BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: NV
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:
US Code 1681e ( b ) maximum accuracy Unable to get the default resolution I need for inquiry

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 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
my personal info shows a bunch of different names and addresses reporting. the only name should be XXXX XXXXXXXX XXXX all other names are incorrect and false these are the names that are wrong XXXX XXXX XXXX XXXX ll XXXX XXXX XXXX all off the wrong names that are not XXXX XXXX XXXX is attached to accounts not mine please have these names removed

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 2022-05-26
Company: EQUIFAX, INC.
State: TN
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 have sent four ( 4 ) dispute letters from XX/XX/XXXX to XX/XX/XXXX to the bureaus highlighting inaccurate and incorrect information pulled directly from my credit report but the bureaus failed to remove these negatives information from my file. The bureaus kept stating after their investigation, the information disputed were accurate and verified, without providing any proof or the type of investigation used to verify these inaccurate and incorrect information. These bureaus even violated the FCRA regulation because no or proper investigation was conducted to verify the disputed information. Despite additional inaccurate and incorrect information, I always highlighted in each letter I sent, the bureaus failed to remove the negative information and kept reporting them in my credit file. All the disputed item information are in the attached letter I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I'm filing a complaint to remove unauthorized credit inquiries on my credit report. 
I did not give anyone permission to examine, access, or utilize my credit report for any purpose, and I have not asked for credit in almost two years. I have contacted the Big 3 and asked to remove the unauthorized inquiries, but until now, there have been no responses from their office.

I have also contacted the creditors in question, and they have no proof of each initiated inquiry. I request that TransUnion, XXXX, and XXXX delete these inquiries from my credit report because they are untested, non-compliant, and unverified. After all, there is no evidence or proof of my authorization of a legal purpose, whether written or verbal, to access my credit report for any reason. 

See attachments included for all the items that are listed per Bureau.

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 2016-04-30
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I just want To Equifax to read this and tell me what is their definition of this Federal Law? AND TELL ME WHY YOU CA N'T PROVIDE THE INFO THAT I 'M REQUESTING YOU MUST NOT HAVE IT IF YOU CA N'T PROVIDE IT? SEND IT OR DELETE IT ... .. 
PLEASE READ THIS AND TELL ME WHAT DOES THIS MEAN?????????????????

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have noticed XXXX accounts on my credit report that I am un aware of. 
XXXX XXXX and XXXX. I have tried to contact these companies by the address listed on the report for debt validation and have gotten no response. I would like Equifax to investigate and provide me with documentation they receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
State of florida child support delinquency collection charge offor set up payment plan XX/XX/XXXX. never got current on delinquency butcharge off account transfered to state of alabama XX/XX/XXXX. They are refusing to correct the origional delinquency date to XXXX insisting that they consider the origional date as when they took the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting Act, XXXX  Account Numbers XXXX, XXXX, XXXX has Violated my rights. 

15 USC 1681 Section 602 H states that I have a right to privacy.

15 USC 1681 Section 604 Section 2 It also states a consumer report agency can not furnish an 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 2022-08-19
Company: Motolease, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I used loan products from the company Motolease LLC, I discovered fraud in the contract and tried to rescind the contract. I have proof of sending the letter to invalidate the debt via certified receipt of mailing to Motolease LLC at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. I also included a Cease and Desist letter asking not to be contacted by phone and Motolease employees called me 3 time using international numbers in which I recorded the Motolease employees harassing me. Motolease intentionally violated 15 USC 1635 ( H ) and 15 USC 1692 ( J )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: OneMain Finance Corporation
State: AL
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 filed a dispute in regard to the incorrect items on my credit report, it has been well over 30 days, and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
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. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX has violated my rights. 15 U.S.C. 1681 section 604 A Section 2 : It also state a consumer reporting agency can not furnish an 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 2015-10-07
Company: Plutos Sama, LLC
State: MD
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I have recently found information that XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX as individuals and Representative ( s ) or Agent ( s ) of Fisher Law Group have submitting false evidence under the penalty of perjury into the XXXX Court XXXX XXXX XXXX XXXX. Fisher Law Group has foreclosed on the subject property in 2013 using the name of the original Secured Party Creditor and a license number that expired in XXXX XXXX XXXX XXXX XXXX XXXX Substitute Trustee under the penalty of perjury affirmed that the purchase of the subject property was fairly sold and bought at a fair price. The subject property was purchased by Fisher Law Group, PLLC, XXXX XXXX XXXX and auctioned by Auctioneer XXXX XXXX XXXX for XXXX Action. I have reason to believe the bidding and auction of the subject property were rigged by XXXX XXXX XXXX, XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX. Sworn Affidavits filed in case number XXXX to also include the Assignment of Deed of Trust, the Deed of Appointment of Substitute Trustee and the Writ of Possession and Eviction filed by the Defendant XXXX XXXX XXXX of XXXX are in fact willful and deceptive violations of XXXX U.S.C. XXXX ( XXXX XXXX, XXXX U.S.C. XXXX ( XXXX XXXX, XXXX U.S.C. XXXX ( XXXX XXXX and XXXX U.S.C. XXXX. There are many irregularities in the assignment of DEED OF TRUST and the process in which such DEED OF TRUST was allegedly transferred, conveyed, assigned, sold, recorded, etc. As asserted, these defects left the foreclosing entities without authenticating documentation to the property and without the authority to foreclose.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased a new home in XXXX. Everything as far as the escrow account goes was handled by the lender Imortgage. Well I noticed my payments had changed in XXXX so I called and asked to make sure everything was fine. I was assured that yes, everything was fine and that the payments dropped a little because the taxes went down. She informed me that this can happen with new homes since they often put more in escrow to cushion any tax increases. They then sent me a XXXX dollar check saying that I had paid too much into escrow. That was in XXXX XXXX. Fast forward to XXXX XXXX, I check my bill to pay online, and it says I own {$4000.00}!!! I call and XXXX in customer service told me that the taxes last year were not paid, and that I was paying back the advance they paid. I told her there was no way I could afford this and why did this happened in the first place! Is n't someones job to make sure the escrow is correct! I had called last year to confirm even! I am a new home owner so all of this tax and escrow stuff is pretty foreign to me, so I naively agreed with the rep last year that everything was okay. So now I am here with a XXXX dollar increase to my mortgage payment and that 's the best they can do as the " investigate '' and rerun the analysis.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Regional Management Corporation
State: AL
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 filed a dispute in regard to the incorrect items on my credit report, it has been well over 30 days, and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Last Summer in XXXX My XXXX  XXXX  was rear ended and totaled, i had gap insurance they paid out the full amount that honda finance corporation had sent the estimate and XXXX XXXX paid them. the accident happened last summer in XXXX and i was in the hospital for months where honda knew what had happened to my car i have a letter they sent me in XXXX saying we acknowledge your request to cancel the HONDA warranty and sent a check to my lender HONDA FINANCE CORP ( i have a copy ) now the issue is the have billed me for storage and repossesion on my vehicle when they knew it was totaled and sitting in the yard that THEY took it too once XXXX XXXX released the vehicle from inspection so the lender can take it back for and auction it off so they can make something off salvaging the car so i dont understand why i have to pay XXXX XXXX DOLLARS more when they already recevied OVER XXXX XXXX DOLLARS because of GAP insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: Seterus, Inc.
State: RI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We were forced to short sell our home. The sale closed, the title was transferred to the new owners. Under duress, we were forced to sign a promissory note to pay back the difference to the lender. Our financial situation has deteriorated since then unfortunately by a divorce, with XXXX young children involved. We need relief and feel as though it is unjust to pay for a mortgage on a home that we no longer own. This may force us to go into bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX  XXXX at JP Morgan ChaseXXXX # XXXX announced that they will not refinance a mortgage they issued to me 2 years before that. The reason presented was Excessive Obligations in Relation to Income.

I am a XXXX XXXX  and was already a XXXX XXXX when I was initially issued the mortgage 2 years prior. I was worried about resetting my mortgage in 5 years and wanted to get into a 30-year fixed mortgage. Same notional. The collateral value has increased by 10 % from higher house prices and we increased the value with a 20 % remodeling so the collateral is up 30 % since the original loan.

They didn't give me any chance to explain my financial situation before announcing they refused the loan which I assumed was a given based on a conversation with my banker who even offered to increase the size of the loan. 
What has happened is between XX/XX/XXXX when I fixed the rate at 3.5 % and when I was delivered the bad news the rates on the mortgage had increased by 1.5 %. I believed I was wronged. Instead of making the loan safer for me, they increased the chance of default in 5 years if rates are much higher. I believe their motivation was influenced by the move in interest rate. As a student, I would love to get data on how many loans were refused during this period relative to a more normal period for interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
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 Account # 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 2015-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I was tied ti my daughter student account with additional checking and savings. My daughter was only allowed to use the ATM with her student account. In doing so she deposited a check through the ATM which was a fraudulent check she withdrew {$200.00} at that time. I was in another state when she was doing this at college. Since it was a fraudulent check all of our accounts XXXX of them were closed and filed with companies so as to never open up an account again with any other bank. I have since lost XXXX jobs because of this filing and I 'm not able to open up my company again because I can not open up banking account. I need help with this resolving as I have tried to fight with first response and security companies to allow me to make a living I am now destitute. I can not find myself to make a living to feed my family. I 'm a single parent and had a woman own business. please help me to put my life back together.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: IL
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:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

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 2022-05-27
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I got my identity stolen from me a long time ago and this guy told my social and used for student loans and credit card and other stuff that why I have a pin for me for doing taxes. That is why my credit is so bad cuz this guy took my social and used for him and now Im taking the hit I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Replied to ad on XXXX, was rental home from my home town in XXXX SC, I wanted to rent it for my Daughter and grandson, was asked by Email and Text by XXXX XXXX XXXX to send half the Deposit and XXXX Months rent to XXXX XXXX in XXXX, Arkansas zip XXXX, his personal assistant, I did this, then he said his attorney said he had to get all of it before sending keys, I explained would not send all of it ... the agreement was he would send keys and as soon as my daugther received the keys and they fit the door I would immediately send him the full amt. Then he says his attorney said he can keep money until he has the place rented. I told XXXX that I would be contacting everyone including the police in XXXX Arkansas to return my money ASAP I wired {$770.00} to XXXX XXXX in XXXX Arkansas on XXXX reference # XXXX through money Gram at Walmart. It was sent from XXXX in XXXX Ga XXXX. I have all the Emails and Texts to me and my daughter Thank you for your time and help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
After multiple attempts to get help to save my property from foreclosure I was offered a mortgage modification that is worth 3 times what the property worth a bigger debt in return for an affordable payment. How is this supposed t to help me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file a lawsuit ASAP!

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 2017-01-31
Company: PROVIDENT FUNDING ASSOCIATES
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my mortgage with Provident Funding ( XXXX ). We filled out the requisite paperwork at close including the instructions to establish autopay on our account immediately. Provident claims they did n't receive the paperwork and I received a notice after the first payment was due indicating that our payment was deliquent and that a {$70.00} late fee would be imposed. Provident is refusing to waive the late fee even though the mistake was made either by Provident or the title company they selected to facilitate the close. It is shameful that they are attempting to earn a fee off of incompetence on their end.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
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 filed a dispute in regard to the incorrect items on my credit report, it has been well over 30 days, and I haven't received any investigation results.

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