BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : " There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ". I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 
Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : " There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ". I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-07-11
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
USB contacted me because their records on me indicated I should qualify for refinancing my mortgage and equity line ( they 'd tried a year ago ). I wanted to have them all be XXXX loan ; I got told had to be separate and with a 20 yr. on primary. I never signed an authorization to proceed. I got several things in the mail including what to submit -- I began sending but had not done all the required documents yet and then saw that the amount of my primary mortgage was in as equity line instead of reverse ( a XXXX-fold difference ). I emailed ( the way we 'd been communicating ) asking for the mistake to be fixed saying I was not going to proceed until they did -- silence and today 's mail brought the expected rejection letter due to their mistake. I want it fixed and removed from my credit records since I am proceeding with my credit union given USB 's ghastly mistake and handling of the application process. 
Also, I was told there would be free appraisal and no fees which was not how the documents I received showed it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: TD BANK US HOLDING COMPANY
State: MD
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 Nordstroms /TD BANK USA XXXX XXXX has violated my rights. 15USC 1681 Section 602 states i have right to privacy 15 USC 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without written

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: CBC Companies, Inc.
State: AZ
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:
After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions 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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX PL XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD 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 2017-02-16
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My mother has been making payments under the Rate Deduction Program for 96 % principal and 4 % interest from XX/XX/XXXX- XX/XX/XXXX with Navient and I just recently received a statement in the mail for past payments and the rate reduction program was not applied to ANY of the payments made from my student loan for ANY year and for the first three years of interest only payments XX/XX/XXXX-XX/XX/XXXX. Recently, I also spoke to someone by the name of " XXXX '' and she verbally told me that I was not able to apply my payments the way I wish, that I was to pay off all the interest first before I could see any of the principal being payed off. I 've attached some documents of the past payments from XX/XX/XXXX to XX/XX/XXXX and someone by the name of XXXX XXXX that set up the Rate Reduction Program for the years XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX years ( however, it was set up for XX/XX/XXXX-XX/XX/XXXX ). I would like to know if I can join this lawsuit or if I need a lawyer on my own. I request some restitution for the payments on the student loan for these years and correct the previous payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I had issued a complaint before about not getting mail from Navent in XX/XX/XXXX XX/XX/XXXX and they have failed to contact me or allow me to speak to a person to resolve the same issue. Now the company is destroying my credit score and still can not provide someone to talk to, to even try to resolve the issue. The company did call twice while they knew I was at work and gave a return number to their automated machine that will not redirect your call to a person. I have been trying to call them every week on my days off to no avail during their posted hours of operation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: AZ
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:
After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to 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 2022-11-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I went to purchase a new vehicle at XXXX XXXX XXXX. The finance person I spoke with, XXXX XXXX completely lied to me in order to sell additional products I did not want. She stated on 3 separate occasions that the bank would not approve me for the loan and unequivocally refused to process the sale of the vehicle without including {$11000.00} in optional warranties. I stated I wanted to see the documentation where chase required the purchase of the extra products and she stated the agent with chase stated it was a requirement. She then proceeded to tell me to wait 6 months and I could cancel to recieve a full refund. Once Chase finalized the loan they denied this all to be true and stated the only requirement was insurance. I then proceeded to call the dealership to cancel the warranty only to find that had I waited the 6 months as she stated I would have been no longer allowed to cancel and now the XXXX refund will do directly to chase amd my payment is {$100.00} more than it would have been and there is nothing that can be done about so I am stuck with the increased payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
On XXXX XXXX I sent a wire transfer on the amount of XXXX from our account on Bank of America, XXXX XXXX XXXX XXXX to a company in XXXX, XXXX XXXX, XXXX Bank, dollar account. The Supplier responded to me one week later that they have no receive the money. Since then I has been in contact with bank of America, wire transfer XXXX XXXX XXXX XXXX and they say they transfer the money to XXXX, but XXXX have not received. I ask for the money to be returned. Nothing have happening and they tell me that XXXX have answer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I contacted Bank of America about how their mobile app does not reflect the current balance. They charged me an overdraft fee for my account when it was not overdrawn. I went through the balance with the representative and she saw the error and still would not refund the fee due to I have already been issued a refund in the past. I advised her that it was due to the same issues. They continuously charge overdraft fees but the account balance online does not reflect the balance within their system. As I was reviewing the charges with the representative she was giving a different balance that what was reflect online. Then I asked the representative how long do you have to pay the account up before the fee hits the account she stated XXXX eastern time. I advised her that I did not receive an alert until XXXX on XXXX/XXXX/16 and the few was already processed to my account so how am I supposed to review the account and make it current if the fee has already been applied. There is only XXXX Bank of American and the ATM does not accept cash deposits all the time.

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 2022-08-04
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:
This my several endeavor to file a complaint in my personal credit report information that are questionable. I would like to dispute certain inaccurate information in my file which I believe are possibly an Identity theft and it was deleted from other bureaus. the inaccurate information are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-02
Company: ID Analytics, Inc.
State: AZ
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:
After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
The collector left a voicemail message on my husband 's phone, stating that the message was for another person ( stated the name ). She stated that she was attempting to reach me ( stated my name ), and to have me contact her. She gave her name and the name of her company, and what the debt was for. The caller was not authorized to contact anyone other than me about the debt, and is calling random people with the same last name in an attempt to reach me, but is disclosing confidential information that no one else should have knowledge of. I have retained the voicemail message for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Park Hill Holdings
State: AZ
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:
After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. 
I sent a dispute letter to the credit reporting agency to have the fraudulent, inaccurate, incomplete personal information removed 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 2022-11-02
Company: Experian Information Solutions Inc.
State: PA
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:
-- 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT. 

-- ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 

-- ( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 


-- I am entitled to Fair Credit Reporting. 

-- I have given them authorized permission to report my address on my consumer credit report. 

-- I Demand it to be reported and every violation of failure to report authorized information on my report is a {$1000.00} fine. 


-- Letters have been sent with this address by certified mail and return receipts have been received by me. 


-- My permission has been given orally, in writing, and electronically to report my address on my consumer report and I demand it to 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 non-monetary relief
Consumer complaint received 2016-10-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed an account on my credit file numerous times and I 've been informed by the credit reporting agency that my account was investigated and that the item remained unchanged from the processing of the dispute. The account was included in a Chapter XXXX bankruptcy in which was discharged on XX/XX/XXXX. The credit reporting agency is using that date as the date of recent balance in which will place the account on record until XX/XX/XXXX. The date of last activity for the account was in XX/XX/XXXX. So therefore the account has to be deleted from my credit file according to the Federal Credit Bureau guidelines. I also made contact with the creditor and they stated to contact the credit reporting agency to have the old account removed from their records. I have made numerous requests to have the old account deleted from my credit file. However, the credit reporting agency has failed to respond to my requests.

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 2019-12-04
Company: Exeter Finance Corp.
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 have 12 payments recorded 30 days late. However I received an extension for a few of them and paid less than 30 days late for a few others. XX/XX/XXXX I made a payment XX/XX/XXXX and another payment and another on XX/XX/XXXX I also received an extension for XX/XX/XXXX. I have XX/XX/XXXX recorded 30 days late and I made a payment XX/XX/XXXX for this. My payment for XX/XX/XXXX was marked 30 days late as well and I made a payment for XXXX on XX/XX/XXXX. For XXXX and XXXX of XXXX I was given an extension to be added at the end of my loan however they still reported 30 days late. XX/XX/XXXX was also reported 30 days late which I made a payment on XX/XX/XXXX for XXXX. XXXX was reported 30 days late a payment was made XX/XX/XXXX. XX/XX/XXXX I missed a payment without realizing and called and spoke the them on their recorded line where they told me it wouldnt be reported since I made the payment. From XXXXXXXX XXXX XXXXXXXX  they recorded 30 day late payments. I know my payments havent been on time but they havent been 30 days late. I got the loan when I was younger and made a few mistakes paying a few days late I now understand credit and am working hard to fix it. This is hindering me from getting an apartment and overall has made my life more stressful. I appreciate the time and concern you guys are taking to look into this. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: TRUIST 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 status incorrect

Complaint:
Dear Sir or Madam I am writing to dispute the following information in my credit file. 
The car loan with Regional Acceptance Corporation was pay off by my insurance in 2018 due to my car being declared a total loss. I call Regional Acceptance Corporation last week to ask why we have late payments on the account. The representative told me that I needed to make payments even if the car was declared a total loss. I am asking you to please reconsider to take these late payments off the account. We had the car for almost two years, and we never had a late payment. The account now is pay off and closed.

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 2016-10-12
Company: The CBE Group, Inc.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I have an outstanding student loan through the Department of Education and my wages are being garnished. It was turned over to the CBE Group for collection and I do not dispute the loan or amount owed. The CBE Group advised me of a rehabilitation program to get my debt paid off and I have been trying to set this up for about 5 months now to no avail. According to the terms of this rehabilitation program per CBE, I would have to pay an additional $ XXXX/month on top of the garnishment for 5 consecutive months before the garnishment would be lifted and, at that time, the loan would be turned back over to Dept. of Education. It was explained that I needed to pay this additional fee to " prove '' to them I was serious about repaying my debt. I 've never heard of such a thing and have spoken to countless employees and a supervisor at CBE imploring them to reconsider the $ XXXX/month fee because it would create a financial hardship. I am XXXX from an accident I had XX/XX/2008 and have not worked full time since then - which is why I have not been able to settle this debt in the first place. After much back and forth, I agreed to enter the program and was told I could make 2 monthly payments to split the dues in half. I wanted to start immediately but required something in writing from them that outlined the terms of the rehabilitation program, the amount I would pay every month, and the total amount I owed. I was told no by every representative I spoke with. I finally talked to a supervisor who stated he would send me the paperwork via mail but I never got anything. I then asked him to email it to me ... still nothing. I 've emailed the supervisor at the address he provided to ask for this paperwork, and have called continuously only to be told it would be sent but as of this writing I have received nothing from them. I emailed the Ombudsman from Dept. of Education and weeks later she did call me but I was at work. I called her back and on her voicemail gave specific times when I could be reached but she never returned that call. It 's been over 5 months and I am at a loss - I want to start paying this debt back and repair my credit. Any help of advice you can provide would be much appreciated. Thank you

Company response to consumer: Closed with explanation