store for everyone to see. I did not notice the 152 % interest when I signed and was not told that was the rate. This is a violation of heart laws and should be stopped. I will pay {$8000.00} for a {$2500.00} loan. This is ridiculous. They also were suppose to debit the first 3 payments and have yet to do the first one which was due on XX/XX/19 this is the XXXX. I cant reach anyone when I call the number. Please investigate this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.

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 2020-05-09
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello, We have refinanced our condos from ditech to XXXX. Our taxes for the condos were withheld monthly and out in an escrow account at ditech. The amount is XXXX in our account. 

During the refinancing XXXX  and ditech were supposed to move over this amount or reimburse us. 

None of that happened. Ditech sold all their loans to XXXX  XXXX and now I cant get hold of anyone. 

We sent a letter to ditech 15 days ago with XXXX  and didnt hear back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I placed a security freeze on my Equifax credit file, and received written confirmation by mail that the freeze took effect XX/XX/XXXX. -- -- -- While applying for a loan, I placed a TEMPORARY lift on the freeze through the Equifax automated phone system ( XXXX ). The lift was to be effective XX/XX/XXXX through XX/XX/XXXX. 
-- -- - On XX/XX/XXXX I attempted to confirm that my security freeze had been reinstated and is currently active. Equifax provides no way, through their web site or their phone system, to simply verify if a credit freeze is in effect, or if a temporary freeze has been properly reinstated. ( The other two credit bureaus make this info very easy to obtain through their web sites. ) In frustration, I called the automated number and was informed that a temporary lift was currently in effect -- this was 3 months after the freeze should have been reinstated. The automated system told me I could place a new temporary lift that would replace the currently effective lift. I did so, making the lift effective XXXX thorough XXXX, and received a confirming email from Equifax. I called the automated number again today, XX/XX/XXXX, and was informed by the automated voice that my credit file freeze was still temporarily lifted. -- -- - After considerable searching, I found a " Customer Care '' number for a live representative ( XXXX ). The representative was polite and patient, although her sub-continent accent ( XXXX? XXXX? XXXX? ) made communication difficult. The difficulty was increased by at least two other nearby call center reps who's conversations I could clearly overhear. Apparently, Equifax spares every expense possible when it come to " Customer Care ''. I was assured by the rep that my credit file freeze has now been reinstated and I should receive written confirmation via USPS mail within five days. I can't say I'm confident. -- -- - My complaint is this : Equifax 's poor security measures caused the credit report crisis, why are they not being forced to provide a user-friendly system to place, lift and verify the current status of a credit freeze? XXXX XXXX and XXXX   provide that service, and presumably -- like Equifax -- still make a great deal of money trafficking everyone 's vital financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I had a fraud alert placed on my credit file with Transunion that indicates anyone who runs my credit needs to call me in order to do so. That wasn't done which violates my rights as a consumer, and I am now left with several inquiries that I did not authorize. I've reached out to Transunion several times to advise of my credit being pulled without my permission.

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 2019-01-05
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have disputed and corrected information on my XXXX file successfully but I can not get dispute information to Equifax and XXXX. I am trying to buy a home and I need these files to reflect the same or similar to my XXXX file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: EQUIFAX, INC.
State: CT
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:
EQUIFAX IS BREAKING THE LAW. ITS BEEN WAY OVER 60 DAYS AND THEY REFISED TO FOLLOW THE FCRA AND REFUSE TO REMOVE THESE UNVERIFIABLE INFORMATION FROM MY CREDIT REPORT. THEY ALSO REFUSE TO UPDATE INFORMATION AND MISS PAYMENT THAT SHOULS BE REPORTED AS ON TIME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: CAINE & WEINER COMPANY, INC.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I do not know who is Caine & Weiner collecter are. I never did any business with these people what so ever.They stated on XXXX XXXX i owe the {$190.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: PENNYMAC LOAN SERVICES, LLC.
State: DC
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/2020, I contacted PennyMac Loans regarding incorrect loan information ( loan status and outstanding balance ) reported to the credit bureaus. I am in a COVID Hardship Forbearance under the Cares Act. I was initially delinquent on my loan but was able to make a payment and became current in XX/XX/2020. Despite the rules regarding credit reporting under the Cares Act ( which they post ) PennyMac reported no information for 6 months but in XX/XX/2020 my credit report showed my loan as " Delinquent in Forbearance. '' Additionally, PennyMac reported the outstanding balance on my loan as {$450000.00} ( original loan amount is @ {$430000.00} ), despite the fact that my XX/XX/2020 statement reflects I owe @ {$430000.00}. When I asked about the incorrect status, the rep initially denied reporting misinformation to the credit bureaus but then justified it by saying " well you owe - once you are current we will fix it. '' In regards to the incorrect balance, the rep initially said the increased amounts were the missed payments. Once I refuted that as illogical - if you miss a payment the amount owed on the loan does not decrease or increase - she put me on hold. When she returned she said it was " unpaid interest on the missed payments. '' When I rebutted stating interest was already calculated into the missed payments she said, " well once you are current your credit report will reflect the correct amount. '' At no time did the rep offer to review or correct the information - she basically said if you want it fixed get current. This conduct appears to be a blatant effort to illegally penalize consumers for being in a forbearance under the Cares Act. The suggestion that they would only correct the errors if I became current is coercive in nature and borders on extortion. This intentional misreporting also tanked my credit score, which will likely impact the terms of repayment once the forbearance ends. I am concerned this is intentional since the change in reporting happened right before the forbearance ends. I have documents to support the above and PennyMac records their calls - so the rep 's statements can be confirmed.

Company response to consumer: Closed with explanation