BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I tried to access my free annual credit reports online at XXXX today, XXXX/17, and after receiving and downloading the first report from Trans Union, I followed the prompts to return to the site to get the next report. I clicked to link to get the next report and was taken to a blank page with no indication of action happening. After 30-45 seconds, I clicked the " back '' button only to discover that the site thought I had already seen and downloaded my second report. I followed the link to receive my next report again, and the same thing happened. I clicked the back button again, thinking I could try again and was told something like, " see you next year when you can get your free report again. '' I never received two of the three reports due to website issues on their end and I am furious. 
I called their phone number to try and receive the reports by mail, but since they probably think I got the reports online ( even though I DID N'T ), I feel sure wo n't get them. I do n't want to wait and try to find out. I am being proactive and trying to deal with it now, but there is no actual way to contact the service, so I feel like I 'm totally screwed. I want the free annual copies of my XXXX and XXXX reports that I am entitled to and I do not want to be punished for poor website functioning. Please help.

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 2020-03-20
Company: Exeter Finance Corp.
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My husband and I sent the finance company a final payment for our car and we paid the car off in full on XX/XX/2020. I have called them numerous times and asked them for our pay off letter and our title to the car. They keep telling me that it will be 7 to 10 business days to receive it but it has been almost a month now and we still havent received it. I called them again today XX/XX/2020 and the lady told me that they do not have any record of me calling and asking for it. But I have proof on my phone that I called them to ask for it and my husband is my witness to these phone calls. I am tired of the run around and would just like the pay off letter and title sent to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I HAVE APPLIED FOR A MODIFICATION TO SAVE MY HOME AND WAS RECENTLY DENIED AND THE REASON THAT WAS STATED WAS BECAUSE MY INVESTOR HAS A RIGHT OF APPROVAL. I WAS NOT DENIED DUE TO INCOME OR AFFORDABILITY, JUST BECAUSE MY INVESTOR SAID SO WHICH IS   XXXX   XXXX  . I HAVE AN INTEREST RATE OF 9.65 % AND IT IS APPARENT THAT THEY ARE ONLY INTERESTED IN KEEPING ME IN A ABSURDLY HIGH INTEREST RATE INSTEAD OF REVIEWING ME FOR ASSISTANCE MY WIFE AND I DESPERATELY NEED IT. WE HAD TO CARE FOR OUR PARENTS , ONE  WHICH HAD  XXXX   XXXX  AND THE OTHER THAT HAD  XXXX    XXXX   XXXX   WITHIN 2 DAYS AND NOW   XXXX   XXXX    XXXX . THESE RESPONSIBILITIES HAVE FALLEN ON  US AS WE BOTH ARE   XXXX   XXXX   OF OUR PARENTS AND MEDICAL BILLS ARE  RACKING UP. NOT PAYING MY MORTGAGE IS NOT SOMETHING WE WANT TO DO, WE JUST NEED TO BE CURRENT SO WE CAN CONTINUE TO MAKING OUR PAYMENTS. WE CANT AFFORD THE DELINQUENT AMOUNT, WE ARE ONLY ASKING TO BE CURRENT SO WE CAN SAVE OUR HOME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: STATE EMPLOYEES CREDIT UNION
State: NC
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:
North Carolina State Employee 's Credit Union recently started reporting auto loan to XXXX. Disputed missing payment history with XXXX  and North Carolina State Employee 's credit union. North Carolina State Employee 's Credit union has submitted information to XXXX  to update and information has not yet been updated. Seeking assistance so my credit report reflect 's actual and accurate up to date payment history. Actual payment history is attached with my XXXX credit report as an example of what should be reporting to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2017-02-10
Company: AMERICAN HONDA FINANCE CORP
State: CT
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
My family and I needed a new vehicle to fit the six of us and we spent months looking for the right fit. After visiting dealers all over the state of CT we settled on Honda of XXXX. The experience seemed to be going well until the actual lease of the vehicle. I am in XXXX so I had to complete the purchase over the phone and by mail. Honda let my family take the vehicle home while the paperwork was being finalized and we left our trade-in. It took Honda over a month to process the lease paperwork so they told me they would pay the first month of the lease. I thought that was more than fair and had an even better opinion of the dealership at that point. The next month I was able to set up the auto-payment and it seemed everything was ok. Two months later we still had not received the check for our trade-in, even after several visits to the dealer to ask for it. Around the same time I was contacted while XXXX to tell me that I owed Honda for the first month of the lease that they paid for me. I countered that it was my understanding that Honda was paying that month because of their delinquency in completing the paperwork. It went back and forth like that for a few emails until Honda stopped replying and I received a notification from my credit-tracker that said my credit score had dropped. Honda recorded on my credit report on all XXXX major reporting firms that I was delinquent in paying my lease. I checked my Honda account online and paid the overdue balance because, frankly, I ca n't afford to have my credit damaged like that. I requested my free credit report from all three firms once I was able and disputed the claim. I also replied again to Honda to let them know that I thought what they did was unfair and since I paid them the amount they claimed I owed them, the least they could do was remove the delinquency from my credit report. I still have not heard back from them. I did get the resolutions back from the credit bureaus which still has the delinquency for the lease. I 'm frustrated because it feels like the big companies have all the power in these situations and my family is going to be the one that suffers because of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-06
Company: STATE FARM BANK, FSB
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
State Farm Bank is not allowing me to aggregate my data from other bank sites/portals where I manage my finances. For example, I manage my personal finances from sites such as XXXX XXXX and XXXX XXXX XXXX. These sites offer personal financial management tools and seeing all of my financial sites in XXXX location is beneficial to me. I recently learned that State Farm Bank is blocking a financial aggregator which powers these online portals.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: Experian Information Solutions Inc.
State: TX
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:
Dear XXXX XXXX, Please provide me the Consumer of America with the Original Contract with wet ink signatures that granted you my permission to hoard my personal information. Failure to provide this contractual agreement to Consumer ( me ) constitutes a privacy right violation according to the Privacy Act of 1974. 
The Privacy Act of 1974 also serves as a Public notice on the behalf of all Consumers in each State including the XXXX XXXX XXXX due to XXXX being a publicly traded company! 
Consumers have grown tired of the false and misleading practices you have portrayed, damaging my reputation and wellbeing!! Portraying False and Misleading Practices are also violations of FEDERAL LAW! 15 USC 1692 ( e ).

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 2020-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
My credit report shows XXXX accounts XXXX & XXXX were reported 90 days late on XX/XX/XXXX and 120 days late on XX/XX/XXXX. Both of these trade lines are wrongfully negatively impacting my credit rating and as a result I have been denied credit and/or extended credit at a higher interest rate that I would have had these trade lines been correctly reported. The attached transcript ( XXXX  Transcript ) clearly states that my XXXX degree was awarded on XX/XX/XXXX. According to StudentAid.Gov, an official website of the U.S. Government ; " Direct Subsidized Loans and Direct Unsubsidized Loans have a six-month grace period before payments are due ''. It also states " if you received a PLUS loan as a graduate or professional student, youll automatically get a six-month deferment after you graduate, leave school, or drop below half-time enrollment. No payments are required during this six-month deferment period '' ( see highlighted section on page 3 of attached Student Loan Repayment _ Forebearance Period.pdf ) My graduation date was XX/XX/XXXX ( see highlighted section of XXXX Transcript.pdf ) therefore my graduate student loans were under a six-month grace period and would not have been due for repayment until XX/XX/XXXX. XXXX has incorrectly reported these two trade lines as late. Per the Fair Credit Reporting Act ( FCRA ) I have the right to dispute incomplete or inaccurate information ; Inaccurate information must be corrected or deleted within 30 days ; and I may seek damages from credit reporting data furnishers for FCRA violations. I have disputed these negative entries in the past but XXXX came back and said they were correct. Based on the information/documentation provided these are clearly not correct ; therefore I demand that these two incorrect trade lines 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 2017-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
As of Tuesday, XXXX XXXX, 2017, TransUnion is still knowingly and illegally reporting a debt of {$430.00} to XXXX for XXXX XXXX XXXX , XXXX. 
REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. This record contains multiple inaccuracies purposely known and reported by XXXX XXXX XXXX , XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This account was paid in FULL ... this account is being reported with a balance even thjough I paid it to XXXX ( I have a letter from XXXX XXXX XXXX stating such ) This is a direct violation of the FCRA. Please take appropriate action against the credit bureau and XXXX XXXX XXXX!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: JPL Recovery Solutions
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
This company repeatedly calls my job. This has been occurring for the past few months. Today they called asking to speak with my supervisor. They told the receptionist they were going to garnish my check if they did not speak with my supervisor. This company has also called family members and friends repeatedly asking questions about me. I have voice messages that they have left on family members phones as well as text messages from my family stating they have contacted them, I have asked them repeatedly on the phone and via email to stop contacting my friends and family and to stop calling my job everyday. However, they continue to do this. They have been calling several times per day to my job and to various family members. Today when they told my receptionist at work about garnishing me I have decided to seek help here to stop their horrific, unfair and illegal debt collection practices. This is now jeopardizing my position at work and needs to stop.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: CAINE & WEINER COMPANY, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
A debt collector Caine & Weiner XXXX XXXX, has a fraud account on my Equifax credit report. I have police reports along with my ID and Passport proving I was living out of the country for several years. This is some kind of Fraudulent Identity theft/Financial theft. I do n't owe this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I started paying my mortgage payment in XX/XX/XXXX and never had a issue, Im making close to {$10000.00} a month. Someone had my debit card with PIN number than used it but I had my card on my possession the whole time, this happened in XX/XX/XXXX and the bank froze my account XX/XX/XXXX and XX/XX/XXXXwhen the mortgage company tried taking money from my account it was declined because my bank froze my account till further investigation they said. I wrote to freedom mortgage to get the2 missed payments in XX/XX/XXXXand XX/XX/XXXX out of my credit bureaus and they refused, I sent them all the proper documents needed. This was my last way of resolving my negative items.

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 2020-03-20
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Your company reported a debt opened in XXXX, XXXX. If I am not mistaken, this debt is from about 6 years ago. You keep " reselling '' this debt from one company to another and restarting the " opened date '' to stay on my credit report longer. This is against the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: EQUIFAX, INC.
State: NC
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:
Equifax said that they verified a fraudulent account as belonging to me. Equifax was notified that I am a victim of identity theft. I would like to how and what date that a fraudulent account that I had nothing to do with was verified as belonging to me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX, XXXX I received a XXXX from " XXXX XXXX XXXX, XXXX. '' XXXX XXXX XXXX, XXXX XXXX, TX XXXX for a Debt Discharged of {$33.00}, XXXX. XXXX. I immediately called them and told them there is a mistake, as I have no accounts with them and never had any. They informed me they were trying to collect on a debt from a XXXX XXXX XXXX XXXX, on a credit card that he took out in XXXX. I informed them that XXXX XXXX XXXX had been my husband, but we had been estranged for many years and lived in different states. Also, I told them that XXXX XXXX XXXX had died in XXXX after a long battle with XXXX XXXX. When I received this XXXX in XXXX I called the attorney who handled the debts at the time of XXXX death and this attorney said I was not responsible for any of XXXX debts. He also said that Virginia does n't recognize any debts after 7 years. When I told XXXX XXXX XXXX this on the phone they said they would have the Fraud and Claims Dept contact me. On XXXX XXXX, XXXX I received a " form letter, '' with no signature, from XXXX XXXX XXXX Fraud and Claim Dept. The form letter said the I will be responsible for any balance on the account. Thus I am contacting you for help. I do n't feel I should be responsible for a dead person 's credit card debts from XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
RE ; Merrill XXXX No. XXXX Merrill Lynch Has been blocking online accounts when the stocks tank and leave no way for client to protect there money. They make sure that every peony is lost while market goes down. When market falls and money is beyond margin, no new positions can be opened. However Merrill has a trick to make your remaining money disappear. I was bullied and blackmailed by XXXX XXXX by telling me that I am required to put {$100000.00} while I just paid {$120000.00}. When I showed him Merrill web page there was surplus of money while he was making his own numbers. He said the He does not trust web and don't know why it is like this. When company employees do not trust Merrill web site than who should. There could be a scam. It needs a federal Investigation, you will discover a lot and save USA citizens. I still want the financial reparation of XXXX XXXX  for loss of money, loss of time nd XXXX  I developed. Documents 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 2020-10-06
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance loan on my home for {$110000.00} with AmeriSave Mortgage at 3 % interest. This would lower my mortgage payment from {$670.00} per month to {$480.00} per month. My home valuation is approximately {$550000.00} so my equity is approximately {$430000.00}. 

I paid their {$500.00} application fee and submitted the following information : 1. Social Security income of {$20000.00} per year 2. Savings of {$280000.00} in two accounts at XXXX 3. Tax documents for XXXX and XXXX that showed additional income of {$18000.00} and {$19000.00} respectively. 
4. A credit score of XXXX. 

I have paid my mortgage every month for twenty years without exception and have no other long-term or short-term debt. 

AmeriSave denied my application for " Excessive obligations in relation to income. '' I have asked for contact information for XXXX XXXX, the CEO and owner, but my loan originator as instead requested that a manager call me back. They have not called me. 

Today, I read an article that showed the CFPB charged AmeriSave and XXXX XXXX {$19.00} XXXX dollars in XXXX for an illegal " Bait and Switch '' scheme in XXXX that appears to be exactly what has happened with regard to my loan application.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation