BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
FILED WITH FTC, SENT INFO TO AL 3 BUREAUS,,, AND CONNS

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 2017-08-09
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I obtained student loans from Sallie Mae when I was completing my XXXX education. Everything was alright with the loans until I went into repayment after graduation. I was misled about the type of loan I had and the interest rates. I was told that the interest rates would be capped at a certain percentage, but every month my interest rates increase by 0.25 % and all 4 of my loans are above 10.5 % and still increasing. I tried to call Sallie Mae to discuss this and they told me that the interest rates do not cap at a certain percentage. Sallie Mae told me that I would receive a 0.25 % interest rate deduction due to me being signed up for auto pay, but no deduction is reflected in my loan balances. I 've tried to call Sallie Mae to get my interest rate decreased, but they said the only way that I can have my interest rates reduced is if my loans default. I do n't see why my loans have to default in order to get my interest rate lowered. That 's absurd. I pay over $ 4,000/ month in bills and Sallie Mae refuses to work with me, but continues to scam myself and other consumers with their fraudulent practices. I try to keep up with my loan payments but it 's hard to when every month my loan balance increases instead of decreases because I 'm paying more in interest rates than principal. This is unacceptable and Sallie Mae needs to fix this. I 've tried to call customer service on numerous occasions to assist with lowering my interest rates but get nowhere with their very poor customer service. I have a loan balance totalling over {$25000.00} that I have been having a difficult time paying on because I have other loans and bills to manage but the balance does n't decrease because of the interest rate. Why will Sallie Mae not work with me to lower my interest rates until my loans default? That is ridiculous and this type of practice needs to be looked into.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
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:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap: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;XXXX XXXX  and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX, XXXX and Experian, it seems that credit cards and other inquiries have been carried out with me requesting them. It seems that the card company periodally do this and it affects my credit. Then it lowers my credits score when I pay my bills on time, I have recently paid off two cars and mortgage has never been late. I can not understand why on all my credit reports it show a low credit score. The companies that have recently conducted inquires on my report is what I am referring too. Please review this, these errors need to be consider and changed. I believe that my credit score is really too low for someone that pays there bills on time. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: EQUIFAX, INC.
State: LA
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:
Since XX/XX/XXXX XXXX XXXX and equifax have been reporting wrong on my credit report. The truck was paid in XX/XX/XXXX. They are reporting that the payments have been late in November XX/XX/XXXX and XX/XX/XXXX. The truck was paid in XX/XX/XXXX no way it was late. I would like my credit score recalculated and fix asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX I was contacted by a XXXX XXXX XXXX representative stating that an imminent court summons was coming with intent to sue, put a lien on my home and garnish my wages. This was regarding an HSBC Bank credit card I assumed was discharged in bankruptcy in XXXX. I was told by the representative that my attorney said the HSBC account had not been included in my bankruptcy and the debt had ballooned with interest and penalties. Oddly, this debt is and was not on my credit report. Not did I ever receive any written notification of the debt. With my work reputation being threatened, I foolishly made a settlement payment for {$1700.00} with the understanding from the representative that I would receive a certified letter detailing the debt and the HSBC account number. I intended to present this to my attorney for comparison. The letter never came. The threat to my reputation and home caused me undue stress and caused me to make a hasty decision that I would otherwise not make. Hindsight is of course 20/20 : I never received a validation notice ; the debt did not appear on my credit report so it is quite possibly time-barred ; the tactics used were classic coercion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
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:
Upon reviewing my account my credit report has inquires that I do not recognize and that I did not authorized. on XX/XX/XXXX  from XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX, TX XXXX and XXXX XXXX XXXX on XX/XX/XXXX  These company are under violations of my rights in section 1681 and I would like these inquiry to be removed from my credit report 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 2021-05-19
Company: Franklin Collection Service, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is reporting a debt owed on my credit reports, however I have never had an dealing with them and do not owe them money. I have tried contacting with no response. I have not received any written communication. I want this removed from my credit report immediately. they have no business with me, and I refuse to deal with them any further. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was asked to be a sugar baby to someone Ive never met in XXXX of XXXX. I allowed this person to access and deposit a check in the amount of {$3800.00} on XXXX XXXX. I then received notification from Capital One that they were going to close my account and said that I would never be able to open an account with CAPITAL ONE again. Because of this, I thought they were voiding the check. Since I needed the money, another check from the same person was deposited into a XXXX XXXX  account. My account was closed with XXXX as well, HOWEVER, on XXXX XXXX, XXXX XXXX sent me the closing amount of {$6300.00} from the check received which tells me that the check is valid. Now today, XX/XX/2020, I go to CAPITAL ONE bank and ask for the remaining funds. The excuse I am given is that the check is still under investigation since XXXX because they do not have enough information to release the check. It has been 3 months now and they are just holding the money. Please help me receive these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: AG AH LLC
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:
1. When CV-19 hit, our tenants told us that they had lost their jobs and that we could not pay the rent on our single family house. 
2. We requested CV-19 Forbearance of the mortgage payments in writing on XX/XX/XXXX, and again on XX/XX/2020. 
3. We received a letter informing us that our CV-19 Forbearance Plan would begin XX/XX/2020. 
4. On XX/XX/XXXX we requested that our Forbearance Plan start, and include XX/XX/2020. We also requested that any negative credit report of a missed payment be removed. 
XXXX. On XX/XX/XXXX we received a reply to our XX/XX/XXXX email. The bank stated : " We have received your recent inquiry regarding your mortgage account. Your credit dispute has been forwarded to our credit team. Please allow time for the research and resolution for this request. '' 6.  On XX/XX/XXXX we notified the bank that we had still not received a response to our demands for correction and that we would be filing a complaint with the CFPB. 
7. We have never heard from the bank following their XX/XX/XXXX email to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
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: Account information incorrect

Complaint:
The credit bureau 's are reporting inaccurate information on my credit report. Im uploading a copy of my dispute letter to show you the inaccurate accounts on my report. This is illegal and effecting me negatively.

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 2017-08-09
Company: Omega RMS, LLC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
OMEGA company has give me a bad credit for two years. one payment was missed and with out telling me they ask for XXXX. for compensation for the loss. i found out this on a credit report.now in collection and/or write off. I would like this to stop

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Shellpoint Partners, LLC
State: TN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX I applied for a refinance on my home which is currently finance by New Rez. I supplied all information needed and I receive a conditional approval around XX/XX/XXXX. I was told the estimated closing was XX/XX/XXXX. I have reach out to this company numerous of times and emails to show as well. I was told by processor she has XXXX files and thats why it is taking so long. I have been asked for the same information over and over again that had been submitted already. I asked to speak to the manager XXXX XXXX who never returned my phone call. When inquiring about my loan in XXXX I was told waiting on title this month it was pay off. This has been a never ending process. It should not take 5 months to refinance when I am constantly asking what is needed. I have had my daughter to reach out several times. No response. I have file a complaint with the XXXX  and the response I received stated we were scheduled to close on XX/XX/XXXX and to contact XXXX her supervisor. I have included the attachment below as well of the complaint. No one should be treated in the manner that me and my husband have experienced. I will continue to write until something is done about this situation as I have already paid over {$500.00} for an Appraisel and each month that I am paying 8.9 % interest rate. is it costing me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Account : XXXX ( Hospital visit covered by insurance ) According to FCRA, 15 US C 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish a account without written instruction. Also, this bill was covered by insurance 100 % should not be in collections. I need it removed 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 2020-12-09
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have several accounts at TD Bank and frequently use their online banking service to transfer money between them that are immediately credited to the receiving account, with ONE exception. 

When I transfer money from a checking account to pay the credit card account, the money is deducted immediately from the sending account and not credited on the receiving credit card account until several days later. 

Recently I began traveling to a TD Bank branch and withdrawing the funds from my checking account then paying the cash directly to my credit card. That worked only for one month, the next month the Teller entered the wrong code for my cash credit card payment and I again had to spend hours on the telephone getting the paid amount posted to my credit card. This month, I am sick in bed and unable to visit a branch which I probably should not be doing anyway given the current pandemic. Again, I did an online transfer, received a receipt saying the transfer was successful and have been told I have to wait 1-2 business days for the payment to be posted to my credit card. Anything that can be done to address this problem will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: Collection Bureau of the Hudson Valley, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After I relocated, XXXX XXXX contended I owed them a final bill, and sold the debt to Collection Bureau of Hudson Valley. I was never sent a final bill by XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX attempted to collect the debt which was sold to them by XXXX. They called my mobile phone repeatedly, and refused to furnish proof of the debt when asked multiple times. Instead of providing evidence or documentation, they pressed me for my checking account information so they could perform an ACH withdrawal to cover amount of the debt. They recently obtained my home phone number and repeatedly called me even after I requested they cease calling me because they would not provide any documented proof of the debt. Representatives of this company would not send me any documentation including a bill, letter, or payment coupon. At this point, the only way I knew the amount of the debt was when it was reported it to the credit bureau - they still however failed to provide sufficient evidence to prove I was accountable for the debt. They have since caused my credit score to drop, and I was denied an education loan because the " delinquency '' was too recent. I called XXXX, and the manager was unable to disclose details and further discuss the matter as they explained the debt was being handled by an external agency. They also could not furnish proof that the debt was still owed. I was advised to call the Collection Bureau of Hudson Valley, and once again they wanted to access to my checking account without furnishing prof of an actual debt. In late XXXX 2017, I filed a dispute with the credit bureau to resolve or at least obtain documented proof of the debt, and I was advised by XXXX that the debt was valid and could not be disputed, once again no actual documentation was furnished. I asked for documented proof of the debt so that I could confirm it was my debt, and once confirmed to pay the debt. This has been ongoing for 7 months. Can someone assist?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-04
Company: DISCOVER BANK
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am refinancing current 1st and 2nd mortgage. The process requires payoff statements. The 2nd mortgage is with Discover Home Loans. My lender for the refinance attempted on XX/XX/XXXX to obtain directly on their own. Discover would not release, which the lender stated this is a common problem with Discover. I called on XX/XX/XXXX and requested a fax and for it to be mailed. Have not received fax, which was promised within 48 hours and the mail is stated to take 7-10 days which also has not been received. Also attempted to obtain online but states it needs special handling. New lender contacted me on XXXX stating they have yet to receive. So, I call again to request. Confirmed prior fax but asked for a new number. Had to insist they fax rather than mail. They stated it would be provided within 20 minutes. It is now XXXX and still no receipt. This is the final item needed to proceed to issuing the closing disclosure. Closing is delayed and is now costing money as the refi is at a much lower rate. In aggregate, will save over {$500.00} per month. Feel for other borrowers that are being treating in this unacceptable manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: WV
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:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2020-09-04
Company: Lending Club Corp
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have no idea why it says I have had a late payment on my credit card! Ive never missed a payment. I checked my credit and I have a late payment! I know I didnt miss a payment. Im going through a really difficult time making sure everything is payed for because Im trying to buy a house and I just loss my father due to covid on top of that being a mother of XXXX  has been rough. Please help me resolve this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
All inquiries I did not approve

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 2020-10-28
Company: WELLS FARGO & COMPANY
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX was financed by Wells Fargo Bank. Vehicle was Repossessed in XXXX as a XXXX XXXX. XXXX was sold at the auction and deficiency balance of $ XXXX was charge off/ written off as a bad debt. This remained on my credit report for 7 years until the credit reporting agencies removed the debt from my credit report. Just recently I received a notice from the IRS that Wells Fargo Bank reported my debt to them via a 1099C form showing they forgave the debt. Wells Fargo Bank did something illegal and they committed fraud against me. I never received the 1099C form, and if I had I would have disputed this because they reported to the IRS that the debt was charged off in XXXX. They are being dishonest and very deceitful for what they are trying to do to consumers. The debt was a auto repo in XXXX. Vehicle was charged off /written off in XXXX and placed on my credit report for 7 plus years. If they were going to forgive the debt why did they not forgive it in XXXX when it was written off. And why wait until after the 7 plus years to report it for year XXXX after it was removed from my credit report. I am willing to fight this legally, my law firm is XXXX XXXX XXXX, they also are willing to assist me with fighting this. I spoke to the IRS and they want me to get proof of the debt being repossessed and charged off in XXXX. I am going to start a class action law suit against Wells Fargo Bank for practicing illegal actions against consumers such as this one. I need documents showing when my loan was repossessed and documents showing when the loan was charged off/written off by Wells Fargo Bank. I have every intention of taking legal action against them

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