BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-03
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
There is a billing error on my discover statements that were sent to me. I have notified Discover of the billing error thats on the account. A consumer credit transaction took place when this account was opened. I used my credit card Pursuant to Truth In Lending Act 15 USC 1602 ( l ) the definition of a credit card is a card, plate coupon book, or other credit device to obtain money, property, labor or services on credit. The credit card has an open end credit plan because there are repeated transactions that takes place when I use the credit card. There was an uninformed use of credit with this transaction and this is unfair billing practices. Discover failed to give an adequate notice Pursuant to 15 USC 1602 ( k ) ( k ) The term adequate notice, as used in section 1643 of this title, means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

I made an uninformed decision because the pertinent facts of this credit card agreement was not clear and conspicuous to me and to which I could understand its meaning. 

This would result in unauthorized use on my credit account Pursuant to 15 USC 1602 ( p ) ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

I did not benefit from this transaction. 

Please see the attached letter as well for more explanation of the billing error on the account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX XXXX a Senior Power Broker at Rocket Mortgage started a second mortgage application and did a hard credit pull on both my wife and my credit reports. I did not authorize a hard credit pull or for him to start a new mortgage process. I would like these hard credit pulls from my record. I am also sending a message to them as well to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/19 NOW THEY ARE SAYING WE ARE DENIED FOR ANY MODIFICATION BUT THEY SAID CONGRATS ON SHORT SALE OR FORECLOSURE THAT IS TERRIBLE AND SAD TO SAY THAT TO A PERSON THATS TRYING TO SAVE THERE HOME WHICH THEY SCREWD UP THE MODIFICATION DUE TO THE NOTARY I HAVE ALL THE RECORED MESSAGES FROM THEM THEY ARE FRAUDULENT AND LIARS IF WE HAVE TO FILE BANKRUPTCY TO KEEP MY HOME THEN I WILL

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 2022-01-05
Company: Experian Information Solutions Inc.
State: CA
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've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent and inaccurate. Inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-21
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I used to have a fixed repayment plan with Navient and it works well until the repayment program ends. I tried to ask Navient to set-up my repayment program the same as last year due to medical emergencies in the current year but instead they asked detailed bank statements and start digging my private information. I told them that I request deferment on my account since we ca n't agree the payment plan they have prepared for me. I received phone calls several times a day including nights requesting for payment. Even though deferment is approved Navient reported negative to 3 credit reporting agencies. I just lost 2 families and I sent Navient copies of XXXX certificate but it was not enough for them. They demand payment as they do n't have any consideration to my personal situation. Unfortunately, I got laid off and I started requesting Income-Driven repayment Plan Request and Navient refuse to accept the request. They are demanding the payment due, I am totally in tears of what kind of practices Navient have in place for struggled borrower like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have sent several letters to Experian for them to remove that bankruptcy that's on my credit that's not mine and they haven't done it. Only XXXX and XXXX delete it. 


Record details Record type XXXX XXXX bankruptcy discharged Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Individual Reference number XXXX Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 
On record until XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX FL XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
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 Title 13 states that the person collecting the debt must notify the person and give any such steps in order to resolve the debt The FDCPA requires a debt collector to send written notice within five days of initial communication.

Delete this account immediately, unless you want to be held {$1000.00} per violation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Foxstar Energy Resources LLC DBA Federal Student Loans Council
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I called a number on XXXX on XX/XX/2022 to help with student loan forgiveness. I was connected with XXXX XXXX with True Solutions. He talked to me for over 45 minutes about the process. He asked me to sign something to let him speak to someone regarding my student loans. I made sure I didnt give him my social security number and I didnt send him proof of income. However, at the end of the call, he then mentioned that I now owe him {$690.00} dollars. I told him before he does anything that I need to speak with husband before processing the loans. He said okay. I decided it was probably a scam and stopped answering the calls. After a month, he called me from a different number and said he went ahead and processed it since it is company policy to go ahead and proceed if they dont hear from the customer. I went ahead and hung up and now he left a voicemail XX/XX/2022 that this could ruin my credit if I dont pay.

Company response to consumer: Untimely response
Consumer complaint received 2017-08-21
Company: Ditech Financial LLC
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX and live at XXXX XXXX XXXX XXXX, XXXX, KS XXXX, I purchased a home through XXXX XXXXXXXX XXXX in XXXX, in XXXX the mortgage was purchased by XXXX XXXXXXXX XXXX in XXXX GreenTree purchased our mortgage and then in XXXX Ditech has merged with GreenTree. I was unaware of any kind of problem with Ditech Inc, ( Account # XXXX ) until I ran my credit report. They are reporting my payments being late from XXXX XXXX to current XXXX XXXX from 30 to 120 days late, our mortgage has not been late during this time frame and has been paid on time per the written contract with XXXX Mortgage signed in XXXX. Ditech is not honoring the contractual agreement terms of the mortgage holders that they have acquired. They are reporting my account past due {$7000.00} as of XXXX XXXX, per my bank records going back to XXXX XXXX XXXX my account is current. They are also charging me late fees when per the original contract signed with XXXX their is a Grace period from the 1rst of each month until the 15th, not considered late if paid prior to the 15th of each month. There are 8 instances on my Credit Report where they are not reporting the payments that were made to both GreenTree / DiTech Financial and the balance being unchanged. They are also incorrectly reporting the payment amount that was made to them for the months that are reported. They are incorrectly reporting the balance owed on my Mortgage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have contacted Navient 8 times about consolidating my student loans in order to qualify for a mortgage. Each and every time I have called I received different information with all of it being incorrect or wrong. I have tried in vain to get someone from Navient to help me, but no one seems to be able to give me any information that is useful for a course of action. I guess people with student loans are n't allowed to buy houses. With no other options presenting themselves I have come to the point of filing a complaint here and writing a letter to my senator.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: AMERICAN HONDA FINANCE CORP
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On XX/XX/XXXX I leased a car through Honda Financial Services, fast forward to XX/XX/XXXX when I paid {$750.00} to catch up for what I owed for XX/XX/XXXX and XX/XX/XXXX. Everything is paid up and I only owe XX/XX/XXXX payment. I fall behind due to financial hardship issues for XX/XX/XXXX and XX/XX/XXXX. At the beginning of a XX/XX/XXXX I go to my online account and pay the amount listed for {$870.00}. XX/XX/XXXX statement comes out NOT reflecting the {$870.00} payment made in XX/XX/XXXX. XX/XX/XXXX HFS is notified the payment is reversed ( due to the wrong bank account being used for payment in XX/XX/XXXX ). They attempt to call me on XX/XX/XXXX, at the same time they place the car out for repo and send me a letter mentioning the reversal. On XX/XX/XXXX when I go to leave for work at XXXX XXXX the car was missing. I had n't even received the notice about the reversal of the payment and found out that day when I called about it. They gave me NO notice that the car was being put out for repossession before doing so, and placed the car for repossession before I would have even received such notice! The representative I spoke to on the phone today XX/XX/XXXX stated that them trying to call me was the notice even though they could n't get through because of problems with my phone at the time. When the car was repossessed and I called them to see what I would have to do to get it back my ONLY option was to pay {$25000.00} to OWN the car out right which I explained to the woman that was n't realistic because I did n't have {$25000.00} lying around. But she insisted that was the ONLY option to get the car back even though it was going to go on my credit as a repossession. When the car sold at auction it sold for {$17000.00}. My lease loan for the vehicle that I signed the paper work for was only {$14000.00} so when the vehicle sold I should n't have owed ANYTHING. Now not only do I have a repossession that I should n't have had proper notices been given with a timely fashion for a response from myself, but according to HFS I owe them {$9900.00} for the remainder of the vehicle which i was n't FINANCIALLY responsible for via the loan amount for the lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX # SS XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX XXXX  XXXX  Equifax Account # : XXXX XXXX XXXX I disputed this account on XX/XX/21 in CFPB complaint number XXXX-XXXX  and requested a method of validation. It is now XX/XX/21 and I havent received any response in regards to validation. For that reason, this account needs to be deleted immediately! Also, once the account is initially disputed there is supposed to be a notice of dispute placed on the consumer report and as you see below, there is no notice of dispute. For this reason, this account needs to be deleted immediately and I am also seeking remedy, out of court for {$400000.00} from XXXX  and {$400000.00} from XXXX  and {$400000.00} from Equifax and {$400000.00} from XXXX XXXX  for continuous and willful violation of my rights, pain and suffering as I suffer from XXXX and XXXX due to this information being inaccurately and unverifiably placed on my consumer transaction report month after month and year after year. I have spoken to certified medical staff and can provide documentation. I have not been able to get a car, job or mortgage with this information on my report and I have documentation of that as well. You may send a check, payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX and please delete this account from my credit report. My affidavit of truth will soon follow this letter if we can not work this out outside of court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions 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 received a copy of my credit report and noticed some hard inquiries that I don't recognize. 

XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-21
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: Credit inquiries on your report that you don't recognize

Complaint:
Starting in XXXX of 2017, multiple credit inquires were made by companies and businesses that I did n't authorize. I have a credit verification statement placed on all 3 credit bureaus yet the credit inquires were granted. I was only notified after the fact via checking my credit report. I also included my phone number to verify if I authorize a credit inquiry. I fear that my SSN was used by someone pursuing credit and now my credit limits have been decreased on 1 of my credit cards ( XXXX ) due to these multiple inquires. All 3 credit bureaus have yet to report paid off balance or call/contact me about these numerous inquires. Also, multiple charges and cash advances were made without my knowledge as well ( XXXX ). Credit Bureaus at fault ... XXXX Experian XXXX I have started a Identity Theft Report with the Federal Trade Commission as well ; I have already been a victim of identity theft before.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 has me locked out of there system which I have the right to see and try to correct any wrong information on mine credit report. 

XXXX just sold XXXX student loans the end of XXXX that is world news they have reported on my credit report since XXXX? I want my points and this problem fixed. 

XXXX is requesting id bank state or other documents to verify address no utilities bills because I am homeless, fix it.

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 2022-01-20
Company: VALLEY NATIONAL BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX Valley National Bank withdraw {$1400.00} - Bank was not authorized to proceed with that transaction The Bank failed to inform me that I don't have active flood insurance on file. Since XXXX I always had property and flood insurance. My insurance agent had all my information and was always contacting the bank. 
Bank contacted me in XX/XX/XXXX ; my insurance expired in XXXX XXXX it was way too late because Bank decided to purchase insurance for me and post charges of 1,400.00 ( 4 months coverage ) on my account and withdraw money from my account without my authorization almost a year later in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Every where on the internet including federal trade commissionsays don '' t trust a business to clear your credit report they have n't seen one yet do it right or correctly ... Save your money. So then all over the internet it says its possible to do it yourself and thats about it. then everyone just talks circles about how you can do it yourself ... And never tells you how?? Or gives you a step by step guide on how you can remove negative marks on your credit report. So please how do i get this done?? I have one collections that i paid two years ago imeadiatly when i found out about it.

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 2021-08-23
Company: Bridgecrest Acceptance Corporation
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:
Unauthorized and inaccurate accounts reported from my credit report

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 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
XXXX XXXX is reporting a loan tradeline to my consumer credit file. This is a violation of the FCRA as I never authorized a loan with an energy company. I'm not sure if that is even possible. Next, there was never an opened date or payment history on this alleged loan appearing on my credit file. I never authorized this account nor was I aware that it ever existed as there is no reported payment history or date opened. This account alleges to be a loan tradeline. This entire tradeline reporting is false and is out of compliance with the FCRA. XXXX never provided a loan to me. Credit Bureaus are required to ensure that only accurate information is being reported. This entire tradeline is false. I did not accept a loan from XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-18
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I sent a dispute to the Credit Bureau and they failed to respond within 30 days. I sent another letter explaining that they are violating the law and they are not complying.

Company response to consumer: Closed with explanation