BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-18
Company: DISCOVER BANK
State: KS
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, DISCOVER HOME LOANS add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, XXXX XXXX  add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX  XXXX  XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
On  XXXX   XXXX , a dispute letter to the Transunion credit reporting agency was sent to validate the accuracy of a bankruptcy and  XXXX  judgements. I never received a letter back but on  XXXX   XXXX , I called and checked the status of the dispute. I was told that the dispute was completed. The bankruptcy was verified and the judgments were deleted due to no validation. I asked who verified. I was told the bankruptcy was verified by the  XXXX   County Federal District Court.  When I contacted the  XXXX   County Federal District Court,  I was told by  XXXX  Clerk,  XXXX   XXXX   XXXX , that the bankruptcy could not be verified due to not finding any information on me. I resent a re-investigation dispute on  XXXX / XXXX /  XXXX   and Transunion received the dispute on  XXXX . On  XXXX , I called again to check the status and again was told that bankruptcy was verified. I asked how was it verified and she stated that they do n't verify. They do n't look at any paperwork and that they depend on the computer system to verify any information received. No human eyes looked at the information/paperwork until it is labeled verified into the computer. So I asked, " did you actually talk to anyone and she stated no we do n't, just sent a transmission through the internet. which is a violation of the FCRA. It was all done in less than a day and without accurate verification. I would like this bankruptcy removed due to it being inaccurate and because validation was never received to report this error. This bankruptcy is not allowing me to become a independent person. I have to rely on others for my living situation due to this reporting on 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 explanation
Consumer complaint received 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Non of the major credit reporting agencies require companies reporting information regarding consumers requires any proof for reporting. I have contacted XXXX, Transunion, and XXXX. I have been told by all 3 bureaus the accounts that I have disputed has been verified by the furnisher. I asked if there was counter information to the documentation that I have provided with my dispute. I was advised there is no proof because it is an electronic process, in addition, they are not required to give me any proof. Today, after speaking to a very rude XXXX representative, I was advised that I should file a complaint against the bureaus with the CFPB.

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 2017-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Upon being denied from a lender for " too many inquires '' on my credit reports, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on credit reports that I DID NOT authorize and had no knowledge of. I contacted the credit bureaus immediately and was being given no resolution. I also tried putting a fraud alert on mt account which should ensure this issue is n't a re-occurrence. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.     I have attached Inquires listed on my report that I did not authorize.

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 2016-07-24
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have written previously and will continue to report JP Morgan Chase until we receive a satisfactory resolution. 
JP Morgan Chase is the sorriest excuse for a mortgage company. Several years ago we started the process to obtain a loan modification. Of course we were unsuccessful trying it on our own so we hired an attorney to assist us and JP Morgan Chase had requested the same documents from us over and over again which we have sent EVERY document that was requested of us numerous times and in a timely manner. They told us numerous times that they did not receive them and requested them again and again. Evidently they sat somewhere on someone desk and did not get processed as they should have. This has been reported before by other mortgage holders with them and JP Morgan Chase has even been fined several times for such. 
Then they basically accused me of lying when I told them that after calling in and making several monthly temporary payments in a row, which we were set up for, one month I called to make the next payment and the person told me that she " could not take the payment because our account was under review for a loan modification '', ( well duh, that is why they were temporary payments ) I even gave them the name of the person that told me that and the telephone number that I called so it can be researched since their calls are " recorded for quality assurance and training '' but obviously no one even cares to research any of what I have been reporting over and over again. 
They said that my father whose name the loan is under did not reside at the property so that was a reason why they denied the request. That was not true at the time of the request. 
There is no reason why we could not have been approved for a loan modification to safe our home. We even paid off the second mortgage on the property but that did n't even seem to matter or account for anything. 
The property was scheduled for foreclosure but a representative from JP Morgan Chase told our attorney at the time that the sale was postponed because they were going to review the modification again per the request of our attorney but they still proceeded with the sale anyway. It should have never happened. 
They claim to want to help their customers save their homes but they did not do a single thing to help us save our home and foreclosed on our home leaving me homeless. 
It would be nice also if CFPB would do something more to help than just request the companies side of the story. I little research by someone that cares would be nice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: ECMC GROUP, INC.
State: NH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Numerous calls about student loan default for someone else with the same name. I have never held any student loans. Did n't use second identifier ( such as date of birth ) when contacting my place of employment to verify employment. Continues to call and leave messages even though they have been told they have the wrong person and verified that the birthdate was different with the person they are looking for, and was requested to stop calling. Will not stop calling. Harassing behavior.

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 2016-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
A collection agency keeps re-aging an old account each time I speak with them about it. I 've been disputing the charges because I feel that I do n't owe them.. We had no settlement agreement at all.

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 2015-10-05
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing , LLC, has reported to the credit bureau, that I am continuous latewith my mortgage payment. There by damaging my credit rating. I have not been latein making my payments. I would like them to remove the late statements.

Company response to consumer: Closed
Consumer complaint received 2015-03-28
Company: Remitly, Inc.
State: GA
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
HiThis is regarding to a money transfer request done by me thru Remitly. 
The money did get transfer as promised and they are not ready to cancel the transaction and refund my money.Requesting to please help on this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I  have two is sues that I would like explained to me by  Caliber Home Loans. Caliber pu rchased my wife 's mortgage as of  XXXX   XXXX ,  XXXX . I am entering into a modification with them right now so I would like some clarification on some facts and figures as they now have all the files.   1 ) I would like an accounting for my wife 's estate on how in a modification done  XXXX  of  XXXX , that the principal grew from {$200000.00} to {$310000.00} and if this figure is accurate, exactly what does in include for the additional money in excess of {$100000.00}.    2 )  With this same modification  XXXX  made my wife agree to a life insurance policy for the principal of the loan as part of the loan package. It was not an optional addition to the loan at that time  as Caliber  claims it was. Because it was mandatory at the time of the modification, I do not understand why on  her death this did not kick in. It was part of the package they purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This was a apartment complex called XXXX XXXX XXXX in which I did not receive a bill. I was expecting my deposit returned of {$350.00} but instead they say I owe around {$100.00} that now shows up on my credit report under a collection company called Hunter Warfield. I have sent a letter to XXXX XXXX XXXX either asking for my refund of a detail receipt of the bill in question. I have receive nothing from the company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: CONDOR CAPITAL CORP
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Learn from me .... 
How does a car affect purchasing a home? ... Continue reading. 
Having my 3 year old car repossessed due to transmission failure XX/XX/XXXX and being XXXX with my third child in a little over a year from having my second was a surprise, shock and stressful time in my life. Little did I know the car situation was the start to a horrible dream in the making. Forward 7 years later and now being 2 years into making payments on that judgement stemming from the " lemon '' I bought I 'm paying {$100.00} a month a agreement myself and the attorney reached. Not having been late or missing a payment I now need this attorney to sign a subornation agreement so I can purchase a home. My lawyer has reached out to the attorney representing the car for over a month. After back and forth they agreed I would pay down the dept by me sending in {$1500.00} while still continuing to pay my monthly payments in exchange for the signed agreement. I have supporting documents. This lawyer has not been heard from since the check was sent certified funds to them. They wo n't respond to calls and messages. Now I 'm in the current week which they are aware, of my settlement and I have nothing. No signed agreement. My attorney has made them aware we need this letter a few days prior to closing to clear underwriting and yet we have 4 days until settlement and I 'm in limbo not knowing if I will be able to move my XXXX XXXX children from my sisters couches, who is XXXX to the home we fell to love. If I do n't get this letter I lose my deposit and the house. Worse is I still need the letter to purchase. I have done everything required within reason on my end. Now my families future is in the hands of an attorney who could care less if we make settlement. How is this right and constitutional?

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 2017-05-03
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XXXX   XXXX ,   XXXX   sent  7 pages of documentation to Synchrony Bank Creditor concerning 'Denial of Credit Card due to " Credit B ureau Report is NOT Accessible '. I requested from Synchrony best timing for me to 'temporarily remove the freeze on my   XXXX    cr edit bureau files ' -- which I 'm guessing was the reason for Credit Bureau Report  is  NOT Accessible '.      XXXX   XXXX ,   XXXX   receive an 'form letter ' response a 'standard ' letter that clearly indicated no one had even looked at the information I had sent ; but at least there was a phone number  XXXX  if I had more questions. Seeing my question had n't even been addressed at all in the 'standard ' letter Synchrony Bank had sent, at least I could talk to a real person. When a  XXXX  assumption of my part. That number leads to : " You just won a  XXXX  cruise, you just won a {$20.00} Visa card, you just won a  XXXX  ... ... Do n't say 'YES ( i.e., do n't hit #  XXXX  ) ' to select anything you just won and you are disconnected. Call same number back and " that phone number is not available in your area ''. ( The exact same phone number just called and the number provided by Synchrony Bank Customer Service Department.  XXXX  Bottom of their letter with 'bad ' phone number has #  XXXX ,  XXXX   XXXX   Guess  that is their code for 'sucker '!!!  Does  Amazon know what shysters they are dealing with?

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 2015-08-20
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I returned a leased XX/XX/XXXX XXXX XXXX XXXX automobile on XX/XX/XXXX. About a week later I received a letter from Hyundai MotorFinance for {$1800.00} in excess wear and tear. It seemed to me that every mark on the car was considered excess wear and tear. Therewere XXXX scratches on the car, for XXXX of them they want $ XXXXXXXXapiece, and XXXX for which they were charging me {$250.00} apiece. 
After receiving this latter and ultimately a bill for {$1800.00}, I askedto see the car so that I could evaluate the so called damage. Theydenied me access, saying that the car had already been sent to thewholesaler for resale. My question was, if the car had so quickly been sent on, how could Hyundai have incurred anywhere near $ XXXXXXXXto repair it? I suspect that the whole exercise was only to extract moremoney from me. As I am retired, this amount represents a realinconvenience for me to pay, and therefore I am asking you toconvince them to modify the amount to {$500.00} or less. 
This amount represents XXXX of the scratches that I realize wereexcessive, and for which I am willing to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I wired {$3000.00} to a brokerage firm 's business account with HSBC. Three weeks passed with multiple inquiries from my bank, HSBC refused to release the funds to the brokerage firm or respond to any inquiries on behalf of my bank or myself or the brokerage firm. On the 4th week, I submitted a request to reverse the wire transaction and retrieve the funds. After 10 days and multiple inquiries from bank, HSBC still did n't respond to any attempts to resolve the issue. Finally, I contacted the FBI field office to inquire about submitting a criminal complaint against HSBC, the FBI asked me to attempt to use a civil action and attempt to contact HSBC in the hopes of the resolving the matter at the lowest possible level. After explaining my attempt to contact law enforcement and the possibility of submitting a criminal complaint, HSBC wire department finally acknowledged the wire transaction and explained the the funds were within the compliance department. HSBC refused to provide any explanation regarding the reason why the funds were being withheld. I asked HSBC to respond to the request by my bank to reverse the wire. I am currently waiting on HSBC to reverse the wire.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: First Federal Credit Control, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX reported to the credit bureaus that I had an unpaid balance of {$290.00}. The balance should have been covered with by my health insurance company. I ended up switching jobs during the billing cycle, but I maintained health insurance the entire time. Nonetheless, I called them and the error was corrected and they said that I did not owe any money. They said they will have it removed from my credit reports. About 2 weeks later, I get a call stating my insurance did not cover it all and that left a balance of {$57.00}, I said okay, Remove the old amount of {$290.00} and I will pay the {$57.00} once it had been removed..A week or so after I spoke with them about the {$57.00}, It reported to my credit reports. So now i have XXXX collections on my credit report and it dropped my score significantly. I am in the process of trying to buy a home and this is conflicting with my pre approval from the bank. THey told me at XXXX XXXX that it should only take about two weeks to have it removed from my credit reports, but I have yet to see that happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: Experian Information Solutions Inc.
State: PR
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:
XXXX  {$120.00}  XXXX   XXXX  Is an account that is not mines.

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 2017-05-03
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: Credit inquiries on your report that you don't recognize

Complaint:
Upon being denied from a lender for " too many inquires '' on my credit reports, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on credit reports that I DID NOT authorize and had no knowledge of. I contacted the credit bureaus immediately and was being given no resolution. I also tried putting a fraud alert on mt account which should ensure this issue is n't a re-occurrence. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.     I have attached Inquires listed on my report that I did not authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-13
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have been making payments for 10 years. the first three years have n't counted toward my public service loan forgiveness program because I was on the wrong payment plan and was n't informed. When i found out how it works around 2013 I got on the income based repayment plan and paid what I believe is XXXX $ toward my 10 years for the public service loan forgiveness program. Now I am being told that I cant count any of that towards my 10 years because they did a consolidation on my loans. This is unfair. I am not even sure why they did the consolidation as there was no real benefit to me and also I was NEVER informed that would cause me to lose out again on money I paid going toward my loan program. I would have been on the lower monthly plan if I knew it wouldnt count- this is unethical and would like it resolved.

Company response to consumer: Closed with explanation