BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Fraud alert placed on my credit report XX/XX/XXXX. 

Called Transunion to report fraudulent reporting of inquiries on my account. I received no calls from creditors to verify the disputed inquiries as instructed in the alert. 

Inquiries as follows : XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2017-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX Credit Reporting Agency continues to report that I have 2 late payments on my credit report. All of my open and closed accounts on my credit report do Not have any late payments. In addition, I 've applied for recent credit thru XXXX XXXX XXXX thru XXXX, and one of the reasons I 'm denied is I " pay few accounts currently as agreed ". Again, every account on my credit report is up to date. XXXX is reporting fraudulent information to possible creditors. Transunion is doing the same thing. I 'm being denied credit due to paying few accounts currently as agreed is what Transunion sends to my creditors.

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 2016-08-24
Company: CURO Intermediate Holdings
State: AZ
Product: Payday loan
Issue: Can't contact lender

Complaint:
None of the above describe my issues However, on XXXX 2016, I call XXXX XXXX XXXX for Speedy Cash XXXX XXXX after viewing my XXXX credit report I came into an agreement with them to pay off the {$1400.00} in full that day and they promise to delete the collection file from all Credit Reporting Agent. However, to this day that has not happen, their excuse : In XXXX 2016 they said it take 30 days ; XXXX 2016, they said it take 30 days, XX/XX/XXXX - XX/XX/2016, they said I would have to wait another 30 days however, they did say that they did submit the information to all Credit Reporting Agent and they just have not done it however, I call XXXX and they said the late time they had any communication with XXXX XXXX XXXX XXXX or Speedy Cash since XXXX XXXX, 2016, and the did not ask them to delete any files. I attempt by phone to resolve this issues to know avail, just lies. Can not contact Management of lender.

Company response to consumer: Closed
Consumer complaint received 2022-05-28
Company: Experian Information Solutions Inc.
State: CA
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 : XXXX  XXXX  XXXX  XXXX XX/XX/XXXX balance XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX balance XXXX XXXX XXXX XXXX {$590.00} Chapter XXXX bankruptcy XXXX Date Filed XX/XX/XXXX Date Resolved XX/XX/XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX balance XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX balance XXXX XXXX  XXXX  XXXX  XXXX balance XXXX Has violated my rights. 15 U.SC 1681 section 602 A. States I have the right to privacy. 15 U.SC 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account with out my written instructions. I didn't give written permission for any of this information to be on my credit reports and is a financial burden.

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 2022-05-28
Company: EQUIFAX, INC.
State: CA
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, XXXX XXXX XXXX account XXXX and XXXX XXXX Account number XXXX have 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 See below for account reporting information on three credit reporting agencies : XXXX Account info DEPT OF ED/AIDVANTAGE Account number XXXX Account status Open Date opened XX/XX/2013 Account type Education Loan XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Phone number ( XXXX ) XXXX Equifax Account info XXXX XXXX XXXX Account number XXXX Account status Open Date opened XX/XX/2013 Account type Installment po box XXXX XXXX, PA XXXX Phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Account status Open Date opened XX/XX/2013 Account type Installment account po box XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: Law Office of Harris & Zide
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
XXXX. dropped " legal '' papers off at my place of employment when I was not present. They left the papers with the manager on duty. The papers were not even in any kind of envelope or sealed in any way. Open to the public. My information was displayed out in the open with my social security number and other personal information. I felt deeply embarrassed. This is illegal as this debt is over 10 years old. The judgement was entered on XX/XX/2007. They have been harassing me with phone calls for years on end. They have been relentless in pursing a debt that can no longer be legally collected. The " legal '' papers they left have no merit. They were not even stamped by the court ; nor were they signed by any attorney. I work as a waitress in a restaurant for a minimum wage and salary. I also have over {$100000.00}. in student loan debt. And like many Americans I am having difficulty paying it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Credit Karma, LLC
State: PA
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:
Hello, Ive been a member of Credit Karma for years. Ive been denied by 3 lenders that they told me, Ive been pre-approved for. These inquiries made my credit score drop tremendously. Making it even more difficult to get approved for anything. They suggested I applied to improve my credit score, due to me not having a credit history. Now, its hard for me to do anything. This was false advertisement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have multiple inquiries that was not authorized.I did not ask these people to run my credit for the following companies .... 
XXXX XXXX XX/XX/XXXX XXXX XXXXl XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize XXXX to pull my credit on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am a salesman for a local roofing and construction company out of XXXX Florida. We are also our own financial company. A customer of mine entered the suntrust bank on XXXX XXXX, in XXXX Florida to get a copy of their bank statement to show proof of income for our financing. The manager ( I did not get her name, but she is a XXXX woman in her XXXX ) refused to give them their statement, insinuated that we were a fraudulent company directly to me and my customers, then attempted to steal my deal by suggesting that they should n't finance with us, and to have her write the loan. I find this extremely unethical. Not only did she kill my deal, she did so to benifit herself. A lot of people depend on us to be able to do business unhindered by outside parties with ill intent. These jobs feed the families of our employees, and her actions have made it harder for us to accomplish that end.

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 2022-05-28
Company: EQUIFAX, INC.
State: CA
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, XXXX XXXX XXXX Account numberXXXX, 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 See Below for credit reporting account informaion : XXXX Account XXXX XXXX XXXX Account number123524X XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX Equifax Account XXXX XXXX XXXX Account number XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX XXXX Account XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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, XXXX XXXX XXXX Account numberXXXX, 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 See Below for credit reporting account informaion : XXXX Account XXXX XXXX XXXX Account number123524X XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX XXXX Account XXXX XXXX XXXX Account number XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX Transunion Account XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( 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 2016-10-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I was shopping around for an airline ticket online when a Citi AAdvantage advertisement popped up offering {$100.00} discount on the ticket. I applied for the card and purchased the ticket expecting the discount to be applied before finalizing that ( the ticket ) transaction. It did n't happen. I called Citi and I was told NOT ONLY that a {$100.00} would be credited to the account once I were approved, but ALSO that I would get {$100.00} off of EVERY XXXX ticket I purchased during a year. Tomorrow the cc is due so today I checked the statement online and learned nothing had been posted. I called Citi again and I was told the credit would appear in the next billing cycle. Explanation as to why it was n't on the first statement was that the cycle ended on XXXX XXXX and up until that day I had n't used the card yet. It did n't make an sense to me. If the XXXX cycle ended on the XXXX and the balance was XXXX, why was n't the {$100.00} posted to the account in the XXXX ' cycle? Tomorrow my XXXX payment is due so today I printed the statement, walked into a Citi Bank and paid off the balance. I also talked to a, I believe he said, personal adviser. This employee made a phone call and then informed me that the offer is actually UP to {$100.00} credit on purchases made on board of a XXXX flight. 
I 'm an educated person. I can read. None of this nonsense was in what I was offered and accepted.

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 2022-05-28
Company: Flatonia Investments, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/22 I received notice from Envoy Mortgage that my escrow account has a shortage of {$4400.00} and that my mortgage would increase to {$2500.00} for 12 months in order to pay for the shortage effective XX/XX/22. My mortgage payment previous to this shortage was {$1900.00}. 

The first time I called the company told me the shortage was due to the {$3200.00} payment of my flood insurance plus the cushion amount of {$1200.00} which is required anytime escrow has a shortage. I explained to the representative that my HXXXX ( XXXX XXXX ) pays for my flood insurance and that Envoy Mortgage made a mistake by making this payment. I was told that Envoy would work on getting the money refunded into my escrow account as soon as possible. I asked for an email regarding this dispute for my personal records and was told that this was not possible. I was instructed to call back on the XX/XX/22 to get an update. 

I called back XX/XX/22 for an update and was informed by Envoy Mortgage that a request for a refund was submitted to the insurance company and that they were awaiting a response. I asked to have my mortgage amount adjusted to the correct amount so I will not be held financially responsible for the mistakes Envoy Mortgage made. The representative explained that my mortgage could not be adjusted until Envoy receives the funds back from the insurance company and then be able to refund my escrow account. I requested documentation of this situation again and was denied again. I was told that my mortgage is not late until the 15th of the month and hopefully this issue would be fixed before that. If not, I would be required to pay the increased amount and everything can we adjusted once my escrow account is refunded. 

Today I logged in to my online mortgage payment account and saw that there is a new mortgage payment amount required in the amount of {$2100.00}. I called Envoy Mortgage to get an update on the status of this issue. I was informed that the insurance company agreed to refund the {$3200.00} by mail to my XXXX  company after the required hold of 7 days. Then my XXXX  company will pay Envoy Mortgage by phone into my escrow account. Then I could request to have my mortgage adjusted to the correct amount. I asked again to have my mortgage payment adjusted to the correct amount now since none of this was my fault. I was again told this is not possible until they get the funds back into my escrow account. 

I am very concerned that I will have to pay the increased amount to avoid doing any damage to my credit score. I usually pay over the required mortgage amount toward the principal. This hardship would not allow me to do this and would hamper my financial progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-25
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Despite Maryland to the contrary, Caliber Home Loans refuses to pay escrow account earned income to its Maryland borrowers. See, in relevant part, this section of Maryland Code : MD Comm L Code 12-109 ( 2013 ) What 's This? 

12-109. 

( a ) ( 1 ) In this section the following words have the meanings indicated. 

( 2 ) " Lending institution '' means a bank, savings bank, or savings and loan association doing business in Maryland. 

( 3 ) " Escrow account '' means an expense or escrow account which tends to protect the security of a loan by the accumulation of funds for the payment of taxes, insurance premiums, or other expenses. 

( b ) ( 1 ) A lending institution which lends money secured by a first mortgage or first deed of trust on any interest in residential real property and creates or is the assignee of an escrow account in connection with that loan shall pay interest to the borrower on the funds in the escrow account at an annual rate not less than the 6-month average dealer bid rate on nationally traded certificates of deposit, as published by the Federal Reserve in " Selected Interest Rates ( Daily ) - H.15 '', as of the first business day of the calendar year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
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:
I want to make a complaint against XXXX, XXXX and experian I reached out to all the bureaus asking them to remove all the fraudulent information form my credit report and they have not responded to my efforts to resolve the issues

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 2022-05-28
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:
I want to make a complaint against XXXX, Equifax and XXXX I reached out to all the bureaus asking them to remove all the fraudulent information form my credit report and they have not responded to my efforts to resolve the issues

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT, THEY ARE BELOW. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-28
Company: EQUIFAX, INC.
State: AZ
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:
I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of unauthorized inquiries which do not belong to me or were opened without my permission. 

EQUIFAX INQUIRIES : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX XXXX  Account # 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 explanation
Consumer complaint received 2022-05-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  XXXX  Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: Lazarus Financial Group, Inc.(Closed)
State: TX
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:
Lazarus FinancialXXXX TX XXXXUnited StatesThis company continues to levy a collection item on my credit report even though I have provided them all the responses they requested concerning Identity Theft. This debt is NOT my debt and it needs to be REMOVED from my credit report as a collection item. I never heard from this company prior to them placing the derogatory item on my credit report and XXXX I learned they hurt my credit I have asked repeatedly they remove the item from my credit. They refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: Asset Management Outsourcing, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Nationwide recovery came to an agreement of {$420.00} per month to pay off partial debt on an original debt of $ XXXXafter submitting all my payments every month for 4 months they put a derogatory discharge on my credit for the remainder part.

Company response to consumer: Closed with explanation