BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-13
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX Has Violated My Rights 15 USC 1681 Section 602A States I Have The Right To Privacy 15 USC 1681 Section 604A Section 2 It Also State A Consumer Reporting Agency Can not Turnish A Account Without My Written Instruction

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 2022-02-03
Company: LoanCare, LLC
State: WV
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Our mortgage was sold from XXXX to Loan Care sometime late last year. On XX/XX/XXXX we received modification paperwork from Loan Care. Loan Care received the paperwork on XX/XX/XXXX and it was signed and notarized by their people on XX/XX/XXXX. Somewhere along the way ( not sure when ), the loan was sold to XXXX XXXXXXXX XXXX and we were told the modification paperwork would be sent to them by Loan Care. We have received bills from XXXX  XXXX XXXX and have paid the payments. On XX/XX/XXXX, XXXX  XXXX XXXX sent us paperwork saying our modification was denied because they didn't get our paperwork. I emailed the paperwork to XXXX XXXXXXXX XXXX but they said we have to start all over and go further into debt ( we started out owing {$2000.00} and now we are over {$5000.00} and counting ). When we called Loan Care, they said that it wasn't their fault they didn't send the paperwork over and that we'll " just have to start over ''. Absolutely ridiculous and a total scam of our money!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I cancelled service with XXXX ( formerly known as XXXX ) in XXXX of XXXX. When checking my credit report on XXXX XXXX in XXXX XXXX, I noticed that there was a collections notice from XXXX  ( via collections agency Credit Protection Association ). I never received a letter or email that there was an outstanding balance. I was never notified of any payments to be made until I myself checked my credit score. I immediately paid the outstanding balance and was told verbally that this collections would not show on my credit report. I am now in the process of buying a house and the collections notice still shows on my credit report as paid, but closed. It was not removed as promised. I was also not notified that I was able to dispute the charge, I was told that if I paid the amount the collections would be removed from my credit report. This is not the case. I have spoken with both XXXX and Credit Protection Association both of which said " there is nothing they can do '' at this point in time.

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 2019-10-14
Company: WELLS FARGO & COMPANY
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
We ran up a large debt ( {$12000.00} ) on our Wells Fargo credit card. With an interest rate of 27.74 %, we are paying payments of {$500.00} with {$280.00} in interest alone. We called on XX/XX/2019, and talked to an employee and then supervisor in the department responsible for financial hardship. We are trying to reduce our interest payments on all credit card debts as we are expecting a second child in XXXX of this year, and need to plan for more expenses to raise a healthy child. All other credit card companies have granted meaningful financial hardship requests except Wells Fargo. 

They stated Wells Fargo does not offer APR reductions for financial hardship, at least not for us. They could not tell us why we didn't qualify for it, or if Wells Fargo even offers APR reductions. All they could offer was a 3 month reduction in minimum monthly payments. Any deficit below the minimum monthly would be added onto the next month 's payment. It would do nothing to address the interest that makes it so hard to pay back this credit card. The short period with no reduction of interest means we can not meaningfully pay back any amount that would reduce the lifetime payback amount on this card. 

We filed a complaint with Wells Fargo Executive Dept, complaint ID XXXX. They stated they would return our call and allow us to write a letter. They would not say where we could address a letter of complaint to. They indicated their policy would not change no matter what.

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 2022-06-13
Company: Experian Information 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  XXXX  XXXX, Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX  XXXX Account 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 non-monetary relief
Consumer complaint received 2019-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I made arrangements to pay XXXX XXXX {$1500.00} to settle my debt intermittently they sold the charged off the account the next day. I paid their collection agency {$1500.00} to update. They sent me a letter saying that this would satisfy my loan and it would be listed as paid and not charged off. However after 10 attempts it is still showing as a charge off with a {$0.00} balance. That is the same as it reflected prior to the payment or dispute. If a creditor does not have to update your credit file to accurate information why would consumers pay their debts off? This is hendering me from getting utilities and a home for my kids. Please help me. 

I am also having the same issue with XXXX XXXX whom I paid in full even though the judge ordered my ex husband to pay and Transunion continues to allow them to report this as 60 days late when it is indeed paid in full and closed.

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 2019-10-14
Company: Direct Recovery Services, LLC
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Direct Recovery Services, L.L.C. has repeatedly contacted both of my sisters, XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) regarding my debt in an attempt to both collect debt as well as to threaten legal action in the event that no action was taken. A voicemail with the aforementioned behavior was left for XXXX XXXX on XX/XX/2019. Furthermore, a voicemail was left for XXXX XXXX on XX/XX/2019. Moreover, text messages were also sent to both of my sisters regarding the same information on the same dates provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: DE
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:
XXXX XXXX XXXX placed an inquiry on my credit report on XX/XX/2021 without my consent. 

In accordance with the Fair Credit Reporting act 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 an inquiry without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: TX
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 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 2017-09-10
Company: EQUIFAX, INC.
State: NE
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:
I found out about the security breach at Equifax on Friday, XXXX XXXX, XXXX. I checked their site and was informed that my information may be compromised by this breach. On Sunday, XXXX XXXX, XXXX, I placed a XXXX fraud alert through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: GOLDMAN SACHS BANK USA
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Theyre back at it again, I thought we had a handle on it, they gave you a response a few months ago addressing this matter. There are no loans for me there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX Has Violated My Rights 15 USC 1681 Section 602A States I Have The Right To Privacy 15 USC 1681 Section 604A Section 2 It Also State A Consumer Reporting Agency Can not Turnish A Account Without My Written Instruction

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 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
This is reponse to an initial complaint, company has stated it will follow up within 60 days but it has already been 76 day since my initial request. 

It is very important that this information on my report is corrected immediately. it has been 76 days since my initial investigation request. According the law investigation take up to 30days. Due to this delay Ive been rejected housing and will pursue legal action for my compensation. 

I regret that I will have to take such action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: AES/PHEAA
State: WA
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:
The complaint is regarding how the company accepts payments. Ever since XXXX XXXX bought out my loan earlier this year, I have been dealing with the servicing company American Education Services ( AES ). Each month I call to make payment, AES employs strong-arm tactics to try to force me into giving them my banking account and routing number. 

I continue to be told, every month, that they will accept my banking account and routing numbers as the only form of payment. Each time they conclude our transaction by reminding me that they will allow the " courtesy '' of a debit, only after being transferred to a number of gatekeepers who all try to dissuade me or deveieve me that debit is not an option. I deal with this every month that I call. 

I was told today, by AES, that " this is how we 've always done it '' when it comes to accepting payments strictly through banking routing numbers. This is a dubious explanation as debit is clearly possible. I have also been told by a supervisor that they actively discourage debit because it costs them money to process payments this way. I 'm not sympathetic as this is the year XXXX and I would like to conduct my business- as I do with countless other merchants and vendors- and use my debit card. 

I have told AES that I can not and will not provide them my banking details, yet they will not accept this explanation each month I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account 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 non-monetary relief
Consumer complaint received 2019-10-14
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
COMPANY : SHELLPOINT/ACCT # XXXX On XX/XX/XXXX Shellpoint sent me letters stating that my flood insurance is inadequate, I called the company and told them they were in error and I also called my insurance agent Ms XXXX XXXX of XXXX XXXX phone # XXXX. I instructed her to provide Shellpoint with the necessary proof of insurance coverage since XXXX to present and she did. 

on XX/XX/XXXX. XXXX I received a letter from shellpoint thanking me for providing acceptable policy for the referenced property. The also said and I quote " The policy you have submitted will replace the previous insurance information we have on record ''. 

On XX/XX/XXXX I receive another letter stating the same as in their XX/XX/XXXX letter. On XX/XX/XXXX I again had my Insurance agent re-send my insurance documents as I did in XXXX. 

I have since gotten letters XX/XX/XXXX and XX/XX/XXXX and XXXX stating erroneous claims that my hazard insurance has expired and that I do not have adequate flood insurance. 

I have spoken to Ms XXXX, Supervisor who work for shellpoint ON XX/XX/XXXX and request that Shellpoint cease and desist sending me these harassing erroneous letters. I also requested that they not place a lender placed flood insurance policy on my loan as that would be fraudulent. 

Shellppont IS BEING RAPACIOUS AND PREDATORY! and is sending harassing erroneous insurance claims to us. 

Please assist with stopping this harassment. Thank you Sincerely XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: TX
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 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 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 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 2017-10-07
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: Old information reappears or never goes away

Complaint:
5 months ago or so i was checking my credit and found all of these fraudulent medical accounts on my reports, i have and still have full coverage no deductible insurance coverage with XXXX XXXX and i have had it from the beginning around 10 years.i reported the fraud to the police in my area, also made a affidavit with ftc plus made numerous reports with you, all the fraud info was finally taken off .know i goto my transunion credit report and they are all back on plus a new one, which i was told buy that company XXXX XXXX XXXX it was sold to them by XXXX XXXX the same company that did the past frauds on my account. XXXX credit reporting agency is the only one that has not put them back on most likly because i have to pay them monthly to check my own credit file, but transunion and XXXX keep putting these same old fraud accounts back on my file they have been sent police reports, ftc affidavits, everything and they keep ruining my credit until i start paying them please help me enough is enough i am so tired of having to do this over and over every three or four months thank you

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 2022-06-13
Company: Experian Information Solutions Inc.
State: TX
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 has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: TX
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 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 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 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 2022-02-03
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Someone opened XXXX different accounts in my name when i never opened them. Someone used my ss # and personal information to open these accounts. The name of the bank is TD Bank

Company response to consumer: Closed with non-monetary relief