BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 I XXXX XXXXXXXX natural person and consumer pursuant 15 USC 3002 , is aware that TRANSUNION, XXXX, and XXXX are violating my federal consumer rights. The FCRA requires any prospective user of a consumer report, for example, a lender, insurer, landlord, or employer, among others, to have a legally permissible purpose to obtain a report. The FCRA allows a consumer reporting agency to furnish a consumer report for purposes In accordance with the written instructions of the consumer. I have not given my written instruction to report the following accounts XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX account number XXXX. These accounts have been sold to a third party debt collector. This information has been furnished without my knowledge, permission or consent. Pursuant 15USC 1681 a ( 2 ) a ( iii ) I have the right to be given a chance to direct the information about a transaction I had to be reported or not XXXX XXXX XXXX. Any transaction authorized by my social security number the real credit card defined under TILA pursuant 15USC1681a ( 2 ) b and must be excluded from you consumer report. Pursuant Regulation V a furnisher must conduct a reasonable investigation of a direct dispute if it relates to any other information contained in a consumer report regarding an account or other relationship with the furnisher that bears on the consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. Investigated report must have sources of interviews of family and friends pursuant 15 USC 1681a ( e ).

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 2019-12-11
Company: Medical Data Systems, 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: Account information incorrect

Complaint:
Medical data systems keeps eeporting the same 2 accounts but changing the balances to make it look like a new report. The placed a report in XX/XX/XXXX then the same one afain in XX/XX/XXXX with a different amount as new.

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 2019-12-11
Company: DISCOVER BANK
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
About 14 years ago I was the victim of identity theft. Someone was using my accounts & information to make purchases with my credit card. I contacted discover and the credit bureaus. All of the charges that I did not make were deemed fraudulent and removed from my credit report. I have made numerous calls to discover through the years and thought this situation was taken care of but 10 plus years later I found out, it is not. Last month, I spoke with a very kind & helpful Discover representative who informed me that in 2014 Discover had reviewed my file again and decided that I was responsible for the fraudulent charges. I recently received a court notice saying my wages were going to be garnished. I have talked to the attorneys from XXXX XXXX XXXX numerous times and Discover card and explained my situation to them and specifically told them that I did not make those charges. Their response was that they could not do anything about that and said I had to contact Discover. Discover is now garnishing my wages for over {$11000.00} in fraudulent charges that I did NOT make
!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: DE
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
This is a follow up to my complaint # XXXX. Today I received contradictory and confusing foreclosure documents from Select Portfolio Servicing, along with forms to be completed that would negate the foreclosure of my home. I think SPS is engaging in possibly illegal tactics. This behavior has repeated occurred heretofore with SPS. Please see attached documents and my original complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: GREAT LAKES
State: KY
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 had my student loans through Great Lakes Student Loan Servicing. Starting in XXXX I began making loan payments. I am a XXXX and I contacted them about options. They told me about the Public Service Loan Forgiveness program and how I needed to get into the Income Based Repayment plan. I applied and started in XXXX in the program. For XXXX it gave me a payment of {$0.00} which would count toward the 120 payments needed. XXXX it was {$56.00} per month. XXXX it was {$250.00} per month. XXXX it was {$220.00} per month. And in XXXX it was {$130.00} per month. In XXXX I submitted paperwork to verify my employment which is needed to eventually qualify for Public Service Loan Forgiveness. At that point I received notification from Great Lakes that my payments would not count because my student loans needed to be consolidated through XXXX. I have since switched my loans over but I have to restart the 120 payments. This is going to delay my finishing my loans by 5 years due to XXXX not counting. Great Lakes never informed me that the loans needed to be converted to XXXX and this will continue to cost me substantial money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions 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, EXPERIAN has violated my rights. Title 15 U.S.C 1681 section 602 A, states I have the right to privacy. Title 15 U.S.C 1681 section 604 A Section 2 : It also Staes a consumer reporting agency can not furnish an account without my written instructions and/or written consent. 

EXPERIAN is in violation of FCRA Section 611 Part ( A ) ( 1 ). 
on XX/XX/2022, XXXX certified mail envelopes regarding many discrepancies on my consumer report where sent over to EXPERIAN. I have signed green slip receipts showing they accepted my mail. However, my EXPERIAN consumer report never reflected an ongoing investigation. After, 30 days and even an addition XXXX, EXPERIAN, never responded or sent me any correspondence with any of the XXXX matters.

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 2017-06-03
Company: American Credit Acceptance, LLC
State: NC
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   XXXX ,    2017 I received an alert this morning from  XXXX  and  XXXX  that my complaints against American Credit Acceptance had been resolved yet it has not. American Credit Acceptance is reporting a higher Balance than I owe and updated the credit bureaus with the false information thus impacting my credit score a violations of the FCRA. American Credit Acceptance reported that I have balance of {$26000.00}. My balance on the attached statement clearly shows a balance of {$26000.00}, the information on my credit report is false information causing my balance to increase and my credit score to b e impacted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: EQUIFAX, INC.
State: MI
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:
On  XXXX   XXXX ,  XXXX  my ex-wife and I met with an attorney,  XXXX   XXXX  in  XXXX   XXXX   XXXX , Michigan, to consult about bankruptcy. We left that consultation without any intent on filing bankruptcy. On  XXXX   XXXX ,  XXXX , while returning home to Michigan from Alabama for  XXXX  vacation, none of my credit cards would work to pay for my rental car. After research, I found out that the attorney that I had consulted with said th at one of his secretaries accidentally filed the bankruptcy electronically with the Bankruptcy Court. Th e attorney wrote letters to the court and my creditors, but all that happened is that it was " dismissed '' not removed. It is still affecting my credit report and my ability to obtain credit. I was denied credit about a month ago by  XXXX   XXXX  because of the bankruptcy. How do I get this bankruptcy REMOVED from my credit report, not just " dismissed ''????

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: Experian Information Solutions Inc.
State: MI
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:
On  XXXX   XXXX ,  XXXX  my ex-wife and I met with an attorney,  XXXX   XXXX  in  XXXX   XXXX   XXXX , Michigan, to consult about bankruptcy. We left that consultation without any intent on filing bankruptcy. On  XXXX   XXXX ,  XXXX , while returning home to Michigan from Alabama for  XXXX  vacation, none of my credit cards would work to pay for my rental car. After research, I found out that the attorney that I had consulted with said tha t one of his secretaries accidentally filed the bankruptcy electronically with the Bankruptcy Court.  The attorney wrote letters to the court and my creditors, but all that happened is that it was " dismissed '' not removed. It is still affecting my credit report and my ability to obtain credit. I was denied credit about a month ago by  XXXX   XXXX  because of the bankruptcy. How do I get this bankruptcy REMOVED from my credit report, not just " dismissed ''????

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 2019-12-11
Company: RGS Financial, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company RGS Financial which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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   XXXX ,  2017  I received an alert this morning from TransUnion and  XXXX  that my complaints against  XXXX   XXXX  had been resolved yet it has not.      XXXX   XXXX  is reporting a higher Balance than I owe and updated the credit unions with the false information thus impacting my  credit score a v iolations of the FCRA.      XXXX   XXXX   XXXX  reported that I have balance of {$19000.00} when I called and have attached a copy of my statement that shows a balance of {$18000.00} the pay off would be only around {$18000.00}. This false information caused by balance to increase on m y credit score w as impacted.

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 2018-05-31
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
OnXX/XX/XXXX I was told that to obtain a 2nd mortgage on my home I needed a letter of retirement for the title of our double wide mobile home. I called Huntington Bank that was listed on our mortgage and was told they didnt have access to mortgage paperwork. I was given Huntington Customer service number XXXX  to request the letter and was told that he would submit my request and we would receive it in the mail. I waited a week and called again to see if they had located the letter and was told that it is still being processed. While waiting I ask a friend who is an attorney to see if he knew how to obtain the letter of retirerment and he requested it through the state of representatives office. My attorney said that the title was never retired. I was advised to contact Huntington Bank again because they had done a refinance for us in XX/XX/XXXX so they should have the title and they could retire it and get us the letter. I have been going back and forth with Huntington and they say they dont require this letter when they do a mobile home loan, they tell us they dont have the titles and that it is our responsibility to get them. Because of Huntington Bank refusing to help us or listen to us we can not get a 2nd mortgage, we can not sell our house or even make arrangements to go into a nursing home because all the Banks and Credit Unions we have spoken to explain to us that without this Letter of Retirement they can not give us a loan. Please help us, my husband is XXXX and I am XXXX and not in good health. This stress is hard on us. I spoke to XXXX XXXX and they verified the titles were never retirered and that they are in the name of XXXX XXXX that is now Huntington Bank. I was given the form ( MV38L ) needed to get duplicate titles so I can have them retired but XXXX XXXX will not issue them to me because we have a lien on it through Huntington Bank. I spoke to XXXX XXXX in the Executive office who said they do not need the titles so it is up to me to get them. Huntington Bank also put Riders on our mortgage that do not in any way pertain to our property. They added a PUD rider and a Condo rider. I asked about that and they said they would see about taking them off because that would just cause questions if we are ever able to sell our home. I was told I would of paid for those but I am unskilled at finding that out. My last conversation with XXXX  was today and she told me that I had to contact XXXX XXXX at XXXX XXXX XXXX  ( XXXX to see if they can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On  XXXX   XXXX ,  XXXX  my ex-wife and I met with an attorney,  XXXX   XXXX  in  XXXX   XXXX   XXXX , Michigan, to consult about bankruptcy. We left that consultation without any intent on filing bankruptcy. On  XXXX   XXXX ,  XXXX , while returning home to Michigan from Alabama for  XXXX  vacation, none of my credit cards would work to pay for my rental car. After research, I found out that the attorney that I had consulted with said that one of his secretaries accidentally filed the bankruptcy electronically with the Bankruptcy Court. The attorney wrote letters to the court and my creditors, but all that happened is that it was " dismissed '' not removed. It is still affecting my credit report and my ability to obtain credit. I was denied credit about a month ago by  XXXX   XXXX  because of the bankruptcy. How do I get this bankruptcy REMOVED from my credit report, not just " dismissed ''????

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 2022-04-08
Company: Experian Information Solutions Inc.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumers report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumers report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2019-12-11
Company: Early Warning Services, LLC
State: NY
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:
There are three fraudulent accounts listed on my Early Warning Services consumer. I have contacted Early Warning Services to have this information as a result of identity theft removed and have not received any response back. 

Early Warning Services is not allowing me to place a fraud alert on my credit report with them. They are telling me they are a consumer reporting agency and are not obligated to do so. 

Early Warning Services will not provide me with the addresses and contact information for XXXX or XXXX XXXX XXXX XXXX to contact them to have the fraudulent information removed from my report. 

I have attached copies of all relevant documents to this complaint including copies of the front and back of my NYSID with my current address along with my SSA card for ID verification. 

I discovered my identity was stolen in XX/XX/2017. I have attached confirmations of identity theft after formal investigations by XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/10 my account was negative about {$8.00} due to pending transactions that already deducted from my available funds. I made a cash deposit and have the receipt showing my balance was in the positive at about XXXX. When I woke up this morning, I received 3 insufficient fund fees. Once researching I noticed that not only did my available balance change, but they allowed for a charge from 6 days prior go through. I DO NOT have overdraft protection because I will never allow the bank to overdraw and charge me fees. Instead they allowed a transaction to go through from XXXX ( {$47.00} ) instead of declining it. They also rearranged all pre deducted transactions to add in an older dated transaction that appeared after I took my account out of negative causing 3 insufficient fund fees. If I am not electing overdraft then no transaction should be causing the account to go negative. Rearranging transactions from largest amount to lowest is also against the law. It is not my fault the merchant or bank waited 6 days as shown in attached photo, to charge or post. Standard posting is 3 days somehow this took 6 days which is at fault of bank. This is not a recurring charge it was an online purchase made a week ago. Bank needs to be careful with deducting and posting while rearranging transactions. They deducted as they were purchased, but this morning they are all rearranged with transaction that appeared last night sometime posted before my pre deducted transactions from earlier in the day. As transactions are coming through it lowers the available balance whether posted or pending. That means at some point only so much is allowed to go through as long as there is a positive balance not negative and create bigger negative balance due to not following standard practice and laws.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-11
Company: LD Holdings Group, LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed / settled on my mortgage two weeks ago and they haven't funded the loan ( sent me the mortgage ). I have emailed ( 5-7 times ), called ( 3-4 times ), left a messages and voicemail with a manager. Nobody is trying to fund the loan ... it doesn't seem to be anybody 's priority, which is mind boggling. I'm confused because I've had a mortgage before and the money was send that day ( or maybe the next day ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: Santander Consumer USA Holdings Inc.
State: SC
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 been reported 30 days late and i have made all the payments on time. People were supposed to call me and never did. I gave them all the documents and proof needed with bank statements account info etc. They are wrong and refuse to cooperate with me.

Company response to consumer: Closed with explanation