BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize ( XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXXXXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX All Banks XXXXXXXX XXXX XXXX   XXXX Inquiry  from XX/XX/XXXX XXXX Banks XXXX XXXXXXXXXXXX XXXX XXXX   Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXXXXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, XXXX XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX All Banks XXXX XXXXXXXX XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX All Banks XXXX XXXXXXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XXXX XXXX, XXXX Auto Financing XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies )

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 2018-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize ( XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXXXXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Credit Card XXXX. 
XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX All Banks XXXXXXXX XXXX XXXX   XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Usa Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXXXXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXXXXXX XXXX from XXXX XXXX, XXXX All Banks XXXX XXXXXXXX XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XXXX XXXX, XXXX Auto Financing XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies )

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 2018-06-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
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:
Portfolio Recovery Associates is reporting on my credit report as a factoring company and is not a factoring company, they are a debt buyer. This is a violation of FCRA .Also on the account the terms are listed as one month. I never made agreement with PRA on terms for this account which is inaccurate and violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: U.S. BANCORP
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Car was turned in on time. Lender for the lease was US Bank. 

US Bank withdrew an additional payment after the lease was returned to XXXX from the bank without permission. 

When I called US Bank, they apologized and said they were going to immediately refund the payment. They did not. 

I then received a final statement 5 weeks after the car was returned stating that I owed an additional XXXX, and had outstanding rent of XXXX and they were going to apply the previous unnecessary and unauthorized payment and that I owed XXXX still. 

I then called and they said they had no record of the previous communications and no record of committing to return the unauthorized payment, but the car was turned in on time and now they are sending back a payment of approx. 700.00 from the overpayment minus the lease termination fee. 

If I hadn't been monitoring the refund, the bank was planning on committing fraud by keeping the overpayment that they took that was not authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: FL
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:
XXXX In Accordance with the Fair Credit act XXXX account # XXXX, has violated my rights.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: Navient Solutions, LLC.
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 Navient flagged my credit report with all three bureaus for being 90 days past due. I contacted Navient on the same day and they referred me back to the credit bureaus who were reporting to handle the issue. On XX/XX/2018 I disputed all Navient account because there was NEVER a late payment. My loans are actually in forbearance and have been back dated for months. Two days later I got an alert from the credit bureau 's saying that the information was accurate and nothing has been changed. My credit score has dropped more than 120 points and now I can not apply for an apartment because of this FALSE reporting. I need this to be fixed immediately and I don't know where to turn. Please help me to get this issue resolved?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a XXXX XXXX Credit Card with Wells Fargo Bank that was closed by Wells Fargo without notice. The account was opened in XX/XX/2016  and never had a balance because it is a credit card that is used for medical expenses. Fortunately, I did not need to use it. When I went on the Wells Fargo website to pay my mortgage and other Wells Fargo Credit cards I noticed that the XXXX XXXX was closed. I never received any e-mail, letter or alerts that the account was pending closure. I called up and asked why the account was closed and WF informed me it was closed due to inactivity. I asked why I was not notified and was told someone would contact me in a few days. About a week later I received a letter stating that they do not notify the customer if the account is closed and I would need to go to XXXX XXXX if I wanted to reopen the account. I do not want a new inquiry on my credit report and do not want to have an account showing as closed by the creditor. If I had known the bank was planning on closing the account I would have paid a doctor bill with it to keep it open. I would like this account reopened and I will make a payment to my doctor when I get my annual physical.

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 2020-02-03
Company: LD Holdings Group, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Loandepot.com ... They continue calling me. I've asked them repeatedly to stop calling and take my name off their list and they refused. They are calling from+XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a a US Bank personal checking account in person on XX/XX/XXXX. I deposited {$25.00} in cash to both checking and savings.

OnXX/XX/XXXX I received a phone call from the bank rep that opened my account asking if I was able to get online banking set up and if I had any questions. That same day I transferred {$1400.00} from XXXX to checking account. 

On XX/XX/XXXX my debit card arrives but my checking and savings accounts disappear in online banking. 

On XX/XX/XXXX I am no longer able to log into online banking and get a message directing me to call US Bank. 

On XX/XX/XXXX I call US Bank and I'm told that " new accounts closed my account citing the terms and conditions that they can close accounts for any reason or no reason. I was told to call the local branch for more information. 

On XX/XX/XXXX I spoke with the local bank rep who opened my account who confirmed that the account was closed and that it was done under the " for any reason or no reason '' clause in the terms and conditions. I asked about my funds and she could not confirm that my {$1400.00} transfer completed or whether it was being mailed to me. She informed me that any cash I deposited " should be sent via check. '' Now my ~ {$1500.00} is in limbo due to US Bank 's policy of shutting down an account 2 weeks after opening. They will not cite a reason for the shutdown and the only transactions on the account are my original cash funding.

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 2020-07-02
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have sent numerous letters to Experian regarding the inaccuracy being reported under my XXXX XXXX account. What doesn't make sense is that IF the data furnisher is reporting this accurately for XXXX and XXXX, why isn't is being reported accurately for Experian. Also, after providing proof, Experian still hasn't done anything about it as per their obligation. The payment status is WRONG. The status should be Current as it was not late when the account was closed.

Also, XXXX has not addressed my complaint regarding my XXXX XXXX ( XXXX XXXX ). I challenged the account and Experian and XXXX removed it, but XXXX did not. How is it that the same account was challenged and resulted in different outcomes IF the account was investigated by the same data furnisher?

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 2018-05-12
Company: AMERICAN EXPRESS COMPANY
State: MS
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/XXXX I noticed on XXXX XXXX that Amex had reported my closed account as being late. That same day I contacted Amex and I asked for an explanation and I was told there was a {$1.00} balance on my account which I did not know since I never received my final bill. The agent apologized and stated that Amex would re-age my account and forgive the balance and it would be corrected on my credit reports. 

On XX/XX/XXXX I contacted Amex again since my reports still showed the negative information and was told it was still being worked on and I should wait for 1 to 2 billing cycles. 

To this day the account is still reporting to the credit bureaus as 30 days past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-03
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
I AM REQUESTING TO HAVE FRAUDULENT INFORMATION FROM SYNC/PAYPAL   REMOVED FROM CREDIT REPORT I NEVER OPEND CREDIT OR USED CREDIT. MY PHONE NUMBER WAS HACKED THROUGH XXXX  AND FRAUDULENT ITEMS WERE OPENED.

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 2020-02-03
Company: AES/PHEAA
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I meet all of the requirements for student loan forgiveness under PSLF. I applied and FedLoan told me I am not eligible until XX/XX/XXXX. My eligibility for forgiveness has been under review since XX/XX/XXXX, and the eligibility dates they have provided me have changed. 

FedLoan says my student loans were in deferment from XXXX - XXXX under XXXX XXXX XXXX. I know I made payments during this time. However, since I am no longer able to access my XXXX XXXX XXXX information online, I have requested my payment history during the time my loans were serviced by XXXX XXXX XXXX. I have requested this information from both XXXX and XXXX multiple times without complete success. I am looking for my full payment history as well as full customer service history during the time my loans were serviced by XXXX XXXX XXXX, specifically from XX/XX/XXXX - XXXX when XXXX XXXX took over my student loan.

Although I do not have the full payment history from the time my loans were serviced by XXXX XXXX XXXX, I have a document from XXXX  showing that I entered into an income based repayment plan on XX/XX/XXXX. This suggests to me that I began making payments after this date. ( document attached ) I also have documentation from XXXX showing payment history as far back as XX/XX/XXXX. This suggests my eligibility for loan forgiveness under PSLF should at least be XX/XX/XXXX. ( document attached ) My students loans would have been in deferment up until XX/XX/XXXX. However, once I entered into that payment plan, I dropped classes in the Fall XXXX semester and began making payments on my student loan as part of the PSLF program. My transcripts show I dropped classes and did not enroll in coursework to meet deferment requirements after that time. This also suggests to me that I started making payments. Otherwise, I would have continued taking classes to keep my students loans in deferment. ( document attached ) One last point I would like to make, my employment also meets the employment requirements of the PSLF program. I have worked for this same employer for over ten years. This has been verified and approved by FedLoan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-12
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: Personal information incorrect

Complaint:
On or around XX/XX/XXXX, EQUIFAX allowed an unknown source to place incorrect information on my Consumer Credit Report. On XX/XX/XXXX,  the consumer contacted EQUIFAX to inquiry about the wrong information and requested the source identity, the source was not identified. 

The consumer is requesting an investigation to identify the source who placed the fraudulent information on her credit file. The investigation should include the United States Postal Service, since the erroneous address reported is : XXXX XXXX XXXX, XXXX, GA XXXX. The consumer has never lived, owned, reported nor received United States Postal Service ( USPS ) mail at XXXX XXXX, XXXX, GA XXXX. 

Even with an existing FRAUD ALERT and XXXX XXXX XXXX, EQUIFAX allowed this incorrect information to be successfully added to the consumer 's credit file without her knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I'm XXXX yr old on SS.. 
Purchased home in XXXXmade monthly payments on time.Through XXXX  XXXX XXXX XXXX 
Select Portfolio Servicing has it now.

Got a 2nd mortgage a few years ago.

Got behind on paying and it worse after C19..no work.. 

I never miss my payment on original mortgage. 

Foreclosing on XXXX. 

I can pay XXXX a month on it to catch up while paying my regular payment. 
I live along and need help with this Thanks XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: CHARLES SCHWAB CORPORATION, THE
State: UNITED STATES MINOR OUTLYING ISLANDS
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 have two companies that monitor my social security number and credit reports, and last XXXX I was notified that someone tried to open an account with Charles Schwab, so I immediately called the number on my XXXX  credit report for Charles Schwab, explaining that I had not applied for any type of account with them, and I did not live in the state where it was applied at, as well as the fact that they used a previous name of mine " XXXX '' that I haven't used for 13 or more years. I had to go through a verification process to prove this was fraudulent, and they agreed. The sent me a letter stating the didn't open the account and removed any damages if there were any. They did not remove the " hard inquiry '' from my XXXX  report, and I contacted both XXXX  and Charles Schwab at least 5 times because of this. XXXX  states that Charles Schwab has to send them a letter stating that the hard inquiry needs to be removed, regardless that they admitting that it was in direct relation to a fraudulent account. I have written letters to Charles Schwab as well, yet they will not do anything. Every person I speak to states they will get it to the " Fraud Dept '' and nothing ever comes of this. It has been almost 4 months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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/XXXX I noticed on XXXX XXXX that XXXX had reported my closed account as being late. That same day I contacted XXXX and I asked for an explanation and I was told there was a {$1.00} balance on my account which I did not know since I never received my final bill. The agent apologized and stated that XXXX would re-age my account and forgive the balance and it would be corrected on my credit reports. 

On XX/XX/XXXX I contacted XXXX again since my reports still showed the negative information and was told it was still being worked on and I should wait for 1 to 2 billing cycles. 

To this day the account is still reporting to the credit bureaus as 30 days past due.

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 2021-02-22
Company: California Business Bureau, 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 information incorrect

Complaint:
XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$450.00} CALIFORNIA BUSINESS BU ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX*XXXX Balance : {$530.00} XXXX XXXX XXXX Balance : {$1200.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation