BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 just spoke to the Executive Team at XXXX XXXX XXXXXXXX and caught them in a major lie. They sent a letter trying to conclude their investigation in which they have done zero investigation. I just had the same representative for 1.5 hours and I had him going back and fourth and with faulty information. This person has no more information that people below him which are not in the executive level. 
He claims he wants to help me but he kept fumbling. I caught him on many lies in a recorded line. Meanwhile he has yet to use a recorded line. It take time and a lot of effort. Therefore hurting me. He has zero comprehension nor education to understand what damage he has cause to me. 

He sent a on sentence letter to me saying he has concluded on the information that they are correct. He has sent the same information to the FTC. 

This is fraudulent. I have submitted to XXXX XXXX XXXX what I have paid and this person still tries to spin it in different ways and XXXX XXXXXXXX XXXX now want to charge me more than the norm. They are a fraud!!! 

In addition they are now asking me to pay even more money. They will create more harm with a close account with a closed account.

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 2020-03-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is with USAA and I live in XXXX XXXX XXXX. New York is under a state of emergency due to XXXX. Governor XXXX XXXX approved a 90 mortgage deferment for New York. I called USAA and they have explained that the 90 day deferment is in effect in their systems. However, what was explained is that after the 90 day deferment, there will be a balloon payment due for three months which in my case would be {$8300.00}. The {$8300.00} will be due on XX/XX/2020 ( after 3 months ). The logical thing to do is to put the amount owed towards the end of the loan/at maturity. It does not make sense that there will be a balloon payment due after three months. New York is under a state of emergency, how can one  participate in such a program where a huge balloon payment will be due after three months? The proper solution would be to take the amount and add the amount at maturity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: General Motors Financial Company, Inc.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I co-signed a auto loan for my cousin. After 6 months she refinanced the vehicle. I was told everything would be taken care of. She refinanced and one day I get a call saying that the car note is late. I was shocked because I thought she 'd refinanced. So the truck was repossessed and now it 's on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: U.S. BANCORP
State: MT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I received a letter from US Bank stating that due to low activity my checking account was going to be placed in inactive status. This letter has been the only communication I received from this bank for this account in the last 2 years. I called the number provided to find out more information. 

I found out that the bank has been taking out a maintenance fee of {$24.00} every month since XX/XX/XXXX without my knowing. I have not received any emails from them on the change and I have not received any paper statements. 

Too date, they have taken out XXXX fees for a total of {$440.00} without XXXX word of communication from them. 

When I called them, were unwilling to reverse the fees. It is completely unfair that they would take out maintenance fees and not send me any information about it. Again, I have received XXXX communication about this account at all- until this XXXX letter. 

This is unfair banking practices and unethical. 
I am asking for a return of the fees taken out.

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 2016-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX hard inquiries on my transunion credit report that either are not mine or I did not authorize. They are for XXXX XXXX and XXXX. They are affecting my credit negatively are need to be removed. They were not done by me and the issue needs to resolved immediately before I am forced to take further actions.

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 2015-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
A claim was filed against me in Civil Court. It was subsequently discontinued. But the Discontinuance does not show on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have sent several requests to Experian requesting an investigation of my accounts. It has been months and I still have not received a response to my concerns. The only thing I have received is some automated rejection letter stating that they wo n't do anything to help me ( please see attached ). 
This has to be a violation of my rights. I feel like I 've already wasted so much time just trying to get Experian to look at the errors on my credit report and I 'm so frustrated that Experian is intentionally not responding to my inquiries. I need to have this issue resolved immediately. There are many things I need to do with my life and they all involve my credit. But I am not able to move forward all because of this credit bureau!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX accounts from XXXX XXXX XXXX reporting on my Experian credit file. After numerous disputes, I have received no resolution. In addition, these accounts appeared on my credit report in XX/XX/XXXX as 180 days late ( no mortgage reporting since XX/XX/XXXX ) I informed them that I have an open investigation with the CFPB - case # XXXX and they advised me to file a complaint with the CFPB.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
How awful this is, XXXX BANK credit card has put me on for 4 years on all XXXX credit reporting companies, how AWFUL this is. XXXX BANK owes me for so many other things, this company is illegal and disgusting, XXXX BANK. I supplied XXXX CREDIT CARD with identity theft papers and the fact I Am only an authorized user for only a year plus, when card owner XXXX XXXX opened account in 1992 and there as a huge balance on card when I became an authorized user, but needless to say on that, XXXX XXXX also sent in the idenitity theft papers to XXXX, there are not only XXXX, put XXXX reasons I should not have to go through this I lost a job, my health been at risk and I lost an auto loan due to these lies XXXX BANK put on my credit report. And TRANSUNION knows this and have not done anything, HOWEVER, XXXX just removed XXXX BANK from my credit report, and XXXX BANK purposely presses my credit every month to ruin my name, they want me XXXX. I know it cause they already XXXX my life, now they want me XXXX, I know they do, they owe me for bad faith insurance and so many bank regulation violations, it is not funny. HELP ME PLEASE SOMEONE HELP ME I AM TERRIFIED.

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 2016-05-31
Company: Experian Information Solutions Inc.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I HAVE XXXX ACCOUNTS FROM THE XXXX XXXX XXXX IN MY CREDIT FILE FOR MORE THAN 1O YEARS THIS IS ILEGAL. I TRY TO MAKE A ONLINE DISMPUTE WITH EXPERIAN WITH NO RESULTS THIS IS MY INFO Experian credit report prepared for XXXX XXXX XXXX XXXX Your report number is XXXX Report date : XX/XX/2016 PLEASE HELP THSI RUIN MY LIVE THSI ACCOUNTS ARE PAID WITH A REFINANCE

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 2022-10-27
Company: Experian Information Solutions Inc.
State: DE
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates 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 2022-10-27
Company: Experian Information Solutions Inc.
State: CA
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 AM WRITING IN REGARDS TO THE DISPUTES I SENT OVER 30 DAYS AGO THAT I HAVENT GOTTEN A RESPONSE BACK FROM EXPERIAN AND THATS A VIOLATION OF THE FCRA, THESE ARE A RESULET OF Identity theft AND I WANT THEM REMOVED ASAP ACCORDING TO 15 USC 1681c-2

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 2015-10-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage was initially written with XXXX XXXX XXXX XXXX on XXXX/XXXX/00 with an interest rate of 12.82 %. The loan was sold to HSBC Mortgage Services shortly after and the interest rate is 12.25 %. I have tried to work with HSBC repeatedly over the years to get interest relief but they will not budge. I was recently advised that when the mortgage was sold to them, we signed a form stating that we agreed to pay interest at a rate of 12.25 % or higher, but never lower so they are holding us to this ; HSBC recently sent me a copy of this. I do n't remember signing this form but, being a first time homeowner, if we were given forms to sign, we did. 
We are current on our mortgage and have been for well over a year ; we had problems in the past. We have tried to refinance several times with other companies but, due to past credit problems, we have been unsuccessful. We are working diligently on improving our credit so that refinancing might be able to take place at the beginning of 2016. 
Is there any way you can intercede to get HSBC to lower the interest?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Hello, I am concerned about XXXX accounts which I have been disputing for several months now. They are appearing on my Experian report and have not had any activity since XXXX of 2008 and Experian has continued to keep reporting it after I have asked them to delete them from my file as they are not allowed to report past 7 years of the date of the last activity. The accounts are listed as 1 ) XXXX XXXX Bank # XXXX ... .... and 2 ) XXXX XXXX ... .. Both of these accounts received their last payments in the middle of 2008. That is when I defaulted after I lost my job. I have never made a payment or had any activity since about XXXX of 2008. These accounts are very old and I hope that they will just delete them already. I have fought them over and over again on the accuracy of these dates and the furnishers can not help me, they say, because they can not pull any records. So how did Experian verify these dates? They need to know that it is no right to report items past the statue of limitation, which I was told by XXXX & XXXX that that is 7 years. Please, can you ask Experian to investigate these again or delete them? I need to start my life over again already and this is holding me back and making me very very depressed. 


ALSO. May I add that there is an account on my credit report which is not mine. It is under XXXX XXXX XXXX. I have never held a loan or an account with this company and the terms and payment history make no sense and are not accurate. I had asked my student loan to be transferred to the XXXX XXXX XXXX department not the XXXX XXXX XXXX department. This is a very negative mistake on my credit report. Can you please remove this account as well. This will help make my credit report completely accurate. Thank you so very much. I have disputed that account as well and have not had any verifications or validations. I have also asked about details and have not received any.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I accessed a one time service from Experian for a credit report when applying for a credit card two years ago. Since then I have received emails from them and assumed this was junk mail. I never opened them nor have I used their online rating service since the initial check. I have not received paper billing from them. This week I checked my online bank balance and noticed a {$27.00} fee from Experian every month. I called my bank and they traced the charge back to at least XXXX 2015 - which is close to {$500.00}. The bank said they could not reverse the billings. I called Experian to cancel and file a complaint. They said that when I signed up for the initial service I was supposed to cancel after seven days and that this direction is clear on their website. I have no memory of this being clear ; I 'm very careful and have never had this problem with any other online service that I 've used. They offered to refund XXXX payment of {$27.00}. I have researched Experian complaints in online chat boards and have found that many people have had the same problem.

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 2021-11-22
Company: OneMain Finance Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I had financed my car through a small loan company in XXXX TX. This co was purchased by One Main Financial office in XXXX XXXX TX, this company has officies all over the USA. In XX/XX/2019 they demanded that I pay them a large sum of money and I explained I did not have the amount of {$570.00} if i remember correctly, the mgr lady said she would try for a modification if i paid. She deposited that check that day, and it was visable in my bank account that day, i called my bank and explained that i had told the company not to cash the check, my bank reversed the payment. XX/XX/2019 they sent a repo guy to take the car, never advised me so I could remove the personal belongings mainly my Bible etc, The call went to the repo dept, never talked to anyone, i did leave my number to call me. no calls was returned. I began looking for a car to drive and found on at a dealership. I purchased that car and notified my ins carrier. I recieved my payment schedule on the auto policy, it was over {$400.00} per month, I called my agency and was told that this was due to an accident and claim filed on that car, I had no accident nor did I file any claim. I called the One Main ofc numbers but got a run arouid about where the car was. After numerous calls I gave up and began working on my ins co for paying the claim on that car, finally reached the reginal mgr in the XXXX area. I explained what had happened and he removed the claim from the ins co data. That brought my payments back to normal. This past month I had to get a new policy and a couple of agencies asked about this claim, was able to obtain a policy through a local agency and payments reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: Pendrick Capital Partners Holding, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX this company keep calling I do n't know who they are calling for I have ask them to removed my number and they are still calling they have been calling since Monday XX/XX/XXXX @ XXXX XXXX, Tuesday XX/XX/XXXX @ XXXX, Wednesday XX/XX/XXXX @ XXXX XXXX, I have returned a called and told them to remove my number but all they did was call from a different number. the following numbers they have called from XXXX and XXXX they are calling everyday and refuse to stop calling after they was told do not call this number. and I just received this number so I do n't know nor care who they are looking for just stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Experian continues to refuse me online access to my annual credit report. For the third consecutive year they have denied my request. My most recent attempt was on XXXX/XXXX/16. I have attached a pdf copy of the refusal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX XXXX XXXX Account # XXXX This account was deleted form my credit file on XXXX XXXX do to reporting inaccurate information. Now you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) .This item was deleted and reinserted without notifying me 5 business days after and certifying that the items was validated properly. I demand this account be deleted from my credit file or I will seek litigation. Violations According to the CFPB : 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) : ( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion 15 U.S. Code 1692c ( a ) : ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I enclosed attachments providing proof that this inaccurate account was deleted on XXXX XXXX. So as you see my rights are being violated in so many ways according to the Consumer Financial Protection Bureau ( CFPB ), by this inaccurate account being deleted and then reinserted back on my credit file. This is causing tremendous stress and preventing me from getting new job opportunities to better my family life which is not fair. 
Thank You regarding this matter!

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 2022-10-27
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal has changed its Terms of Service to include a {$2500.00} fine for posting a comment that they don't like or agree with ( a violation of my 1st amendment rights ) therefore I have been trying to close my account for the last three weeks. 

PayPal claims ignorance of its own TOS and can not close my account due to " pending transactions '' that I have already stopped. Also, they claim that they can not close my account due to a balance of {$0.00} in cryptocurrency.

Company response to consumer: Closed with explanation