BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-17
Company: Experian Information Solutions Inc.
State: NC
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 XX/XX/XXXX, XXXX Company not authorized to run hard inquiry credit. 

XXXX XXXX XX/XX/XXXX, XXXX Company not authorized to run hard inquiry credit. 

XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Company not authorized to run hard inquiry credit.

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 2022-07-17
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 I requested a dispute and investigation via certified mail regarding items on my credit report file that were being reported illegally. On XX/XX/2022 Equifax sent a letter stating that an investigation had been completed and the debt had been validated, however Equifax failed to forward to me all the relevant information provided to them for their investigation as required by FCRA 611 ( a ) ( 7 ). On XX/XX/2022 I sent another letter via certified mail attempting to validate the debt with Equifax, they have failed to respond validating the debt or by deleting the negative items since. The account being disputed are listed as follows : XXXX. XXXX XXXX, Account number:XXXX Amount : {$690.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been making my student loan payments on time. Ever since I made my 1st repayment to AES, the servicer for XXXX XXXX, my monthly payment amount has not been consistent. It keeps increasing. I make my payments automatically each month through my bank. I received a letter that my account is past due {$150.00}. My payment was increased {$150.00} per month without any notice. When I called to inquire, they told me that there is nothing they can do to help me because of the type of loan that I have. They told me two years ago that my payment would not increase, but it did. This is absolutely ridiculous that they are not willing to work with me to keep my payment the same. I can not afford for my loan payment to increase from {$310.00} per month to {$460.00}. I could understand if I had defaulted on my loan, but I have been making payments. I was just told that there is nothing they can do to help me. This is nonsense.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Divorced and paid off mortgage when sold property. Escrow refund was sent to two named payees with my name appearing first. Check was forwarded to second payee who mobile deposited into individual account and mortgage company accepted check when presented by bank although check was endorsed with only one signature ( not mine ). Bank representative stated policy is to require both signatures but mobile deposits are handled differently, that mortgage company should not have approved with only one signature.

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 with explanation
Consumer complaint received 2022-03-22
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 I was looking for a buy a Car so I stop at a dealership name XXXX XXXX at XXXX XXXX XXXX XXXX, CA XXXX to check a car a really like. Before I decided to get a car I went to my credit union and got a pre approved loan from them. I went to the dealership and told the sales guy that I had a pre approved loan and this is the car I want. so we sat down I showed him my pre approved letter and told him I DO NOT WANT MY CREDIT TO BE SHOP AROUND BECAUSE I HAVE LOAN WITH MY CREDIT UNION. He said okay. while I am waiting at lobby I get a notification on my credit say that someone was trying to pull my credit. I called the sales guy asked him why were they pulling my credit he said in California By law they have to do that to confirm my identity. Me not knowing the law fully proceeded with the purchase of the car. the next day I Looked at my credit and I had several inquiries on my credit. it really upsetting to see this because this people completely done something against my authorization and permission. Completely dishonest. here are the inquiries that were run by them that are on my credit without my permission. 

Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX OH XXXX XXXX, OH XXXX ( XXXX ) XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Date XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2020-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I lost my checking account information and I then called to close the account and was told that I owed a balance of which I did not incur or was even aware of. I was told by the fraud  department that I needed to file a police report and send it in with the account information on it and that was done. To further protect myself I filed chapter  XXXX bankruptcy and included the amount. The bankruptcy was filed in XXXX of XXXX and discharged XX/XX/XXXX. I came in XX/XX/XXXX to open a personal account and was told that I could not open it because I owed that amount even though I included it in bankruptcy because I wanted to make sure I was in the clear and that no adverse action could be placed against me.

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 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 was denied credit by several companies due to the inaccurate and unverified information TransUnion is furnishing onto my consumer report. TransUnion is reporting the status of account XXXX for XXXX XXXX XXXX is open. This information is inaccurate. The account status is closed. The balance for this account is {$0.00}. The account was paid and settled. The banking system is dependent upon my consumer report being fair, and accurate. After looking at my consumer report, I realized that my report is unfair to me because I was never notified when this inaccurate information was furnished. This mishap has ruined my reputation, and adversely affected my credit worthiness. TransUnion assumed this role and assumed this information was valid. TransUnion failed in the initial investigation of this information. Which is a violation of my consumer rights. This account needs to be investigated and deleted from my consumer reports.

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 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Transunion has INTENTIONALLY damaged my reputation and committed WILLFUL neglect/negligence by not removing inquires. I will continue to dispute this issue until it is resolved.

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 2019-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Whom It May Concern : I am writing to update and correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX WYOMING Please update my name to : XXXX XXXX My only social security number is XXXX I do not wish to have any telephone numbers on my report. Please remove all other addresses off my credit report as they are not accurate, and are not deliverable to me by the US Post Office, and thus they are not reportable as per the FCRA, since they are not accurate. Sincerely 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 2022-03-22
Company: KAHRS LAW OFFICES, PA
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Took a Payday loan with XXXX XXXX for {$600.00}, they let the interest acrue to {$1200.00} before sending it to Kahrs Law Office in XXXX Kansas to pursue a judgement against me. I paid the judgement amount in full 2 years ago and was told by Kahrs the balance was {$0.00}, but now Kahrs Law is stating the balance was not paid in full and they continued to let another {$500.00} in interest acrue before garnishing my wages with no notice. They are a predatory law practice serving a predatory type of lending.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
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: Account information incorrect

Complaint:
I submitted a complaint on XX/XX/2022. I believe that you and the credit bureaus missed understood what my complaint was about as a CONSUMER I should have rights under the Fair Credit Reporting Act. 

The credit bureau stated that XXXXXXXX XXXX XXXXXXXX was verified. 
The problem that I am having is that the credit bureau is reporting inaccurate information and XXXX XXXX XXXXXXXX and the credit bureau doesn't XXXX the FCRA requirement. This is account is hurting my credit report by having a bunch of inaccuracies which you and the credit bureau not helping resolving this issues. 

XXXXXXXX XXXX XXXXXXXX DATE OF LAST ACTIVITY is incorrect but you say it verified but not correcting the information and investigating this account. Also, the BUREAU is REPORTING A PAYMENT HISTORY ON THIS ACCOUNT WHICH FROM MY UNDERSTAND YOU CAN NOT REPORT A PAYMENT HISTORY ON THIS ACCOUNT YOU ARE MANUILCATING THE STATUE OF LIMITATION XXXX THIS ACCOUNT MUST BE DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am writing this complaint in hopes someone can help me. Green tree bought my loan off of XXXX which is now Ditech. I was late by XXXX days they started XXXX my phone day and night ... constantly..I asked if i could do a modification because I was going threw a tough time they said oh sure, no problem..i got everything gathered up that I needed and faxed it, they said they never got it, next day same deal i fax and they started to ignore me, stating they never recieved it, this went on for XXXX weeks. as i was keeping the fax confirmation stating it went through, They ended up denying me for a modification, harassing me to get out and would ask me if i wanted to keep the property. I asked them what my options were since the modification did n't work out they said i could do a deed in lue ... asked them exactly what that was..they said a short sale. I needed to remove everything from the house, not even a coat hanger left in the closet and i would be approved for this for sure. So I did, moved everything out that weekend ... Called them monday to let them know and the phone calls stopped and could not get ahold of them. Kept trying and trying and nothing. Finally got ahold of someon who would talk to me, said i was denied a deed in lue! after i did what they said moved everything out ... they denied my modification and now this. I went back to the house only to find a lock on the doors and can not get in. They got what they wanted me out with denying me modifications or this deed in lue. Its been over a year and they keep sending me statement of how much i owe them and they have since put insurance on the property saying i owe that!!!! 
I delt with harassing phone calls day and night from these people ... .for months, did modifications that i was denied only after i faxed them XXXX times and told to move out and do a deed in lue, did that,,, ,denied ... .then they lock the doors and send me more papers to do a modifcation..someone plz help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
AWFUL, INCOMPETENT, FRAUD, CHEATERS, OUTLAWS, etc. There are constant charges, escrow charges are doubled. Ditech claimed they had not received the information on homeowners insurance, but in reality had been sent several times. Of course you know about the late billing. It should not be assumed that everyone has access to a computer. No one will explain or discuss the problems with you. This proces with DITECH is a nightmare. It is unreal that type operation is allowed and go unpunished. Everyone does not have funds for lawsuits. But maybe we would if everyone just stop paying them. Oh, but that seem to be their motive - to make your mortgage payment unmanagable, so they can take your home. THEY MUST BE STOPPED!!!! NOW!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted Portfolio recovery associates SEVERAL times as they have an ILLEGAL account under my social on my credit report. I am XXXX XXXX XXXX currently and this supposed credit card account was created when I was a MINOR and they have changed my date of birth to make me appear to be OLDER than what I am. I have sent them my identification as well as my HIGH SCOOL transcripts on numerous platforms including. I have told them several times to remove me from their system and delete the losing on my credit report damaging my credit and they have NOT done so still. What they did do what update the address on file to my actual address from the fake one they had after I contacted them. This is a direct violation of the law and they engaging in illegal practices. They have my DOB listed as XXXX or XXXX which is a lie. I was literally XXXX in high school and only XXXX now. 
I was a MINOR and its illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: MN
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 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 2021-02-18
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 information incorrect

Complaint:
TransUnion has on my credit file some inquiries that are inaccurate and need to be removed. I have in fact sent this information to the bureau previously.

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 2019-08-16
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:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and 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 2019-08-12
Company: Experian Information Solutions Inc.
State: IA
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 only became aware of an identity theft issue on XX/XX/19, when my FICO score suddenly tanked to XXXX instead of XXXX. An account was opened with XXXX XXXX ( whom I'd never heard of until this issue came to my attention ) in my former married name ( that I have not used for over 20 years ) and with a XXXX address ( that I haven't lived at for over 10 years ). Credit reporting agencies deny any responsibility to disclose that the information sought is old data, to creditors. Shame on them ; the whole point in creditors inquiring with those services is to be able to determine if it is a legitimate individual or an identity theft ( which it was ). 
As you are the overseeing institution for the big three, isn't there some protocol that can be put into place that requires the reporting agencies to clarify that former names and addresses are no longer in use, so the creditors and debtor have half a chance at not getting swindled? 
On top of that, XXXX XXXX cleared it up within a week, reported it twice on XX/XX/19 and again on XX/XX/19 ( at XXXX ). All 3 agencies are still saying they've not been informed. Not true.

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 2022-03-23
Company: EQUIFAX, 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX. 
1234, 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 2021-04-20
Company: EQUIFAX, INC.
State: TX
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 XXXX has been on my credit report for over 7 years. This should have been removed. I have disputed it several times an no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: U.S. BANCORP
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the U.S. Bank Cash + card in XXXX through online ( social media ) acquisition channel. There was a claim of 0 % APR intro promo for 15 billing cycles on purchases. I have double checked the disclosure before I applied, but when I received the card this promo was not reflected on my account. 
I have contacted U.S. Bank representatives multiple times, and they always promised that if I fax in the paperwork they would fix my APR on my account. But after I have faxed the disclosure and the advertisement I was presented through the acquisition channel ( once in XXXX, the second time in XXXX ), they still telling me that they need a proof of " targeted offer with my name, offer details '' before processing my request. I have told them that this is a public available offer, and since I was also targeted through XXXX ( social media ), hence I was not a targeted via direct mail, and I don't have the letter with name and promo information. The promo is still currently running with the exact terms. I appreciate your time helping me investigate into this situation, and I can fax in the promo detail I downloaded once I have a case number.

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