BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have filed 4 disputes with credit bureau and filed a complaint with cfpb and no one is correcting I talked to the owner XXXX XXXX and he sent me a letter I submitted and the bureau. I did not miss a payment the account has been paid off in full by me XXXX XXXX,2017 .IF THIS IS NOT CORRECTED IAM SUEING ALL PARTIES XXXX TRANSUNION AND XXXX XXXX XXXX correct this now on my report i have submitted proof it has been paid this is ridiculous and fraudelant to have paid and report that I missed XX/XX/XXXX payment .IT WAS PAID XXXX 9,2017 check the records

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 2019-07-12
Company: Credit Karma, LLC
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Still showme open the account on my credit report like credit karma XXXX and  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: NC
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. 

XXXX XXXX XXXX.Acc # XXXXXXXX XXXX XXXX XXXX ..Acc # XXXX XXXX XXXXXXXX XXXX..Acc # XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX Account # XXXX ( XXXX ), XXXX XXXX XXXX Account # XXXX ( XXXX, XXXX, Transunion ), XXXX XXXX XXXX XXXX  Account # XXXX ( XXXX  ), XXXX Account # XXXX ( XXXX, XXXX, Transunion ), XXXX XXXX XXXX Account # XXXX ( XXXX, XXXX, Transunion ), XXXX XXXX XXXX Account # XXXX ( XXXX, XXXX, Transunion ), XXXX Account # XXXX ( XXXX, Transunion, XXXX ), XXXX XXXX XXXX XXXX XXXX Account # XXXX ( XXXX  and Transunion ),  XXXX XXXX XXXX XXXX  Account # XXXX ( XXXX and Transunion ), XXXX XXXX XXXX Account # XXXX ( XXXX, Transunion ), XXXX XXXX XXXX  Account # XXXX ( transunion ), XXXX XXXX Account # XXXX ( XXXX, XXXX transunion ).

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 2018-08-04
Company: Experian Information Solutions Inc.
State: MD
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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX Account # XXXX ( Experian ), XXXX XXXX XXXX Account # XXXX ( Experian, XXXX, XXXX ), XXXX XXXX XXXX XXXX Account # XXXX ( Experian ), XXXX Account # XXXX ( Experian, XXXX, XXXX ), XXXX XXXX XXXX Account # XXXX ( Experian, XXXX, XXXX ), XXXX XXXX XXXX Account # XXXX ( Experian, XXXX, XXXX ), XXXX Account # XXXX ( Experian, XXXX, XXXX ), XXXX XXXX XXXX XXXX XXXX Account # XXXX ( XXXX and XXXX   ), XXXX XXXX XXXX XXXX  Account # XXXX ( XXXX and XXXX  ), XXXX XXXX XXXX Account # XXXX ( XXXX, XXXX  ), XXXX XXXX XXXX Account # XXXX ( XXXX ), XXXX XXXX Account # XXXX ( Experian, 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 2015-08-13
Company: WELLS FARGO & COMPANY
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Private student loans vs. Federal student loans. This country needs to come up with the option to make private student loans converted over into Federal student loans! Us people who were foolish enough to go to college on private loan money are left with wayyyy less options than people with Federal student loans. It 's not fair. I was a naive XXXX year old kid without a clue to what I was doing and this country 's educational system took advantage of me like they are doing to thousands of others. Something needs to be done and it needs to be done now, it 's a short life on this earth, why make it so hard?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: ULRS, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Woman XXXX uses bullying tactics Told her I paid cash and office was supposed to bill insurance Same lady harasses me Called me good for nothing loser

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2019-07-12
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I asked a customer service rep about getting set up on autopay. I was sent a form to fill out. A requirement is that at least one payment from the account from which the autopay will be debited is submitted manually. I made my XX/XX/XXXX minimum payment as required by my XX/XX/XXXX statement. The payment was received XX/XX/XXXX. I then filled out the autopay form and submitted it. 

The form even asks for an email address for confirmation that the autopay was set up. I never got it. I don't think it was ever sent. Today I learned that my already paid minimum payment will be debited AGAIN on XX/XX/XXXX after it was already paid. I'm out the money TWICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: LEXISNEXIS
State: IL
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:
XXXX XXXX declined my car loan app in XX/XX/XXXX. They list the principal reasons for credit denial as follows : Income insufficient to meet credit obligation - ( I make XXXX per year ) LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX - I have owned this home since XX/XX/XXXX XXXX XXXX   specifically lists LexisNexis as the agency providing them with info that influenced their decision to reject my application : " We also obtained your credit score from LexisNexis Risk Solutions Inc. and used it in making our credit decision. Your credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your consumer report changes. 
Your credit score : XXXX Date : XX/XX/XXXX Scores range from a low of 500 to a high of 900 Key factors that adversely affected your credit score : Eviction record found Lien/Judgement record found Number of inquiries in the last 12 months Number of sources confirming identity and current address '' I waited 30 days to receive Lexis Nexis full report that I could only request by USPS mail. I disputed the incorrect info ( by email ) and waited another 30 days for a response by snail mail only to find the damaging and incorrect data that Lexis Nexis is reporting will remain on my credit report even though I supplied numerous documents proving it is incorrect. I have attached all communication AND evidence proving they are damaging my creditworthiness and preventing me from obtaining credit! They should be sued for the damage they are recklessly causing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Account status incorrect

Complaint:
Lease was returned and all payments paid in full in XX/XX/2017. Company reported the lease as a voluntary repo and sold it at auction despite all obligations being satisfied and are trying to charge me the fees and loss at auction. The vehicle was properly returned and the payments were made to satisfy lease obligation. They incorrectly handled the end of lease and will not fix their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
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: Information belongs to someone else

Complaint:
I have attached a letter that will explain my situation. The accounts that I am disputing are. 
I am disputing the accounts and inquiries as an internal dispute. Also Im disputing the inaccurate accounts and inquiries that you are reporting on my credit file as an affidavit as well. Please be aware that I await your response and if you send me any verified letters I wont hesitste to reach out to litigation and take legal actions against your company for violating my rights and The FCRA. I am allowing 72 hours due to the fact of improper and unprofessional business ethics.

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 2018-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted a letter to Bank of America (mortgage account #XXXX) to cancel my mortgage insurance and I have received no response. I also called on XX/XX/2018 and was told I would receive a response within 7 business days. I have met all the requirements to have my mortgage insurance cancelled based on their requirements. I am including a copy of the letter mailed to them for your review. This unnecessary fee is creating a hardship for me and I am requesting that it be stopped immediately.

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 2019-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
In 2018 I noticed a company called XXXX XXXX XXXX show up on my credit reports. I immediately disputed it in which naturally all the bureaus didnt investigate at all. 

I then contacted the creditor and they explained that they didnt have anything about me and agreed to submit a deletion to the credit bureaus. Only XXXX deleted it. 

Since then in multiple phone calls, emails and disputes, TRANSUNION AND XXXX  REFUSE to delete it even though I have a copy of the deletion draft sent to each bureau. I intend to sue if its not deleted within 15 days from this communication. 

Its affecting my ability to close my construction loan into a conventional loan. This is completely unacceptable. I have real damages here.

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 2018-08-04
Company: Ability Recovery Services, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company Ability Recovery Services , LLC picked up an old bill of mine with XXXX University one that I had already discussed with XXXX University as inaccurate. They then reported it on my credit report which was inaccurate and aged out due to fair credit reporting act. I sent an email to Ability Recovery Services notifying them of this matter and requested a validation letter of this account and I didn't hear back from them. I made them aware that this was affecting my credit and got no response.

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 2018-01-25
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 am requesting that the following accounts and inquiries be removed from my credit report immediately. These accounts do not belong to me and I did not authorize the follow inquires/creditors to obtain a copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX/XXXX XXXX IN Last reported : XX/XX/XXXX {$7600.00} Good XXXX  Last reported : XX/XX/XXXX {$990.00} Good XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$780.00} 30-59 Days Late XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$670.00} 30-59 Days Late XXXX/XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX {$560.00} 30-59 Days Late XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$540.00} 30-59 Days Late XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$450.00} 30-59 Days Late XXXX/XXXX XXXX Last reported : XX/XX/XXXX {$280.00} Good XXXX/XXXX Last reported : XX/XX/XXXX {$240.00} Good XXXX/XXXX Last reported :XX/XX/XXXX Other Loans : XXXX XXXX XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$8400.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$7200.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$6000.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$5300.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$4500.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$4300.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$3100.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$3000.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$2200.00} Good XXXX XXXX/XXXX Last reported : XX/XX/XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Lease Date Opened XX/XX/XXXX Account Status Open Payment Status Past due 60 days Status Updated XX/XX/XXXX Usage - Balance {$5200.00} Balance Updated XX/XX/XXXX Original Balance {$5300.00} Monthly Payment {$160.00} Past Due Amount {$520.00} Highest Balance - Terms 32 Months Responsibility Individual {$2000.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$2000.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX Closed Account : XXXX XXXX {$140.00} Credit inquires : XXXX/XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX/XXXX Inquiry from XX/XX/XXXX Personal Loans Cos.

XXXX XXXX XXXX XXXX Inquiry from 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 2019-07-10
Company: WLCC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
Per Georgia State law, ANY AND ALL payday loans are ILLEGAL. This company did NOT inform me of this nor do they hold a Georgia Industrial Loan License and are NOT legally allowed to do any business in Georgia. They failed to inform of this and here is the state law from Georgia.gov The Georgia Industrial Loan Act of 1955 essentially made payday lending illegal by requiring state licensing and registration and by imposing strict usury limits on small loans. In XX/XX/XXXX, the Georgia General Assembly increased the fines and criminal penalties for people making small loans at illegal rates of interest. The law went into effect in XX/XX/XXXX, and has survived challenges in federal court. Referred to as the Payday Lending Act of 2004, this law authorizes misdemeanor charges against violators, as well as fines of up to {$5000.00} per violation and a possible jail sentence of 1 year. 

Usury laws limit the interest rate amount a lender can charge. In Georgia, a licensed lender can not charge more than 10 % interest on a loan of {$3000.00} or less. Most states have a usury limit ; if you were to borrow money from an out-of-state lending institution, that states cap would apply. Bear in mind that these rates may differ from Georgias rates. 
I want this debt to be considered CLOSED and any and all actions taken from them will result in legal action, both state and federal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In my recent experience doing a jumbo loan refinance with Quicken Loans, their sales and servicing practices are deceptive, unfair, and dishonest. 

I completed a refinancing with Quicken Loans in XX/XX/2021. I was told by the contact there that Quicken Loans services ALL of their loans. This was a major factor in my decision to use Quicken Loans for my refinance, because it was important to me to have a modern loan service that is online via websites and mobile apps. 

In XXXX, after only a few payment cycles, Quicken Loans sold the servicing of my loan to a different servicing bank, XXXX XXXX. XXXX XXXX  has only rudimentary online servicing. It requires multiple phone calls and paper letters to make changes to my account. I am not able to easily set up automatic payments like I did with Quicken. XXXX XXXX  also does not have proper staffing to answer phone calls, and they told me I will I have to wait 48-72 hours to hear responses back from their loan department. 

When I called and escalated my complaint to Quicken Loans and talked to a member of their research team, I was told that Quicken Loans does not ever service my loan category. As policy, they sell all jumbo loans. To me, this was important information that I was never told in the refinance application process. I believe I was sold a product that I am now not receiving. Nowhere in the process was I explicitly and clearly notified, either in writing or verbally, that Quicken Loans would not service my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: SI Mortgage Comapny Co.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Dear sir Madam, I XXXX XXXX XXXX XXXX, residing at XXXX XXXX XXXX XXXX, Florida XXXX, got in touch with a loan officer ( NMLS ID XXXX ) at Sitar Mortgage a national wide lender ( NMLS ID XXXX ) to process my home refinance sometime back in XX/XX/2021. The authorized loan officer promised an APR of 2.875 for a 30 year loan period and have locked my rate immediately on the same day. However there was no paper confirmation given to me, though i have repeatedly requested. Along with this, i have been also promised about lender credits which will cover most of my closing costs to which i have agreed with. Have attached email confirmation on the same. The lender did not provide any paper confirmation even after repeated requests and made me wait till XX/XX/XXXX for closing. During this time between XXXX and XXXX, I have provided all my documents and consent to the closing disclosures shared which i have attached. 

On the day of closing, the closing was rescheduled with no notice to me. From that day XX/XX/XXXX, i'm unable to contact the lender through phones/email. Meanwhile have reached out to CEO of Sistar mortgage XXXX XXXX, explaining my issue, to which I got a call from the Lender that they can not match the APR of 2.875 which they promised me from the beginning along with the lender credit. On XX/XX/XXXX, the new APR was changed to 3 %, to which I agreed to move forward with lender credits to cover my closing costs. Post that conversation, All of a sudden the lender has abandoned me with no proper responses to my questions since last one month. Have attached all the related emails on the same. 

Also, there is no paper confirmation on any of the Loan estimates, which is concerning and not a fair business practice for the consumers.

Company response to consumer: Closed with explanation