BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
TRANSUNION has permitted the collection agency of XXXX, XXXX XXXX XXXX XXXX to report an inaccurate account on my credit reports. Upon further review, the account apparently originated from a property management company called XXXX XXXX XXXX. I have no knowledge of this account. In accordance with 15 U.S.C. 1681i ( Fair  Credit Reporting Act ), 15 U.S.C. 1692 ( a ) ( Fair Debt Collection Practices Act ), 42 U.S.C. 3604 ( Fair Housing Act ), and California Government Code 12940, et. seq. ( Fair Employment and Housing Act ), please provide validation of the debt.

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 2016-08-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
attached is a copy of my victim 's complaint and affidavit and police for fraud on my account since I been oversea since 2011. I am XXXX XXXX military. Someone using my old account and open new accounts in my name with previous lender and credit card companies. I faxed my identity theft victims complaint and affidavit and police report to all XXXX credit reporting agency and alert was placed on all my credit reports with all XXXX agencies. I complained

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 2022-12-23
Company: EQUIFAX, INC.
State: UT
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
1. Bank of America has not allowed me any resource to submit proof of hardship. 
2. Bank of America has not provided me with a contact representative who can be committed throughout this and previous complaint process. 
3. Bank of America has yet to acknowledge wrongdoing in processing my loan. 
4. Bank of America has not had a representative stay in touch with me, other than the first XXXX or XXXX contacts. 

Since last few months, XXXX apartments have been damaged. My total repair estimates are upwards of XXXX. Additionally, my loan has increased from {$270.00} to over {$1000.00}. 

Every month or so, BofA responds to these complaints by assigning me someone new. However, after XXXX contact, it is difficult to stay in contact with them as they have not returned calls. The most recent incident to which the new contact person for BofA did not leave an extension number. 

Bank of America took over 15 months to only deny the first step of loan, then took days to re-deny the appeal. Bank of Americas only solution is to restart the entire process.

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 2017-04-30
Company: GREAT LAKES
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I consolidated my student loans in   XXXX   XXXX    . I began repaying my loans in    XXXX   XXXX     . I understand that my payments will apply only to interest until my interest balance is  XXXX  and then they will apply to principal. The payment history page of  XXXX   XXXX  's website does not show how change in my interest balance. The payment history shows the date of payment, my total payment, how much of my payment was applied to interest/principal, and then my total principal balance. There is no column to display total interest balance, which would show my interest total decreasing as I make my monthly payments. I have searched the website and the only place where I can see my total interest balance is on the home page, but there is no history option to show me what the interest was before I made my payments, and how the balance has decreased each month. This is disconcerting because, just by looking at the payment history, it is impossible to see how my monthly payments are affecting my overall balance. Great Lakes should include an interest balance column of the payment history chart to clearly show how my payments are applying to interest over time. Otherwise, there is no way for me to verify that my payments are applying correctly and instead I have to just rely that my payments are properly being applied to my interest balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: EQUIFAX, 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:
In the accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : XXXX XXXX XXXX Account Number : XXXX, HAS VIOLATED MY RIGHTS Account Name : XXXX  Account Number XXXX, HAS VIOLATED MY RIGHTS Account Name : XXXX Account Number XXXX, HAS VIOLATED MY RIGHTS Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX, HAS VIOLATED MY RIGHTS Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX, HAS VIOLATED MY RIGHTS Account Name : 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. 

15 U.S.C 1681 C. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 


15 U.S.C 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: MA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-01-27
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
SunTrust has now processed XXXX checks from a business located in XXXX through my personal checking account in XXXX Florida. They were made aware of the situation in XXXX and did nothing to protect my account. It happened again in XXXX ( twice within a couple of days ). No one can say what happened as the source of the error. They supposedly put a block on my account for any checks greater than the # XXXX but that did not prevent the situation from happening a XXXX time last Saturday. Their comments have included well the other account number is similar to yours and we can not tell when or where this transaction took place. Someone was supposed to have called me yesterday with an update regarding the safety of my account and I received NO phone call with regards to the ongoing negligence of SunTrust. Since no one can pinpoint what the problem is or why it keeps happening clearly my money is not safe with SunTrust. I have been a customer with them for over 18 years and now this. There is no way checks from the same company should continue to be processed through my personal account. Luckily I do not live paycheck to paycheck as the amounts of the checks approximately {$880.00}, {$470.00}, {$650.00} and {$740.00} could have been a huge problem for me. This could have caused a huge burden for me financially and SunTrust has not interest in researching the issue to prevent this from ever happening again. Not to mention they charged me a stop payment fee for a check that was not mine that they processed through my account. Something very wrong is going on at SunTrust.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: HYUNDAI CAPITAL AMERICA
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hyundai Motor Finance is attempting to charge me extra fees to make a payment. I attempted to pay my bill online at XXXX XXXX XXXX  The website gave the following message when attempting to make a payment to my loan account. It told me, Payment not completed. Please verify bank account number is correct and resubmit. If issues persist contact your bank. 

The account number is XXXX I called Hyundai Motor Finance and spoke to a representative by the name of XXXX. She stated that there is an issue but couldn't not tell me why. Instead she kept insisting that I pay either {$3.00} or {$7.00} to make a payment over the phone. {$3.00} is through their automated system and {$7.00} is via the representative. I told her I shouldn't have to pay because the issue is with their website. I asked if she could waive the fee and she said no. I asked to speak to a supervisor and again she said no. She said if I wanted to speak to a customer service representative I would need to bring my account current. To clarify, I was on day XXXX of my 10 day grace period. I stated its outrageous to charge me a payment fee when there is an issue with your website. 

My complaint is trying to attempt to charge me extra fees for simply accepting a payment. I made previous payments with this XXXX XXXX checking account without issue and there was no history of returned payments or NSF checks. If there were, I would understand, but there was no such history. 

I have since sent them a check, but I feel they are creating unnecessary obstacles for customers to pay on-time payments and charging extra fees for simply making their payment. Please investigate.

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 2020-08-13
Company: EQUIFAX, INC.
State: SC
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
National Collegiate Trust has sold a student loan ( s ) in my name and has not notified me. Prior to being sold National Collegiate Trust would not work with me on a reasonable and affordable repayment plan and on 3 occasions, rejected my offer of payment due to the amount being too low. This organization is unethical and needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: EQUIFAX, INC.
State: MA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to CORRECT immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-20
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: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX BUREAU the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
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  Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: GA
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've contacted XXXX & they told me I've never missed a payment, yet XXXX BUREAUS refuses to update me from being listed late payments on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX BUREAUS job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update these damaging negatives from my profile. 
XXXX XXXX XXXX XXXX : {$6100.00} XXXX XXXX XXXX XXXX : {$19000.00}

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 2016-10-10
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am trying to get a mortgage for a new home, I sent a letter to Experian over 45 days ago and I still have n't heard anything back from them!! I am really XXXX by this, I need to move as soon as possible. And I do n't have time to sit and wait for them. My main concerns have been addressed in the letter I have 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 non-monetary relief
Consumer complaint received 2015-08-15
Company: National Enterprise Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I continued to receive collection notice from NES National Enterprise Systems and XXXX regarding owe XXXX Bank and XXXX XXXX XXXX XXXX XXXX. The XXXX Bank Account was close with me not oweing them any money ( NES National Enterprise XXXX and XXXX ( XXXX XXXX XXXX XXXX XXXX I never hear of them nor be to their Office. Please investigate these agency and ensure they are legal company and running their business according to United States Federal Regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: SUNTRUST BANKS, INC.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I would like to file a second complaint About my loan with Suntrust. In XXXX I had started the process of removing my PMI Insurance they had received a check from my on XXXX XXXX to schedule an appraisal. There letter said this would be done with 30 day of receiving my check. I spoke with suntrust on XXXX and representative told be an appraisal was scheduled ordered on XXXX. When I called on XXXX there was still no appraisal ordered. this has know been way past there 30 day window. The appraisal occurred on XXXX. on XXXX I call suntrust to see what the status of the appraisal was on and they said it take XXXX5 business days to make a determination of the report. on XXXX I then called again as I not received anything in the mail and had not hear a report. Today XXXX I was just informed that they mailed a letter stating the PMI was removed as of XXXX, ( I still have not received this report ). What I would like to happen is for suntrust investigate the delays in keeping to there time lines and reimburst me for 2 month of PMI insurance as if they would have done all this in a timely manor I would have only paid for XXXX PMI insurance. If I would not called over 7 times to make sure this process was still moving forward I am confident that I would still be waiting for them to start this process. As a consumer this has been an awful experience and I have had to expend a lot of time making sure Suntrust did there job.

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 2016-09-16
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I applied for an income driven repayment plan ( REPAYE ) and my loan servicer, FedLoan Servicing, decided to sign me up for the standard plan instead. I filled out the application and transferred the tax info. I do n't know what the problem is. They pulled the same XXXX last year and it took two months and multiple phone calls to get them to sign me up for the plan I requested. They also do not respond to emails, and I can not afford to take a day off of work to figure out why they can not do their jobs.

Company response to consumer: Closed with non-monetary relief