BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-21
Company: Experian Information Solutions Inc.
State: CO
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 Experian is reporting inquiries not authorized by me : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX 

and has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX BANK SS, Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is now the FORTH and FINAL time I will be contacting you to remove the UNAUTHORIZED inquiries issue ( s ) which follow : XXXX with Date of Inquiry of XX/XX/XXXX XXXX XXXX XXXX with Date of Inquiry of XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX of Inquiry of XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX with Date of Inquiry of XX/XX/XXXX XXXXXXXX XXXX XXXX with Date of Inquiry of XX/XX/XXXXXXXX XXXX with Date of XXXX of XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX with Date of Inquiry of XX/XX/XXXXXXXX XXXX XXXX XXXX with Date of Inquiry of XX/XX/XXXX My first few requests were simple. And you failed. Miserably. You provided absolutely no documentation or proof that the inquiries in question were obtained pursuant to the Fair Credit Reporting Act. Once again, you gave an entirely inappropriate response by encouraging me to deal directly with the furnisher. 

I have already provided ample proof and documentation of my efforts to communicate with the furnisher ( s ) and their failure to provide ANY documentation of permissible purpose or authorization from me. 

These inquiries must now be deleted. Send me an updated credit report showing the removal.

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 2022-04-25
Company: MIDFIRST BANK
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We mortgaged the house in XXXX with XXXX XXXX XXXX XXXX. They sold our mortgage to Midland Mortgage Compnay same year. The issue is : When we bought the house in XXXX the initial loan amount was {$190000.00}. We have been paying for the house since XX/XX/XXXX. As of to date the balance that is indicated in the account is {$180000.00}. 
We did have two ( 2 ) modifications, the years are as follows : XXXX due to devorce, and XXXX due to loss of contract for the business. The amount that I was owing at this time of this modification was {$3000.00}. Since XXXX up to XXXX the mortgage amount {$1300.00} to XXXX was paid. Amount varies depends on the change brought by escrows, hence I mentioned {$1300.00} to {$1200.00}. Between XXXX and XXXX I was paying about plus or minus {$350.00} towards the loan principal. That is eight years ( 8 ). If I have to calculate {$350.00} XXXX XXXX a year, for eight years I would have paid {$33000.00} towards the principal. 

I questioned Midland mortgage about the high balance when I have been paying for 15 years. They told me that every time the loan was modify they add 10 years on the loan. Also, there are fees that are not justifiable. 

I also applied for modification during pandemic. I was told that the modification has been granted by they are waiting for deed confirmation to date. 

Also, they sent somebody to change the lockers at the house while I was gone overseas due to death in the family. The person they sent stole yard equipment that was stored in the shed. I notified Midland about the incident and I sent police report and the value. Names of the stolen items were attached to the police report.They told me they are investigating the situation. Since then I have never heard any thing from them. I have been calling them so may times about the issue, but I always get an answering machine and no one is returning my calls. 

In XXXX of XXXX, I sent a letter to Midland addressing my frustrations. They denied any wrong doing. They believe the loan balance and fees are correct. Also, they mentioned that in regards to personal property they do not have evidence to substantiate the allegations.

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 2022-09-21
Company: EQUIFAX, 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:
Equifax has violated its privacy policy furnishing false information on my credit report with out my consent. breached my information and furnished a fake score which resulted in higher interest rates, and denied credit these accounts are being reported as a result of identity theft and i want them removed immediately as well as compensate me for the damages that ive suffered because of their negligence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the rediculous amount of inquiries on my report i never authorized or consented to need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: Sequium Asset Solutions, LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First mail to collect account from XXXX notifications to XXXX XXXX for XXXX death.. 
Request XXXX  be closed.. XXXX requested equipment be-sent back.. received package to box up equipment.. Took the equipment to drop off XXXX near by.. Box would not completely enter in to drop box..Do not know what happened to the equipment after drop off.. 
Ordered XXXX XXXX XXXX of XXXX after closing XXXX XXXX account.. 
Never received a final bill from XXXX, just this debt collection notice..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Okay, Thanks for the reply and yes, I tried to contact the call number but they all referred to talk to upperhead. 
Now, as to reviewed your membership, or annual fee terms and conditions, There isnt any clause said, when can i not get a refund, or when can it be denied. 
However, terms and conditions has a long words. 
Now, as i remember of, I didn't out balnaced on its account. 
I did paid all on time, and it was maid on the school payment. 
Now, one other thing that flagged is that i put wrong bank account and It returned. Then i fixed my account and paid it all. 
Then, I kept call back and forth in your fraud department to fix this issues. 
I did three way conference calling with XXXX XXXX  more than three times as i remember of.

Now, when I did that, your service center call was hung up as it was more than 30-minute wait time. in which your service center care rep said, dont worry i will stay with you until i verify. 
This happened multiple times, then the call center now request the paper review, In which i even submitted to your system " while i was in vacation '' Thanks to that. 
In which it was promised to respond back within 5 business day, but capitalone failed to do so, and i called back to double check.

Then another paper was requested in which i couldnt handle that immediately.

Now, when i came back to my home, and i forgot that i had to respond. in which thats what my fault be.

However, i only receieved one mail, and there was nothing regards to the account closure.

So, I thought i can just take my time as i didnt have enough time.

Now, In this part, all i believe what i did wrong was not calling back when i received that mail. the first mail ever receieved since account restriction.

Even then, I tried all my best to resolve the situation, by wasting my millions of hours. waiting for bank conference calls, submitting papers for more than twice, and so on.

In which, I can not under stand that i cant get my annual fee at least.

Even in a partial refund where i couldnt used any of the service given under membership fees.

So, I am again to ask that, if full refund is not possible then at least the partial refund.

Moreover, i will keep try as best i could in order to get at least some part back since I couldnt used after aroudn 2weeks of recieving the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX and TransUnion credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update it immediately in my report : 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 2022-06-30
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2022 XXXX XXXX  please remove fraudulent/ unauthorized inquiry on my report or provide proof in writing within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX sent me a email as of today XX/XX/22 stating I applied for a loan with them and they were unable to grant the loan to me because of my credit. I never applied with this company I tried to call them and continue to get the voiclemail.

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in XXXX  to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2022-06-30
Company: Experian Information Solutions Inc.
State: MA
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  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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-12-01
Company: Grain Technology, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have had several issues with this company that can only be resolved by contacting the CFPB. I have sent Grain multiple messages about not being able to use my account and never received a response. I have been on autopay with Grain for over a year. I have evidence of that. The last statement they sent, it said that I was on autopay. However, I received an email that I had a late payment. I have 50x that amount in my account, so I know it did not go through for a lack of funds. There is no way that I can sign in to pay it because the app doesn't work and there is no way to get through to customer service. I would like for the nonpayment to not be reported to my credit and for someone to contact me so that I can pay this off. 

The Grain app is a terrible app.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The following hard inquires I have no knowledge of as I did not authorize / apply for any of the following : XXXXL XX/XX/2021 XXXX XXXX XXXX XX/XX/2021

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 2022-06-30
Company: American Credit Acceptance, LLC
State: NM
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
My current wife recieved a call on her cell phone from a restricted number asking about me. They informed her they were with the county service department and that they needed XXXX to call the civil lawsuit division of our county for more information regarding a lawsuit against the BOTH of us. the number they provided was XXXX and stated we needed to give them his name and they could provide court details. My wife then called me and the number they provided for the XXXX county civil division courthouse '' and it went to American credit acceptance line. My wife and I got married just over a year ago and this debt was from almost 10 years ago. I never provided them her information and I never gave them consent to call her. I was under the impression this was resolved and closed years ago. They stated that my wife and I were being sued for the " XXXX '' I purchased. I would like to reiterate I have not spoken to anyone regarding this in easily 7+ years. They pretended to be legal service departments with XXXX county and they were not. I am in the process of getting into the police department here and had all of my files pulled as well as went down to the courthouse to confirm none of what they said was true and at this point no lawsuit has been filed. They used aggressive collecting as a way to try to get my wife to pay something we do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Solar Mosaic LLC
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
A loan for $ XXXX was signed onXX/XX/XXXXfor solar panels. The initial disbursement of $ XXXX was for material around XX/XX/XXXX. The panels were installed by XX/XX/XXXX but the operating panels were never installed and to this day I dont have operating solar panels. The permits were never obtained. I paid Mosaic regardless until XX/XX/XXXX when they told me they were going to take my home and I signed a contract and was basically a dead beat. The loan was XXXX  days past due at the time. Now I am getting calls from multiple companies, people knocking on my door on XXXX and mail from XXXX ( collection agent? ) when I asked why funds were distributed when work wasnt complete they stated the installer provided pictures. I have filed this account as fraud but am getting harassed even after sending proof services were never rendered. What are my options?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Marcus Bank by Goldman Sachs email me an offer to receive a {$100.00} cash bonus after 90 days if I enrolled my existing online savings in the offer and transferred {$10000.00} of funds to the account. I completed the terms of the offer and waited the appropriate amount of time. I never received a bonus when I called the bank to find out why, they claim I'm not eligible. I believe Marcus Bank by Goldman Sachs owns by {$100.00} per the terms of the offer I completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions Inc.
State: NV
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:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX Employers : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2022-06-08
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: Personal information incorrect

Complaint:
Hard inquires that i did not authorize XXXX credit XXXX XXXX XXXX, XXXX credit XXXX XXXX XXXX, XXXX credit XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX XXXXt XXXX XXXX XXXX  XXXX, fXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Wrong information addresses XXXX XXXX XXXX av XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX employer XXXX XXXX, XXXXXXXX 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