BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-23
Company: AES/PHEAA
State: IA
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:
Since XXXX I have been waiting on response on my discharge application. A month ago they erroneously deemed my application incomplete based on not having accounting transcripts that were in fact provided to them Nevertheless, I paid to have official transcripts sent and still have not heard anything back. Its been one thing after another and its ridiculous - not to mention these erroneous loans are causing strife as I am a single mother. This is unethical!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: Innovis
State: NV
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I contacted Innovis Consumer Assistance on XXXX/XXXX/15 at XXXX/XXXX, PA XXXX Calling the XXXX number above. The automated system does not allow you any way whatsoever to verify if they have your correct address, since they ask only for ZIP CODE & front numeric part of address. Their XXXX number provided an unintelligible confirmation number, and you are not allowed to verify the correctness of the address they have on file, nor can you speak with a human at all, meaning my " free '' credit report will go wherever to whomever BECAUSE they have XXXX QUALITY ASSURANCE MEASURES in place. Innovis should be barred from doing business UNTIL they can assure the privacy of personal information!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Experian Information Solutions Inc.
State: MO
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:
My ex husband fill out for a credit card under my name. They are saying that I filled the information out. XXXX XXXXXXXX states I filled out for it but I didn't not. I only have one XXXX XXXX account it is the one in the past 2 years.

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 2022-10-02
Company: Experian Information Solutions Inc.
State: MD
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, 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 2016-11-01
Company: JP RECOVERY SERVICES, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My insurance company paid the bill. The issue is at the time of service they assured me they were in network and if I am in network the insurance company would pay for the entire XXXX If I am out of network they do n't The agent at the desk upon sign in assured me they were in network. This was fraud and misleading as I relied on their statement or I would n't have done the XXXX with them. They have been paid by my insurance company per the negotiated rate I do not owe any amount beyond what they paid if they were in network which I was assured they were at the time of service. I am requesting the debt collector to CEASE their attempts to collect a bill that I did n't not agree to pay.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 2023-04-02
Company: CAINE & WEINER COMPANY, INC.
State: NC
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:
collection as an " OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. 
After you have finished with my request, send me a copy of my credit report reflecting these changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am a natural person a living being, and I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681. They violated my rights numerous times. I demand that the accounts listed below to be remove accounting to 15 USC 1681. I have the right to privacy and did not give Equifax written permission to furnish these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I had applied for a XXXX credit card with Chase and was approved initially. After waiting for almost a month for the card to arrive, they told me my card was closed before I could even receive and activate it. They didnt really disclose their reason as to why they first approved it then closed it due to some internal reasons. I have an excellent credit score and this type of treatment only loses more customers that chase has. I feel like they should be happy to acquire my business and not the other way around. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My bank for some reason refuses to correct my mailing address. The local branch has called the main branch and asked them to correct my mailing address but the bank says they did but have not done it.     My bank is sending all my business bills with my home address and etc. I have asked over and over again to please update my mailing address but they ca n't figure it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: Ditech Financial LLC
State: CT
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I would like any late payments reported to the credit bureaus removed immediately. After struggling since XXXX 2015 to get my {$5000.00} HAMP incentive credited and my payment amount corrected to what it should be I reject the possibility I was ever late. You have been over charging me for the past year plus so there is no way I could be late on something that was incorrectly being over charged. If I owe you XXXX apples and you are billing me monthly for XXXX how can it be due? In addition I want all late charges removed from this account unless you can explain how they have been charged. This loan has been sold 4 times and when I pressed XXXX in XXXX 2015 they then sold the loan rather than correct the issue. I have been harmed financially and emotionally and I want this corrected immediately. It 's not my fault that the mortgage companies that have managed this loan ca n't count.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am a natural person a living being, and I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681. They violated my rights numerous times. I demand that the accounts listed below to be remove accounting to 15 USC 1681. I have the right to privacy and did not give XXXX written permission to furnish these accounts. 
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 2020-09-27
Company: Experian Information Solutions Inc.
State: IL
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:
There is a XXXX account listed on my report and the details of the account are being reported inconsistently amongst all 3 bureaus. The information such as dates etc is not the same from one bureau to the other, but if its the same account why is the information different. Someone has not done a good job of doing a proper investigation. I listed in detail in my letter to each bureau exactly what is incorrect and they each come back and say the accounts have been verified when clearly they have not.

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 2015-05-29
Company: U.S. BANCORP
State: FL
Product: Credit card
Issue: Rewards

Complaint:
I have US Bank XXXX personal and business credit cards. XXXX have the annual fee and it is advertized that this annual fee pays for cards benefits. XXXX of the benefits is Bonus Award Night. However they decided to remove this benefit from XXXX cards starting XXXX/XXXX/15. Based on that I believe I am not getting all benefits that I paid forwith my annual fees. And this benefit is still advertized on the application page for new customers. 
I expect the bank to refund my annual fees on XXXX card this year only because they made this change in the middle of my membership year, but I paid annual fees for the full year of membership benefits.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-27
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Refinanced my mortgage with the same company ( Freedom Mortgage ). When I was closing XX/XX/2020 ; I noticed that the mortgage amount was awfully low. I then discovered that my escrow was incorrect, I mentioned this to the individual who I was closing with. I was told to contact the loan officer and ask for an escrow analysis. I sent the loan officer and email on or about  XX/XX/2020 to inform him about the account. I made several calls to the customer service department to get an escrow analysis. I was told I would have it in a week and it took over 4 weeks with me calling and requesting. I was very displeased with the way things had happened that I requested to speak with the person in charge of customer service. A supervisor had informed me that she sent my request via email to the person in charge of customer service and that she would respond to me. This went on for about 3 weeks  and no reply. I then asked to speak with the president of the company and no reply. 

I submitted a complaint to the local XXXX XXXX XXXX and finally someone contacted me. I had expressed my displeasure with the company and how my account was handle. She listen but when I had asked to speak with someone of authority I was told that the refinance department would contact me. I called her back to inform her that no one has contacted me. 

I find it very disheartening that a customer who has an issue can not speak with someone with authority to inform him/her how things were handled. I originally refinanced to lower my payments not to increase them because of their negligence. I would be more sympathetic if my loan was coming from another financial institution, but being refinanced from the same company, is something else. They had all of my records and knew what my escrow was.

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 2022-08-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am a natural person a living being, and I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681. They violated my rights numerous times. I demand that the accounts listed below to be remove accounting to 15 USC 1681. I have the right to privacy and did not give XXXX written permission to furnish these accounts. 
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 2015-11-15
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I bought my house in the nineties from a guy in foreclosure and brought him current. Have been paying on the mortgage as agreed ever since. Recently US Bank acquired my loan from XXXX. US Bank is n't communicating with me as set out in the XXXX mortgage rules. 

According to the XXXX mortgage rules, mortgage servicers are required to send borrowers a clear monthly statement. I asked them to send me my statement for Loan # XXXX monthly to my address above. They refused. 

I also sent them a certified letter on XXXX XXXX asking them the same thing, along with a copy of my deed, which is recorded at the court house and is a matter of public record, showing that I hold title to the house they hold the mortgage on. 

It 's well past the time they should have responded back that they received my letter and that they will properly communicate with me in the future.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: EQUIFAX, INC.
State: LA
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 discovered unlawful unapproved accounts on my profile report. I'm disturbed that you have included the following information in my credit profile and that you have forgotten to keep up reasonable procedures in your activities to ensure the most extreme possible exactness in the credit reports you distribute. Credit reporting rules ensure that credit reporting organizations disclose only 100 % accurate credit data. Each step should be taken to ensure that the data given is completely exact and correct. The following data should be explored in this manner. After carefully downloading my credit report from your service, I'm having a lot of trouble discovering inaccurate/invalidated accounts. Because my information was damaged by the Equifax data breach and may have ended up in the hands of the wrong person, I have no knowledge of these things or false information. You are reporting negligently and incorrectly, as well as failing to comply with the FRCA. I understand you have no legal standing as a federally protected consumer, and you can not hire a counsel to represent you against me. 
I'll seek a default judgment and launch a class action lawsuit under TILA 1640 for violations, stress, and menstrual pain, as well as at least 1 % of the company, OR ANY OTHER AMOUNT OF DAMAGES UNDER 1692K.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The offices of XXXX XXXX XXXX XXXX sold and unpaid balance to multiple collection agencies and I have to pay multiple times to protect or try to repair my credit, this resulting on lowering my credit score and limiting my abilities to obtain credit to buy a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
BYL collection services XXXX XXXX PA, XXXX XXXX Account # XXXX no contract or no signature

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 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XXXX I submitted a letter to XXXX XXXX XXXX XXXX. Trans Union Consumer Solutions LLC XXXX XXXX with regards to inaccurate/duplicate information reporting on my credit report. I have yet to receive investigation results, as it is now past the 30 days. I requested all information reported to ensure its accuracy.

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 2022-08-28
Company: Experian Information Solutions Inc.
State: NY
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:
Hello my name is XXXX XXXX and this is my 3rd attempt trying to obtain my consumer file & report from XXXX and experian. I have uploaded a screen shot of this last attempt as well as proof of my identity. I am using the cfpb in hopes of obtaining my consumer file & report from XXXX and experian.

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 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  has violated my rights. 

15 usc 1681 section 602states I have a right to privacy.

15 usc1681 section 604 a section 2 : it also states a consumer reporting agency a account without my written instructions.

15 usc 1666b : a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I am currently on a long term modification with AES that is the servicer of the loan that was taken out by XXXX/NCT. I am currently paying all my payments on time and in full and CAN MAKE THESE PAYMENTS. I called AES today because the payments are increasing. I told them these payments are to high and I can not make them and they told me they can not do anything to help me. I do n't know why they will not help there clients! I am willing to work with them and I advised them they will be going to default becasue I can not make more payments. They advised me I can not contact XXXX becasue AES has been contracted now and they do not service them. I need help with repayment and there has to be another way to lower these payments or keep them the way they are. My credit score from these loans is already affecting me and can not consolidate or do anything. This is really un-fair that they are doing these to me when I want to pay!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
EXPERIAN Credit reporting is listing more than one Hard Inquiry,  which happened on the same day, when I purchased an automobile loan. The other credit bureaus are only showing one inquiry since they happened on the same day.

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 2016-10-04
Company: ATG Credit, LLC
State: MI
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from a company called ATG Credit , LLC stating I owed money to XXXX in XXXX 2016. I called ATG on XXXX XXXX, 2016 and told them I know nothing about this charge and wanted to dispute it. The person said OK they would put a dispute request in and send me documentation from XXXX. In XXXX of 2016 my credit report was now being reported as a collection agency for something that I still had no idea what it was for and had nothing from ATG showing what is was for. On XXXX XXXX, 2016 I was sent a ledger as proof from AGT which was now over 60 days later of me entering a dispute. What ATG sent me still shows nothing of how this debt is mine. I called them back and told them this and they said they will reach out to XXXX for more info. This should not be reported to my credit if they ca n't supply proof within 30 days or send proof of how it belongs to me. 

The issue at hand is that it took 60 days for the debt collection to respond to my dispute which is longer then the 30 days per The Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 et seq. ), which states if the creditor does not verify the listing within that 30 day time frame, then it is automatically deleted as mandated by the FCRA. As requested in my complaint I demand this collection be removed from my credit report since it is being reported incorrectly and the debt collector has failed to follow the rules of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation