BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: MI
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, 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 2020-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX is reporting a debt on my file, and I no longer owe it. This debt is not only really old, it's past the statute in California. I am requesting this debt to be removed off of my credit file. I no longer owe this debt under statute laws, and should not be reported.

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 2019-10-21
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX We applied for and were approved on XX/XX/XXXX for a re cast of our current XXXX XXXX   Mortgage based on a principle reduction that was paid by us. We overnighted the notarized agreement for modification, re-amortization that Ditech sent to us on XX/XX/XXXX via the XXXX XXXX envelope they provided us. It was received and signed for by XXXX XXXX at XXXX on XX/XX/XXXX at Ditech XXXX XXXX tracking XXXX. I called to confirm on XX/XX/XXXX that they had received the documentation and also to confirm that they received our XX/XX/XXXX payment as they cashed it but not applied it to the account promptly. They told me that the recast was already finalized and that the payment made was at the old amount of {$2700.00} and the new Mortgage amount was {$1800.00} which they would apply the {$1800.00} to the XX/XX/XXXX payment and the remaining {$910.00} to principle. They did this and the account currently shows correct on their website with the new payment being due XX/XX/XXXX at the new amount of {$1800.00}. I assumed everything was fine because that is what I was told and the website reflected it correctly. I then received a letter from Ditech dated XX/XX/XXXX stating the recast was not finalized and it included the documents that I previously notarized and sent to them for signatures again. I called Ditech on XX/XX/XXXX and spoke to XXXX who told me yes the recast was finalized on XX/XX/XXXX. I asked for the Agreement signed by Ditech and she said she had to transfer me. I then spoke to XXXX who was very rude to me and transferred me to XXXX. XXXX told me at first that they never received the notarized documents from us as they do not show in there system. I told her we had the tracking number to prove it and she placed me on hold and came back and told me that the recast was finalized that day they received them on XX/XX/XXXX. She could not provide me with accurate information and I asked how my account shows the new payment in their system and they are taking payments in at the new amount but they can not provide me with the signed agreement. This could cause problems with future payments and I could be late as I do not have 100 % proof they signed this agreement and they are telling me they my not even have the documents that they received. I would like Ditech to provide me a copy signed by them of the agreement for modification, re amortization, or extention of a mortgage as I have a right to the document for my records. I hsve the right to accurate information as a consumer.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I received a letter from Fifth Third Bank " The curious bank '' that said through an envelope window " ACTION NEEDED : Respond By XXXX XXXX, 2015. '' On the back side of the envelope, it said " Time-Sensitive Materials Enclosed. OPEN IMMEDIATELY. '' This piece of mail was seen by my family members who assumed that this was very important that needed to be dealt with immediately. My family overnighted this mail to me so that I could handle whatever needed to be dealt with " immediately. '' Inside was a " Notification of Pre-approval '' for a platinum card. This type of deceptive advertisement has now cost my family money. To me, this is a clear UDAAP violation in the following ways : ( i ) it has caused a clear financial injury to me as a consumer, ( ii ) the injury was not reasonably avoidable due to the language from Fifth Third Bank and ( iii ) the financial injury I incurred definitely does not outweigh the benefits of having yet another credit card that I do not need.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: IL
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 Account # XXXX, XXXX XXXX XXXX Account # 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 non-monetary relief
Consumer complaint received 2017-11-29
Company: Dyck-O'Neal, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am not satisfied with XXXX XXXX 's response to my earlier complaint. 

I do not owe XXXX XXXX. 

I feel terribly cheated to be asked to pay what I do not owe. 

Judge passed judgment without seeing sale and foreclosure papers. Not fair. 

Purchase price was exactly foreclosure price leaving balance as zero. 

See papers attached. 

Remove the writ of my properties.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: EQUIFAX, 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:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A LATE PAYMENT FROM XX/XX/2019 ON MY XXXX ACCOUNT. I'VE HAD A FEW MINOR HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
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:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A LATE PAYMENT FROM XX/XX/2019 ON MY XXXX ACCOUNT. I'VE HAD A FEW MINOR HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 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 2020-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
Walmart is reporting a debt on my credit file that I do not owe. This debt is really old and past the statute of limitation in California. I request this account to be removed off of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had previously opened a complaint about this with Complaint ID : XXXX, however it has still never been fully resolved. 

I consolidated my federal student loans in summer of XXXX and was originally with XXXX XXXX using Income base repayment. My loan payments then switched to XXXX with IBR and now my loans are with FedLoan Servicing with IBR as of XXXX. I am trying to get a correct count on the payments that are eligible towards the Public Service Loan Forgiveness. I have submitted paperwork for the time I was employed from XXXX, all of which are eligible for PSLF. However, FedLoans is not counting all of the prior payments under XXXX or XXXX XXXX. I need help in having FedLoans acknowledge my prior payments as PSLF eligible. I have records of my payments with XXXX. However, I did not print out hardcopies or save files of my payments from XXXX and now I can no longer access their website. 

Per Fedloans, they are note accepting any of my payments from XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX, due to their interpretation of the payments being " not timely. '' Per their response, a payment must be received no earlier than 30 days prior to the due date and no later than 15 days after the due date in order to qualify for the PSLF program. However, during this time, the payment due was {$0.00}. Therefore, I should receive credit for these months of payment. 

I would like to obtain a month by month account of what was due and what was paid, in order to understand fully how FedLoans is  calculating my payments counting towards PSLF. 

Any and all help would be greatly appreciated. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
On XX/XX/XXXX, I had a XXXX, XXXX, XXXX, was stolen and a police report was generated. After going back and forward with Capital One Finance regarding the payoff balance and GAP insurance. In XXXX, the vehicle was officially paid off and I notified by Cap One that the lien was paid in-full but recently I pulled my credit report and noticed that the lien was reported as a repossession even though CAP One sent letters indicating that the lien was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
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:
In accordance with the fair credit Reporting Act XXXX Account XXXX Account # XXXX has violated my rights.

15 U.S.C. 1681 section 604 A. State I have the right to privacy.

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

Account have either been Paid in full or state inaccurate dates

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 2021-02-01
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I closed my account with XXXX XXXX in XX/XX/XXXX, and I returned my equipment in XX/XX/XXXX. I had a bill with XXXX XXXX  that I did not pay and they gave my debt to XXXX XXXX XXXX. I paid a balance of {$330.00} to XXXX XXXX XXXX, and this balance was paid off in XX/XX/XXXX. Somewhere between XXXX XXXX XXXX sending my paid in full balance to XXXX XXXX, XXXX XXXX  gave my account to I C Systems in the month of XX/XX/XXXX for the balance of {$290.00}. I made several calls, and I sent all the paperwork they requested to the I C System and the same with XXXX XXXX. I have disputed this account several times. They are all refusing to comply and accept that I paid off my debt for my XXXXXXXX XXXX services to XXXX XXXX XXXX. 

Please help me with this matter. I am cleaning up my credit, and now this is on my credit report under collections.

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 2021-01-27
Company: Experian Information Solutions Inc.
State: IN
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 am notifying the FTC and CFPB that my identity has been stolen and used for fraudulent purposes. 
My personal information is as follows : Name : XXXX XXXX Date of Birth : XX/XX/1989 Someone has used my identity to engage in the following type ( s ) of fraudulent transactions : * Credit cards * Phone or Utility I have also experienced the following problems as a result of the identity theft : * Civil suit filed or judgment entered against me. 
* Denied credit or other financial services. 
* Denied employment or loss of job. 
* Harassed by debt collector or creditor. 
In addition, I have lost 8 hours of my time due to the identity theft. The identity thief used the internet to open accounts or purchase goods or services. 
I have no information regarding the identity thief. 
I have contacted the following credit bureau ( s ) : XXXX, Experian and XXXX  : * regarding the identity theft and to report the fraud. 
* to put a fraud alert on my report. 
I have had the following problems with XXXX, Experian and XXXX  : I have submitted documentation and was told several times on several calls that they never received documentation in order to remove these harmful inquiries

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 2017-03-12
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I need help with BMO Harris suspicious account activity. I have had 2 loans with Bmo harris for many years. 2 Mortgage loans. I went through a bankruptcy in XX/XX/2009 and reaffirmed on both loans. I have been making 2 monthly payments and I have recently tried to refinance with a different bank. I just found out that the 2nd loan has been sitting in a bankruptcy hold account and my payments have not been being applied to this loan. And on top of this they have applied over XXXX in Late charges to the account with out contacting me of any problem. I asked the representative why I was not contacted and she said because they can not contact an account in bankruptcy. The acct has been out of bankruptcy since XX/XX/2009. PLease help 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 2017-07-19
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We have a small line of credit with Regions Bank, around {$7000.00}, and received a letter with second and final notice to provide insurance information on our home after changing insurance companies. We mailed the requested information after the first letter was received. We 've asked now a second time for XXXX XXXX to send information directly to Regions. Because a potential {$2100.00} extra is to be billed to us on insurance from Regions, we are contacting CFPB asking if you could help us with communication. Also, when we took out the line of credit, it was not made clear to us that our home was being attached. We signed documents that we were told were based on our personal credit ratings as a personal loan. We remember this as we were told the rate we had to pay the bank was a little higher than the best rate based on our credit scores.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX is reporting a debt on my credit file that I do not owe. This debt is really old and past the statute of limitation in California. I request this account to be removed off of my credit file.

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 2017-01-03
Company: Avant Credit Corporation
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I have an account with XXXX XXXX and was told I was preapproved for {$11000.00} for a loan with Avant XXXX. It said it would do a " soft '' hit on Credit just to see if I was approved and OF COURSE, I was approved. So I go on to the next part which basically is getting all your banking info, because you have already been approved ( lie ), including my acct number and also access to my account. Sent in all documentation needed and 2 hours later I am told it took an " adverse '' action- basically rejecting it. I feel extremely violated and scared now that my account will become compromised by Avant or anyone else they sell my info to. It is n't about being rejected. I am a XXXX year old woman. I am concerned greatly because of all the information that was shared and how " preapproval '' is just another word for " bait and switch ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: Experian Information Solutions Inc.
State: NM
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 had a past due payment on a student loan I co-signed on with my now ex-spouse. My ex-spouse was in bankruptcy, did not inform me she has stopped making the payments, and the bank ( XXXX XXXX ) also sent no notifications. I was only made aware by a drop in my credit score. 

I immediately contacted XXXX XXXX, brought the account current, and paid the loan off in full. I raised a dispute on the reporting to credit bureaus as I was not notified of the outstanding loan. 

XXXX XXXX refused the dispute and would not remove the adverse report. I then disputed the issue with each of the three credit bureaus. 

XXXX and XXXX removed the 30 day late mark and updated my report to indicate good status and the loan paid off. 

Experian will not remove the 30 day past due indication. I have been unable to contact Experian further on the matter. 

I only want to have the adverse 30 day past due mark on my Experian report removed, as I had no indications of an issue with the loan. Since XXXX and XXXX have agreed to this, it seems reasonable that Experian would, but they will not discuss the matter ; XXXX XXXX also will not allow follow-up discussion with the dispute.

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 2021-10-03
Company: EQUIFAX, INC.
State: MD
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:
disputed Information that does not belong to me and it still is showing on my report. My identity had to be stolen because there are multiple addresses that are not mine and info that is not mine showing on my report. I sent information a month ago only to still be dealing with fraud furnished on my report. they are breaking FCRA laws!

Company response to consumer: Closed with explanation