BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-22
Company: Experian Information Solutions Inc.
State: DC
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:
Currently I have been in the process of getting a mortgage. I started this process back in XX/XX/XXXX. I began the search of lenders and discovered that I had issues to resolve with my credit report. I discovered discrepancies with all three bureaus. I had cleaned up my credit and settled some debt at the same time I deputed something and let time pass so my scores would increase. In XXXX a dispute was on my credit report. I had the disputes removed and my scores dropped to significantly. In XX/XX/XXXX I began to build more credit and produce 2 trade lines which appeared in XXXX and in XXXX taking my scores up between all three bureaus. I had my credit report pulled on XX/XX/XXXX and on the consumer reports my credit scores were XXXX-experian, XXXX XXXX, and XXXX XXXX. My lender pulled my credit and the disputes back in XXXX reappeared. I called to have them removed and at the same time I had 2 trade lines to post, 500 increase on student loans to appear, removal of the disputes which caused my consumer scores to go down to XXXX for XXXX XXXX which I loss 66 point from an account being in dispute since XX/XX/XXXX which wasn't made aware to me, XXXX Experian a loss of 53 points the same XXXX XXXX acct dispute was removed, and a loss of 35 points within days of removal of the dispute which was placed on my acct. back in XXXX caused extreme damage to my credit report. I am writing this dispute because i dont think it was lawful for the bureaus to be able to impact my credit significantly when disputes are suppose to be resolved within 30 days. These disputes were placed on my accounts in XXXX and removed in XX/XX/XXXX. Are credit bureaus allowed to deducted 50 or more points with no significant changes on ones reports or trade lines? This has and still is causing a significant problem for me and my family. I am not able to complete the lending process because of the inaccuracy reporting between all three bureaus.

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 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX Acct # XXXX XX/XX/2019 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

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 2022-09-10
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX Balance : {$80.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have an  XXXX   XXXX  account with USAA and I 've been constantly been charged with interest on purchases fees in the amount of {$57.00} and also hit with a interest charge for cash advances in the amount of {$46.00} on a monthly basis. I 'm hit with the interest on purchase fee if I pull out  a cash advance and I believe the cash advance  fee to way to high. I 'm also hit with these same charges even if I dont ' use the card at all. I 'm being told that I also incur these charges if I carry a balance over to the next month. I 've been making payments on this account for years and these charges whether I use the card or not is keeping me in a constant loop of debt. I 've tried to talk to  XXXX   XXXX  at USAA about these constant charges to no avail. I need this agency to step in and mediate an fair rate of interest. It 's like a mob shake down where I will never be able to pay this account off. I 've attached a copy of my account statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
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: Account status incorrect

Complaint:
I have attempted to contact the credit bureaus on    XXXX   XXXX    requesting proper documentation for the things that have been reported. I did not receive a response, on    XXXX   XXXX   I c alled all three bureaus they stated they would provide proper documentation within 30 days and I have received nothing.  <P/>  XXXX   - {$3200.00}, {$2900.00}, {$1300.00}, {$2100.00}, {$1500.00}, {$2000.00}, {$950.00}, {$1900.00}, {$140.00}   XXXX   XXXX   - &  XXXX ,  XXXX   XXXX   XXXX   XXXX   - {$460.00}  XXXX - {$710.00}   XXXX   XXXX   - {$1200.00}  XXXX - {$620.00}  XXXX - {$140.00}   XXXX   XXXX   XXXX  - {$150.00} & {$110.00}   XXXX   XXXX   I feel my rights under the FCRA had been violated because I was denied copies of documents that were supposedly used to validate accounts and public records on my bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
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 status incorrect

Complaint:
I have attempted to contact the credit bureaus on    XXXX   XXXX   requesting proper documentation for the things that have been reported. I did not receive a response, on   XXXX   XXXX   I called all three bureaus they stated they would provi de proper documentation within 30 days and I have received nothing.  <P/>   XXXX  - {$3200.00}, {$2900.00}, {$1300.00}, {$2100.00}, {$1500.00}, {$2000.00}, {$950.00}, {$1900.00}, {$140.00}   XXXX   XXXX   - &  XXXX ,  XXXX   XXXX   XXXX   XXXX   - {$460.00}  XXXX - {$710.00}   XXXX   XXXX   - {$1200.00}  XXXX - {$620.00}  XXXX - {$140.00}   XXXX   XXXX   XXXX  - {$150.00} & {$110.00}   XXXX   XXXX   I feel my rights under the FCRA had been violated because I was denied copies of documents that were supposedly used to validate accounts and public records on my bureaus

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 2022-09-10
Company: CURO Intermediate Holdings
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX COMPLAINT FOR EQUITABLE RELIEF FOR VIOLATION OF SECTION 1 OF THE SHERMAN ACT, 15 U.S.C. 1 The aforesaid agreements unreasonably restrain trade and are illegal under Section 1 of the Sherman Act, 15 U.S.C. 1 Title 15 U.S. CODE 1 - Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal. Every person who shall make any contract or engage in any combination or conspiracy hereby declared to be illegal shall be deemed guilty of a felony, and, on conviction thereof, shall be punished by fine not exceeding {>= $1,000,000} if a corporation, or, if any other person, {>= $1,000,000}, or by imprisonment not exceeding 10 years, or by both said punishments, in the discretion of the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On  XXXX   XXXX , I call ed USAA Debt Solutio n due to received a letter about loan being pass due. They refer me to   XXXX   XXXX   and I filled out an application for a short term hardship. I fax documents back and was told it can take up to 30 days. I called for updates and told it 's pending. Even called on  XXXX   XXXX  and  XXXX   XXXX  concerning another issue and not told approved. Received letter dated  XXXX   XXXX  threatening repo. Called  XXXX   XXXX  to  XXXX   XXXX  and told was approved for program on  XXXX   XXXX  but no one called to let me know because I 'm on do not call list. Stated no because I get collection call and never requested. Asked for date placed and why but was told no date. Reque sted manager callback. Manager callba ck  XXXX   XXXX  and tell me just got fill out new application because over 30 days. The process takes up to 30 days itself so. She stated ca n't use old approval. Get more calls and stated must pay by  XXXX   XXXX  or will repo.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-27
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:
This is my sixth attempt at trying to get hep with some fraudelent inquries, I have tried talking to someone at equifax over the phone, I have tried sending in letters in the mail, I have tried submited complaint, here it is again. My issue is that I have some fraudelent inquries that I have been trying to get off my credit repoert for THREE MONTHS. I have spoken to multiple people over the phone who says to send in an identity theft report with the fraudelent inquries names and dates, and a copy of my I.D and Social Security card, I have sent in all of those documents multiple times, I with no results. So I will try something new I will upload those documents here in my ftc complaint, so they can not claim they never recieved them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-02-22
Company: CURO Intermediate Holdings
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
These following account below said to be a collection account that was sold to XXXX/XXXX  with the same account number showing on my report. This collection accounts were both reporting on my report which leads to multiple appearances and a grave impact on my Credit scores and credentials. These particular collection accounts should not be shown as XXXX different collections since they're definitely the same. Moreover, I have made my payment to the original creditor. These should have been removed if a proper investigation was conducted. If you still insist that I am still liable, make sure to provide me definite and legal proof for me to confirm. 
XXXX/XXXX  XXXX Balance : {$1000.00} AD ASTRA REC ( Original Creditor : XXXX  XXXX XXXX ) XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: Experian Information Solutions 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 status incorrect

Complaint:
I have attempted to contact the credit bureaus o n   XXXX   XXXX   requesting proper documentation for the things that have been reported. I did not receive a response, on   XXXX   XXXX   I called all three bureaus they stated they would pro vide proper documentation within 30 days and I have received nothing.  <P/>   XXXX  - {$3200.00}, {$2900.00}, {$1300.00}, {$2100.00}, {$1500.00}, {$2000.00}, {$950.00}, {$1900.00}, {$140.00}   XXXX   XXXX   - &  XXXX ,  XXXX   XXXX   XXXX   XXXX   - {$460.00}  XXXX - {$710.00}   XXXX   XXXX   - {$1200.00}  XXXX - {$620.00}  XXXX - {$140.00}   XXXX   XXXX   XXXX  - {$150.00} & {$110.00}   XXXX   XXXX   I feel my rights under the FCRA had been violated because I was denied copies of documents that were supposedly used to validate accounts and public records on my bureaus

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 2022-03-30
Company: Settle It Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Settle It, Inc lawsuit mounted by CFPB. I am a victim of this companys fraudulent telemarketing and subsequent loan with their affiliate XXXX XXXX. In early XXXX, they intercepted a phone call I made to XXXX XXXX XXXX stating Lets fix your credit and if I adhered to their program, in XXXX months, they would pay off all my creditors and improve my credit. By the time I received a loan arranged by them with XXXX XXXX, it was approximately a year later and I was paying them now $ XXXX. The loan with XXXX XXXX was for {$9600.00} and my payments were $ XXXX. I have been paying them since XX/XX/XXXX. The interest rate is 24 % and compounded daily on the outstanding balance. So far I have paid them {$11000.00} and the loan doesnt mature until XX/XX/XXXX and so I will have paid them thousands more. I talked with XXXX XXXX re why was my loan with them and they just said you signed an agreement. I felt helpless. What is so outrageous, however, is my credit is destroyed. All the credit cards that were in the program just say CO meaning charged off with 0 balances due to nonpayment. This is very negative. There was no information that these accounts were apart of a debt settlement program. Settle It took my money and fraudulently assured me their program would improve my credit in the long run. I am devastated because credit is so important. I am so ashamed and this has affected the quality of my life. Im fearful of being duped and no longer trust anyone. I know I should have been more informed. What a terrible lesson. I might as well be in jail myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
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: Reporting company used your report improperly

Complaint:
Inquiries/ Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In according to FCRA ( 1970 ) 15 U.S.C.1681 and CFPB. My latest credit inquiries are showing excessive amount of inquiries that I did not authorize.

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 consent.

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 2018-04-20
Company: Prosper Marketplace, Inc.
State: DC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
well. I have XXXX credit score and income sourse from XXXX XXXX and i have shown that information to this company afer was highly preaproved however XXXX XXXX compared other borrower like me and then after feeling completing all sharing all my fanaciol information with XXXX afilated of XXXX they sent me an email telling that they could not figureout my income source, after all not even also this company asked me to share my private banking information and create a hard inquiries on my credit record without and any reliable results therefore I never tried to share or compremise my banking information unless otherwise was nesecery since and was preaproved and then denied but nothing more than real discremation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2019 I paid {$1400.00} to Ditech Financial LLC for my mortgage, on their website. 
XX/XX/2019 Ditech emailed me that the payment was not honored. 
XX/XX/2019 I called my bank and Ditech because I had sufficient funds. My bank confirmed that the {$1400.00} payment never presented to the bank, and I had sufficient funds. Ditech took my payment over the phone and admitted to " glitch '' in their website. 
XX/XX/2019 Ditech sent a certified letter accusing me of " non-sufficient funds and threatened fees, contractual rights and equitable remedies. '' XX/XX/2019 I called Ditech to get to the bottom, and facilitate a second conference call with my bank. Ditech reversed the NSF fee and told me that the matter was resolved. 
XX/XX/2019 Ditech generated another threatening letter after my call indicating that the issue was turned over to a debt collector. Why would they do that after they reversed the fee? I have paid all of my mortgage payments and there are no late fees or payments outstanding. 
XX/XX/2019 I mailed a certified letter with supporting documentation that my bank never received the request for transfer of {$1400.00}, and my bank has not charged NSF to my account. 
XX/XX/2019 Ditech mailed another letter requesting more bank documentation showing sufficient funds. The latest letter changed all of the dates and amounts of payments and NSF claims. They are completely confused about the entire situation, but I have documentation of each email and letter. 
XX/XX/2019 I mailed additional documentation to Ditech in AZ and also the CEO in PA. I also filed a complaint with the XXXX. I am exhausted with Ditech harassing me for a payment that I made on time and they admitted to botching the processing of payment. I have spent so many hours waiting for a Ditech rep or manager, and creating conference calls, that Ditech is causing much distress and I am wondering if I need to contact the media or an attorney. Please help me. I am a XXXX vet, a XXXX XXXX and a upstanding citizen paying my bills on time. I shouldn't be harassed when Ditech 's website has a glitch.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-17
Company: BARCLAYS BANK DELAWARE
State: NC
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:
Brclysbankde   XXXX , DE  XXXX  (  XXXX  )  XXXX  I have called and told them that someone tried to open an account in my name and they refuse to let me talk to the department that would take this off my credit report. I have never applied for this place. I am not even sure what it goes to. OPPlease take this off all my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: WELLS FARGO & COMPANY
State: AK
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The interest on my loan was extremely high. I can not tell if they put a down payment on my deposit and everyone that was involved in my loan was fired. I just thought that was kind of odd. Can you help me?

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 2021-10-27
Company: Accurate Background
State: VA
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: Report provided to employer without your written authorization

Complaint:
My background check was submitted to XXXX by a company named accurate background checks. The went back over 11 years on the background check when they were only supposed to go back 7 years. Also they submitted an inaccurate charge on my record for reckless driving in XXXX XXXX Virginia in 2018 I have never been to XXXX XXXX Virginia. 
Below I have added my reference number for this background check from this company. XXXX

Company response to consumer: Closed with non-monetary relief