BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-07
Company: Experian Information Solutions Inc.
State: AR
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 the app XXXX  XXXX  to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of times. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX {$510.00} XXXX XXXX {$570.00} DEPEDXXXX XXXX {$1000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXXXXXXDEPT OF ED XXXX {$10000.00} XXXX XXXX XXXX {$170.00} XXXX XXXX   XXXX {$460.00} XXXX XXXX XXXX {$650.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$10000.00}

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 2016-07-18
Company: U.S. BANCORP
State: KY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Sent my savings via US bank for a purchase overseas. The money never arrived thus could not make the purchase. Went back to ask for the money and have been for the last five weeks to no avail. Will appreciate help just getting my money back. They can keep the charges

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 monetary relief
Consumer complaint received 2016-01-19
Company: GETM INCORPORATED
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I have never received anything from them? This was XX/XX/XXXX til XX/XX/XXXX, but some how still " open '' on my credit report I ca n't get ahold of them to pay or settle ... I have no account number or anything ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-06-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am having issues with what is believed to be a mixed report with another individual. I have initiated disputes with the credit bureau. After several calls to the credit bureau, they finally initiated a proper investigation. I received notification from the credit bureau that on XXXX/XXXX/2016, the item has been deleted from my credit file. On XXXX/XXXX/2016, I looked at my credit file and the item was still reporting. I called the credit bureau, and after getting several different excuses about why the item was still reporting, I was finally told that there was an error within their system and the item would be completely deleted within 24 hours. I called back after 48 hours and my file has been placed with a special department within their company is handling my file now. They will not allow me to access my own credit file, nor will they allow potential creditors to view my file. I was told that in order to apply for credit somewhere, I need to contact them beforehand so they can allow the potential creditor access to my credit file. I did not request that they do this. This is very inconvenient. I also have credit monitoring services that I am paying for that do not have access to my file because of this unauthorized tactic by the credit bureau. 

They also placed an inquiry on my file that I did not give them permission to pull. They are the credit reporting agency, so they should have access to the credit file without have to do a " hard pull '' to view a persons credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
the past year we have been working on improving our credit rating. received an email from Transunion offering ways to help better our score. I hit the enter key and read the top XXXX companies who could help, i.e. XXXX XXXX, some debt relief co 's, etc. I went into XXXX XXXX entered name and some info, then changed mind. deleted all info. Then received an email from this co that my loan was denied. HOW did they get into my report? They told me they buy names from Transunion of people wo have credit problems, I told them I wanted them to take off their inquiry on my credit report and I was going to notify FCC, XXXX, which have been completed. see attached

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 2020-06-08
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX refuses to apply my additional payments to principle. 

They do not have an automated payment processing to put money towards principle, I must call every month to apply the additional payment amount to principle. 

Since XX/XX/2020, I've paid thousands of dollars over my regular payment amount in an attempt to apply those funds towards the principle. 

For the last six months I've been requesting XXXX to apply these credits. I've worked with multiple managers and many representatives and they all say it's been applied and takes a few days to be processed. After a few days check online, still hasn't been applied. I call in, and they say they ave applied it this time just to find out again XXXX days later that the credited funds have still not been applied. 

I've expressed this problems to the managers multiple times, nothing has been done. 

There is a serious problem of information asymmetry, where the consumer has little to no information about their account, but the company can see all of these supports cases and details. 

I've requested an email confirmation about these payments being processed, and XXXX refuses to provide me with any type of confirmation about me calling in and them handling an issue. They give me a case number, but I don't have anything on my end to assert that we've had this conversation and they insisted it has properly been applied. 

I consider this fraudulent. They are holding my money and not allowing my to apply it to my principle, they mislead me every time I attempt to resolve the issue, then refuse to give me any confirmation on my side that I talked to them about this issue ( many many times ).

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 2020-02-28
Company: EQUIFAX, 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 BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN SOME CREDIT CARD ACCOUNTS AND A LOAN ACCOUNT. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. PLEASE UNDERSTAND THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION. 
I HAVE BEEN UNDER A LOT OF STRESS BECAUSE OF THIS AND I FEEL LIKE MY LIFE WILL REMAIN AT A STANDSTILL UNTIL THIS SITUATION IS RESOLVED. MY FUTURE DEPENDS ON THIS MATTER BEING RESOLVED SO I AM ASKING THAT ACTION TAKES PLACE IN A TIMELY MANNER.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I called XXXX on XXXX XXXX, 2015 at XXXX. I asked the rep to provide all accounts appearing on my credit report to check for accuracy. He told me repeatedly that my report had not been updated since XXXX XXXX, 2015. He then insisted that I must pay for the monitoring service to " refresh '' my credit report. He stated that the FCRA does not allow them to change accounts and/or information on my credit report " without paying. '' He even stated that TransUnion could n't guarantee the accuracy of my credit report unless I paid for the monitoring service they offer. I was appalled that TransUnion would make such an unlawful assertion. That is kin to extortion, and at the very least unfair business practices in violation of the FCRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: AES/PHEAA
State: WV
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 applied for the Temporary Public Service Loan Forgiveness Program. My loan counts are way off as they are not including payments I made from XX/XX/XXXX through XXXX of XXXX. Their reasoning is they can't find the payments and they don't have the bills I was issued. Therfore they say the payments are not eligible. How can a required student payment not be eligible.just because they can't find them? I'm sure i'm not the only person being denied this Forgiveness because the Department of Education can't keep track of payments. This is unfair and not my fault. I am distraught over this. How can it be fixed. I have called FedLoan and sent emails only to be blown off by staff. I have been making the required payments for 20 years. Tell me how to fix this?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
This is the timeline of events with XXXX Bank. 
XXXX, XXXX, I tried to update my email address with XXXX Bank because I was not receiving notices. The system did not update my email address. 

XXXX XXXX, I paid off the full balance of the card. 

XXXX XXXX, they assessed an annual fee and continued sending notifications ONLY to the email address I asked them to remove. 

XXXX XXXX XXXX, I received a letter letting me know my payment was late, so I went online and paid right away, and then followed up with a phone call, where the agent told me this would not report negatively on my credit. 

XXXX XXXX, found out they reported me as 30 days late. Contacted the center, was told they can not change this reporting. 

XXXX XXXX, Contacted them again, was hung up on. 

XX/XX/XXXX, contacted the executive offices and was assigned to an account rep. Case : XXXX, assigned to XX/XX/XXXX, XXXX left message -- he did not return my call XX/XX/XXXX, XXXX Left a message, call was not returned. 

XXXX, XXXX, left another message- a different rep called to tell me he was out and would call me when he got back. He never called. 

XXXX bank needs to take ownership of this issue and correct the issue. Please reference previous complaing : XXXX. This was NOT resolved in 30 days.

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 2015-09-15
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Back in XXXX 2015 i started a loan modification through my servicer Seterus who handles my mortgage for XXXX. I was approved by Keep Your Home California in XXXX 2015 for a principal reduction and was approved for {$84000.00} reduction was was sent to Seterus in XXXX for them to recast my loan. As to date they have not applied the funds nor recast my loan. I call on a weekly basis like they tell me to. I have spoken to numerous people and have asked for a single contact person that know whats going on and they told me that they can not do that. I have asked to speak to someone in their hardest hit department and they tell me i can not speak to someone their that they will put notes in the computer requesting an update. I get numerous responds in the mail with different programs they can offer me but nothing about the recast. I got a letter XXXX/XXXX/15 & XXXX/XXXX/15 that i was approved for a modification through the XXXX who i called that told me that they do n't service my loan, on XXXX/XXXX/15 received a mortgage Trial offer that would raise my interest rate and make my loan 40years, i keep getting a suspended account statement showing my {$84000.00} that keeps going down but nothing being applied to my loan, on XXXX/XXXX/2015 i received a letter stating i was denied a loan modification, on XXXX/XXXX/15 received an escrow account statement showing a shortage. I really do n't know what to do, I am at a lost please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax removed all of my accounts from my credit report, then re-added them but without any payment history information, positive payment history, causing my score to drop XXXX points and therefore intentionally depriving me of the positive payment history reported to them. I am attaching proof of this via a report of the major XXXX obtain today. They refused to acknowledge the errors submitted in a previous complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: Experian Information Solutions Inc.
State: UT
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:
This is the timeline of events with XXXX Bank. 
XXXX, XXXX, I tried to update my email address with XXXX Bank because I was not receiving notices. The system did not update my email address. 

XXXX XXXX, I paid off the full balance of the card. 

XXXX XXXX, they assessed an annual fee and continued sending notifications ONLY to the email address I asked them to remove. 

XXXX XXXX XXXX, I received a letter letting me know my payment was late, so I went online and paid right away, and then followed up with a phone call, where the agent told me this would not report negatively on my credit. 

XXXX XXXX, found out they reported me as 30 days late. Contacted the center, was told they can not change this reporting. 

XXXX XXXX, Contacted them again, was hung up on. 

XX/XX/XXXX, contacted the executive offices and was assigned to an account rep. Case : XXXX, assigned to XX/XX/XXXX, XXXX left message -- he did not return my call XX/XX/XXXX, XXXX Left a message, call was not returned. 

XXXX, XXXX, left another message- a different rep called to tell me he was out and would call me when he got back. He never called. 

XXXX bank needs to take ownership of this issue and correct the issue. Please reference previous complaing : XXXX. This was NOT resolved in 30 days.

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 2020-02-28
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: CITIBANK, N.A.
State: WI
Product: Credit card
Issue: Transaction issue

Complaint:
I requested my financial institution to remit a credit card payment on XX/XX/2016 to CITI Financial for a payment that was due XX/XX/2016 however, because of their system, they did n't process it until XX/XX/2016 and charged me a late fee. I fulfilled my obligation to make the payment timely yet the explanation I received was that I need to remit payments a whole week before the due date because their system may take 5-7 business days to process a payment. This violates contract law and does n't make sense that I 'm held accountable due to a financial institutions inability to process payments timely. Also, payment processing should not take this long.

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 monetary relief
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: PA
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:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA, FDCPA and HIPAA laws and regulations. I have sent out Affidavits of Verification to each of the XXXX Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX  XXXX Account Number : 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 explanation
Consumer complaint received 2020-04-07
Company: Experian Information Solutions Inc.
State: OH
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:
I had 3 late payments on XXXX XXXX XXXX  account, and 1 late payment from another source that occurred in 2018. However, these accounts were paid in full as soon as I became aware of their status. I am ALWAYS on time and pay in full. I carry only 3-4 % debt ratio, and have a habit of always paying on time. However, the credit rating I have been assigned by Experian is good. This is I feel a leveraged attempt by Experian to blackmail me into paying for Boost their product in which people pay them for an increase in their credit rating. This is extortion, this is a blatant conflict of interest, and this should be outlawed. Experian should be investigated and charges filed against them. I have sent numerous complaints to them about my suspiciously low credit rating and I have received no positive response. They either are : a ) trying to extort money from the public or b ) the markers that are used to ascertain an individuals credit rating are hopelessly deficient. I would like a full investigation into Experian and the methods in which I have arbitrarily received only a good rating.

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 2020-02-28
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have written to Nissan Motors on two occasions pointing out they are reporting a 90 late in the Payment Status when the account shows closed with a XXXX  balance. This is impossible ... .must be a key punch error. You can't be late when the account is closed with a XXXX   balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I found inaccurate information on my consumer report and notified TransUnion to initiate a reinvestigation of the information. I included proof of my location information and identification. After more than 30 days since they received my dispute they are continuing to furnish the inaccurate information.

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 2020-02-28
Company: Consumer Financial Services
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2019 my XXXX  showed a hard inquiry to my credit file from the company stated above. I didn't request in writing, in person or over the phone to have my credit ran for any type of credit. Company stated above also sent personal loan information such as amount owed on my loan to my mother. They also called her multiple times a week and would give her information regarding the amount owed on my loan without my permission. I never gave this company my permission to run my credit on XX/XX/2019. I also never gave them permission to to disclose my account number, money owed or payment history with my mother written or verbally.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This account keeps leaching into my credit file on Trans Union XXXX Credit reporting data bases. It has been removed from my credit file once already under a different name and now reappears under a new collection agency name. 
This is not mine and I am really tired of all this drama.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation