BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-28
Company: BROKER SOLUTIONS, INC.
State: NJ
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 receive an email at XXXX on XX/XX/XXXX from the company New American Funding stating the following : Hi XXXX, It looks like a mortgage lender checked your credit on XXXX. Remember, you have 14 days after an inquiry to shop around without additional impact to your scores. 


Looking to refinance? 
Based on your XXXX XXXX XXXX XXXX range of XXXX - XXXX and your ZIP code in XXXX, this is our top pick from our partners. 
15-year fixed from XXXX XXXX XXXX  Interest Rate XXXX XXXX XXXX XXXX XXXX  NMLS ID # XXXX Get my quote Then today, XX/XX/XXXX, I receive an email from credit karma stating that I have another hard inquiry on both my credit reports which I did not authorize. I am in the process of refinancing my home and this is going to delay my process. I feel cheated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) CMRE did not even attempt to validate a medical bill that they have put on my credit report. I just went to see a mortgage lender and discovered their medical collection on my credit report. NO ATTEMPT at all was ever made to allow me to deal with this prior to reporting it and as such it is illegally 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 2016-06-17
Company: LoanNow, LLC  (Closed)
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
LoanNow has twice overstated the interest due on a simple interest contract. When I have in fact over paid them by {$14.00} they are saying I owe them {$27.00} and am now getting harassed by a collections company for {$95.00}. 

I have provided them with an amortization schedule twice now, the first time after speaking with their management they acknowledged the error and corrected their 'dashboard ' reporting tool and just now a second time showing the simple interest calculation. 

Additionally, this was a scheduled XXXX payment loan which I paid off in XXXX. 

They are defrauding their clients. I am certain if an audit was performed on their transactions you would find a lot more instances of this lender taking more interest than they should. 

I look forward to your response, 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 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. The list of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

1. ( XXXX ) Account number XXXX, Has violated my rights. 


2. XXXX XXXX XXXX XXXX ) Account number XXXX 3. ( XXXX ) Account number XXXX XXXX. ( XXXX  ) Account number XXXX 5. ( XXXX ) Account number XXXX 6. ( XXXX XXXX XXXX XXXX  ) Account number XXXX Original creditor XXXX XXXX  7.XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX mail only XXXX XXXX I Inquired on XX/XX/XXXX Business Type : Mortgage Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  Business Type : Mortgage Reporters XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX Business XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, XXXX 15 U.S.C 1681 section 602 A . States I Have the right to Privacy. 

15 U.S.C 1681 Section 604 A 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 Sates : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then 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 to believe that the information is inaccurate.

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 2016-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
SInce XXXX i notice a few inquiries on my Credit report that i never authorize I have been calling Transunon and XXXX since than and sometimes they told me yes they will be deleted and after 30 days they are still there i called them again and they keep saying they will not delete them and they refuse to update my mailing address even after i send them fax and certified letters regarding addresses and inquiries i never Authorize in the first place. Both Companies refuse to corporate

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 2016-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
A public record still on my account,, I paid off the balance to full fill the judgement

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
It seems to me that my paid hospital bills still show up with a balance and bills I paid off back in XXXX still appear. I am desperately trying to improve my credit score and I called Transunion and was told to contact my creditors. I did that and each creditor informed me that they had in fact sent " hard updates '' to the agencies and I asked that they resent those updates which they did. Since we are now at the end of XXXX, I have no idea why my credit reports mainly show updates from XX/XX/2015. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
all XXXX credit reporting agency, XXXX, Trans Union , & XXXX is reporting unauthorized inquries on my report and duplicates. disputed with companies and no response or validation

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. The list of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

1. ( XXXX ) Account number XXXX, Has violated my rights. 


2. ( XXXX XXXX XXXX ) Account number XXXX 3. ( XXXX  ) Account number XXXX 4. ( XXXX  ) Account number XXXX 5. ( XXXX  ) Account number XXXX 6. ( XXXX XXXX XXXX XXXX ) Account number XXXX Original creditor XXXX XXXX 7XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : All Banks - non specific XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX mail only XXXX XXXX I Inquired on XX/XX/XXXX Business Type : Mortgage Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  Business Type : Mortgage Reporters XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX CO Inquired on XX/XX/XXXX Business Type XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, XXXX 15 U.S.C 1681 section 602 A . States I Have the right to Privacy. 

15 U.S.C 1681 Section 604 A 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 ) ( XXXX ) Section Sates : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then 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 to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Opened Citi Checking account with an offer. I was suppose to make a deposit of $ XXXX from my ally bank. When i tried to add that new account - it's not working. 
Online verification failed even when i am using the right credentials of XXXX XXXX. 
manual also failed - even when using the right routing and account number. 

Chatted with Citi - no help. 
Called citi no help. 

Worse case scenario - my existing Citi 's online access for citi credit cards is also not working. Citi blame customer to clear cache and cookies even when it's server side issue. 

Citi should be broken into more manageable size and shape. It's falling under it's own weight. They outsource all the work for maximum profitability. They should hire locally smart people.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: TX
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:
There is a {$7000.00} charge off on my credit and XXXX  XXXX keep contacting me about this XXXX XXXX XXXX. I just received an email from XXXX XXXX claiming they were going to repossess the car. This vehicle was totaled in XXXX, and as shown in the attached photos both insurance paid out and GAP was paid to the lender, but they are still coming after me for a car that doesn't exist for money they were paid years ago.

Company response to consumer: Closed with explanation
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 Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX. XXXX XXXX XXXX, U S DEPT OF EDXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had an issue with my car loan still being outstanding/no title after being paid off XX/XX/XXXX. This has been fixed and final payment applied XX/XX/XXXX but now it created a new problem. It now shows I have two late payments. The payment that was made in XX/XX/XXXX to pay off the account was posted XX/XX/XXXX. Can the payment be applied correctly when I actually made the payment and remove the delinquent payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: Caliber Home Loans, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I emailed Caliber Home loans on XXXX XXXX asking for a payoff statement as I intend to pay the loan off. 
7 days later, they responded, saying that I needed to provide a date that I wanted payoff through and to provide a fax number. 
I responded immediately on the XXXX, saying please give me payoff through XXXX XXXX and gave them a fax number to fax it to. 
Nothing happened XXXX XXXX, I re-contacted them again via email and asked that the case be escalated to a supervisor as I felt they were deliberately delaying me to continue to collect interest. 
XXXX XXXX, I receive an email stating that that they can only send a payoff for 10, 15, 30 days. My prior response on XXXX XXXX with a request for XXXX XXXX payoff would have been 10 days ... 
I sent several more emails asking for a payoff without response. Each time I asked that they escalate to a supervisor. They never did. 
No response since XXXX XXXX. I filed a complaint yesterday with the Federal Reserve and advised them of the fact. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I submitted an Employment Certification Form ( ECF ) TO FedLoan for my employment at the XXXX  XXXX XXXX XXXX and XXXX ( XXXX, a XXXX XXXX XXXX  ) signed XX/XX/XXXX however I had the wrong EIN on the form. I mistakenly had XXXX but on my W2 the EIN is XXXX. This was corrected in the fedloan servicing system on XX/XX/XXXX and sent to DOE for a review. On XX/XX/XXXX FedLoan confirmed for me that DOE had approved XXXX, but FedLoan denied the ECF because my loan had already been forgiven ( XX/XX/XXXX ) I never received a written determination on the XX/XX/XXXX ECF. I was told verbally on XX/XX/XXXX that it was denied but written correspondence was not sent to me. I asked for them to manually override this and send a letter. None received to date XX/XX/XXXX. 

Including this APPROVED employer will change my forgiveness date ( currently XX/XX/XXXX ). Payments from XX/XX/XXXX through XX/XX/XXXX will count towards PSLF. A total of 44 more payments should be applied. This puts my forgiveness date as XX/XX/XXXX and entitles me to a refund from XX/XX/XXXX through XXXX of XXXX when COVID forbearance began. I spoke with XXXX # XXXX at Fedloan and she confirmed that the XXXX ECF should have been processed first and applied in full before forgiveness was applied. 

I have also been advised to submit this reconsideration by the Ombudsman as a means to resolve my complaint # XXXX. I did so on XX/XX/XXXX, case number XXXX. On XX/XX/XXXX I was told by XXXX at the Federal Student Aid Info Center that review was complete and to watch my email for the decision. On XX/XX/XXXX The Federal Student Aid Info Center sent me an email in response to my inquiry that said they are " Unable to see the documentation of the reconsideration. '' I have called several times and gotten the same response from numerous reps. This is odd as XXXX from that group told me in XXXX that it was resolved. 

This is critically important to me as I am a XXXX patient and have extreme medical bills. My situation, where forgiveness was applied before all employers were deemed eligible is a textbook case that should be eligible for reconsideration and all of it was due to one small error on an EIN. I do sincerely appreciated forgiveness. I am also concerned about the delay as the limited PSFL waiver is ending on XX/XX/XXXX. 

My account is still with FedLoan, not XXXX. FedLoan says the DOE must issue a new forgiveness date. 

FYI I resubmitted the XX/XX/XXXX ECF on XX/XX/XXXX as it has been almost a year and received acknowledgement that it was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have reached out to Midland Credit Management to send me proof this debt is mine. They send a copy of an bill from 2012. They have put a collection on all XXXX credit reports. I asked them to mark my credit reports disputed and they did not do this in 30 days, as I asked. I asked them to investigate. I was turned down for a loan today, due to the collection on my credit report. I was going to file a small claims against this company. I called today at XXXX and asked for their registered agent for Indiana. XXXX said they do not have one. Midland has provided inaccurate information to be put on all XXXX credit reports. This is embarrassing, humiliating and upsetting that I am turned down for a loan with my bank. Midland did not add " Customer has disputed the validity of this item '' on my credit reports with the credit bureaus. I printed all XXXX credit reports and this was not added, like I asked them. I sent them letters, which I have copies of and I have signed certified letter receipts of the letters, showing the dates and signatures.

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  account # XXXX XXXX  XXXX  XXXX furnished by Transunion, XXXX, and XXXX has violated my rights per the fair credit reporting act code : 15 U.S.C 1681 section 602 A -states I have the right to privacy.

15 U.S.C 1681 section 604 A sec.2-also states any consumer reporting agency can not furnish a account without my written consent and instructions. According to the fair credit reporting act anything I feel is inaccurate, misleading, or arroynias being reported on my credit report can be disputed by the consumer to have any inaccurate, misleading, or arroynias deleted/ removed from credit report by the furnisher 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 non-monetary relief
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 Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Several years ago, i was on unemployment. at some point unemployment agency miscalculated stating i was overpaid. shortly they said it was ok and I do n't owe anything and I had no action items. 3 months ago i applied for credit card and was declined, finding that i have a Lean on my credit. I called the superior court and they said that i was fine and that they have a letter of satisfaction for me to pick up. I picked up the letter and began process to fix my credit. I filled filed a Dispute for Transunion on XX/XX/2016 but never got a response since. it has been nearly 2.5 months and i still do n't have resolution to my credit. Please help. 

Please call me at XXXX or email at XXXXXXXXXXXX

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 2015-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Hello my name is XXXX XXXX. my investigation is not yet complete, from trans union, XXXX, and XXXX. they must provide to me the case # with the company who report my name, and also tell them they must give me access to dispute it online at the same time. thank you

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