BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-15
Company: Experian Information Solutions 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:
Experian XXXX XXXX XXXX XXXX, TX XXXX In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXL Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : 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 2021-12-23
Company: General Motors Financial Company, Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had a auto loan with GM Financial that was paid in full. The company quoted the full amount then months later contacted me stating the amount that was quoted was wrong after the check was submitted. I had no recollection until months later. I then paid the remaining balance. The results of their error caused me multiple late fees and for GM Financial to report a repossession which never happened and I still have my car. I reached out multiple times disputing this error requesting they remove it from my credit report to no avail. I need assist with correcting this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Further to Rushmore Loan Management Services response letter dated XX/XX/2022 ( attached - 3 ), Rushmore Loan Management Services claimed that I did own or short pay for the payoff funds for {$160.00} as of XX/XX/2022, total payoff due {$200000.00} which is incorrect and misleading. 

According to your instruction/ payoff letter dated XX/XX/2022 ( attached -2 ), it has been stated clearly that Through XX/XX/2022, the required payoff amount is {$200000.00}, based on the instruction, I have been settled and full paid on XX/XX/2022 by TT payment before the deadline ( i.e XXXX XXXX, XXXX  ). ( attached-1 ) As the professional and reputation of the loan management company, ensure all the data is correct, and please make sure to provide the correct information. 

If there is an overpayment due, the refund will be issued to XXXX XXXX, at XXXX XXXX XXXX, XXXX, FL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Santander Consumer USA Holdings Inc.
State: AZ
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:
Contacted XXXX XXXX in XXXX Nevada to purchase a XXXX XXXX XXXX. I was lead to believe the vehicle was in stock and that we were working a deal on a vehicle they have. I told the dealership that I had my own financing through XXXX XXXX XXXX XXXX and a preapproval letter through XXXX  XXXX but they are high interest and that I do not want to use them. The sales person asked for my social to verify my preapproval and that he may be able to get me a {$1000.00} rebate from Chrysler capital. would not be a hard inquiry. I do not want inquiries on my credit and would not sign anything allowing so. nothing was presented. Then they told me they have an approval through XXXX  XXXX. They ran my credit to 5 banks without my approval whatsoever. nothing signed. nothing allowed. with very clear instructions not to do so. They Lied and according to their online reputation I now see that this scammy behavior is common practice. on top of that they sent a purchase order, asked for a deposit and secured it for purchase. then when it came in lied and said it was damaged and it was really sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: CCB Credit Serivces, Inc
State: IL
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:
You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
XXXX has not sent me any statements showing my balances due. I did not know my loan was almost defaulted - I was informed by a accelerated action letter from chase dated XXXX. I was not given any phone calls or additional letters warning me that I was about to default. I am just asking chase allow me to make up the missed payments and continue making the monthly payments. I WAS TOLD WHEN MY LOAN WAS MODIFIED FOR LONG TERM PAYMENT MODIFICATION I WOULD HAVE FORBEARANCE FOR PAST DUE AMOUNTS. THIS DID NOT HAPPEN. i WAS NOT INFORMED THAT THIS HAD NOT HAPPENED.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: Convergent Resources, Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Convergent Outsourcing Inc. keeps contacting us via mail re a XXXX debt we do not owe, and have never owed. For years, we have used a different carrier for cell phone service. This company is known for attempting to fraudulently collect debts that are not even owed. Maybe there is someone with a similar name who does owe a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: EQUIFAX, 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:
According to the FCRA ( THE LAW ) Equifax XXXX XXXX needs to remove these unauthorized inquires. Its been over 30 days Under federal law, equifax has thirty ( 30 ) days to complete their investigation per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ).

They have also failed to provide proof with my signature that SHOWS I authorized these inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Experian Information Solutions 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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

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 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have attached an FTC report with inquiries I didn't authorize

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 2020-04-14
Company: CITIBANK, N.A.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Team, I have been attempting to obtain a payoff demand letter from CitiMortgage. They claim this is currently in their Centralized Recovery Department. Originally, they kept transferring me to XXXX who originally was the service provider on this loan but they are no longer involved. They told me to contact CitiMortgage. Also, a representative in CitiMortgage, told me recovery will need to assist me. 

I sent faxes but the phone line is not manned and I can understand due to COVID-19 but the email the representative provided me bounced back. 

I need a payment demand letter so I can pay CitiMortgage. I am selling my house and we were supposed to close this week but Citi has been completely unresponsive. Even reps have been hanging up on me, transferring me back to XXXX  when I tell them, they can't help me. 

I simply want to pay CITIMORTGAGE to move forward or I'm going to lose this opportunity to sell my home. 

Please contact me with any questions at XXXX or email at : XXXX My loan with CITI is : XXXX -- as I mentioned, the rep will think it's with XXXX  but it's not. 

Thank you for any assistance you can provide. 

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 2016-10-08
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I found out on XX/XX/XXXX that I was a victim of identify theft a few days after I opened up a bank account at a XXXX XXXX Branch when they emailed me saying it would be closed because they had discovered I had a Sun Trust Bank account which was flagged with a negative standing, which I never had an account with Sun Trust Bank before. After leaving the XXXX XXXX I immediately went to the nearest Sun Trust Bank Branch to follow up where I found out that an unknown suspect had fraudulently used my information XX/XX/XXXX, misspelling my first name, using a completely different middle name from mines, my last name & social security number was the only things correct on the forged document where the unknown suspect forged a signature that was suppose to be mine. This document also did contain the bank teller 's information name which I believe that both were in on the fraudulent scam since only half of my information was correct & the teller accepted it anyway. I contacted the police to make a report. Sun Trust Bank Fraud Dept. even had a local detective come to my work place to see if I was the unknown suspect in the video images they sent to the precinct. When approached by the detective he had a picture of the suspect trying to see if I was her which I was n't. He also showed me, at first I did not recognize the woman immediately but once I did.. I contacted the detective to let him know who the woman was & I never heard anything back from him. To this day, Sun Trust has not did anything & this woman is still has not been punished for her crime, which is NOT fair. How can a bank let someone come in to one of their branches open up a bank account in someone 's name with half of their information as well as NOT press any charges after finding out the true identify of the scammer. This has been emotional stressful to know that a large company as Sun Trust allows things like this to go on & do nothing about it. After filling out an affidavit, all I was offered was the ability to now open up an account with one of their branches ... which I will NEVER do because of the fraudulently activities they allow. As a consumer I feel cheated & my name slandered.

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 2021-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX, am submitting this complaint for myself for there is not any third party involved. I have sent Transunion an identity theft report and an affidavit, stating that information on my consumer report was unauthorized, unverifiable, and inaccurate. I have requested for them to block and remove the information. They have received this documentation XXXX business days ago. I have gave neither Transunion or any of these creditors permission to report on my behalf. Transunion has stated that they will undergo an investigation, yet they are still reporting adverse information on my consumer report. I would like the details of how they will undergo an investigation, along with the name, phone number, and address of the person they are interviewing so that I may follow up.

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 2016-02-23
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The alleged debt is erroneous. ALL associated costs were paid when I switched phone service providers. I have requested, from the claimant, records to support the purchased debt. Claimant has failed to provide supporting documentation to support their claim. Instead the company who purchased the alleged {$41.00}. debt, unethically reported the debt as valid, while refusing to support their claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have TRIED several times but XXXX XXXX  and Transunion are still deciding to report illegal information on my credit file that could be a result from my identity being compromised from XXXX data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights.

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 2021-12-23
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:
XXXX, TRANSUNION AND XXXX is Reporting unknown Enquiries on my Credit Report. when I call they are Refusing to Delete 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 2016-07-17
Company: SUNTRUST BANKS, INC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mine is a V. A. Mortgage and XX/XX/XXXX I submitted an application to the Keep Your Home California ( KYHC ) Principal Reduction Program ( PRP ). It was approved and funds of {$62000.00} were disbursed to my mortgage lender, Suntrust Mortgage , Inc. on XXXX XXXX, XXXX. Prior to the KYHC PRP, my monthly V. A. mortgage payments were {$780.00}. The KYHC PRP regulations required Suntrust, on XXXX XXXX, XXXX do XXXX things at the very same time : 1- to lower my principal by the amount I was awarded, the {$62000.00} and 2-to lower my monthly V. A. mortgage payments to a maximum of XXXX % of my monthly gross income of XXXX ( from my V. A. XXXX XXXX XXXX XXXX XXXX ), which is {$400.00}. On XXXX XXXX, XXXX Suntrust never lowered my monthly V. A. mortgage payments until I kept insisting they do so and only because I contacted the U.S. Dept. of Veteran Affairs and KYHC for assistance in getting Suntrust to comply with these KYHC regulations. In clear violation of KYHC regulations and for two full months ( XXXX and XXXX XXXX ) after their XXXX XXXX, XXXX receipt of the {$62000.00} Suntrust continued to charge me the full monthly mortgage payments of {$780.00}. Then in XXXX XXXX Suntrust again violated KYHC regulations by again exceeding the XXXX % maximum of my gross monthly income, by charging me {$410.00} instead of the KYHC required {$400.00}. 

These XXXX clear and deliberate KYHC violations by Suntrust created an undue burden on me and I was unable to afford my monthly V. A. mortgage payments and this caused me a hardship of Their won creation. During these three months, Suntrust further harassed me by mailing me paperwork in which they wrote, and which specifically stated that they intended to foreclose on my home by forcing me to Short Sale my home for those three months of missed mortgage payments. I am reporting these violations of KYHC regulations by Suntrust and I am requesting that Suntrust Mortgage , Inc be investigated and held accountable for these deliberate violations which Suntrust themselves created and with which they tried to illegally foreclose on my home by forcing me to Short Sale my home and leave me, an XXXX XXXX and XXXX XXXX Veteran homeless.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Account was opened at both Chime ( yesterday XX/XX/21 ) and XXXX XXXX ( XX/XX/21 ) by someone using my email adress. I can not get through to Chime in anyway shape or form. I am a XXXX so I understand whats happening. So far nothing has appeared on my credit report or on check systems, however I have 3 other employees who've had simalar attempts at XXXX. ( how did they verify me? ). However Chime is sending supposedly a debit card to my son 's address. Clearly this is fraud. Put fraud alerts on my credit accounts. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have student loans through Fed Loans and I qualify for the Public Loan Forgiveness Program as well as the Income Based Repayment plan. I contacted them recently because they had my start date for paying my loans off by 3 years. I was instructed by them to refile my paperwork for both program ( listed above ). They have yet to contact me about the change to my start date. However, they have notified me that I no longer qualify for the Income Based Repayment plan because " I make too much money. '' My income is the same that it 's been for the past two years and they even admitted to me that they " improperly '' adjusted my payment over that time. But when I 've asked for paperwork showing proof of this, they have n't sent me anything. In fact, they 've implied that they are comparing an after tax gross income to a pre-tax gross income and that 's what explains my change in annual pay. Again, upon multiple requests, they 've refused to send me any documentation of this and, instead, recommended that I go into deferment until the issue is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Merchants Adjustment Service ( MAS ) has " willy nilly '' placed a {$110.00} collection on my XXXX credit report. It does not state the original creditor, so in actuality MAS is stating that I owe this money to them. This is bogus reporting and is causing a hit to my credit score. I do not owe this company anything and, judging from MAS ' reporting method, it has no idea whether the information is accurate or not. Just an MAS employee trying to make a quota to my detriment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation