BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
My credit inquiries were all removed from my credit report which caused a small impact to my credit score positively when they were added back for whatever reason it caused a huge dip in my score and this was done without prior written notification per FRCA section 611 all items must be removed. 

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, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/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 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 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 Credit 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 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 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 explanation
Consumer complaint received 2016-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have called TransUnion to correct my personal credit file, I called customer service and stated that they have incorrect address that is on my credit report and as well a company I never worked for that I want removed.

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 2015-05-06
Company: Credit Protection Association, L.P.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I noticed a debt from Credit Protection on my credit report from XXXX XXXX. Thats odd becasue I 've had XXXX XXXX since 2006. I also noticed an account transfer from an apartment to another apartment, thats also odd considering I have been buying my home since 2006. I never gave anyone permission to request services from XXXX XXXX, which will open an account to anything or anyone under the sun without asking for proper ID. Now a collection account is showing for an account I never opened.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-19
Company: Global Trust Management LLC
State: CA
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:
I had an account with XXXX XXXX ' XXXX in XXXX. I fell into financial trouble and hired a company to settle my debts. In XX/XX/XXXX, my debt was settled for {$100.00}. I have a copy of the settlement and check. In XXXX XXXX XXXX XXXX sold my account to a third-party collection agency. It has since been sold to two other agencies. It is now showing up as delinquent payment on my credit report. I tried to dispute the collection and it comes back as valid. I do not know how to get this taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: ALLY FINANCIAL INC.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I banked with Ally Bank from XXXX until XXXX XXXX, XXXX the bank made the decision to close my checking account due to them allowing someone to transfer money from my account to another account. They reimbursed the funds to my account but now they are giving me the run around about my refund for the closing balance. I hhave been communicating with a XXXX XXXX who has told lies to me and her supervisor XXXX who has taken her word to be true my account was closed in early XXXX I was sent an email as notification and told on XXXX XXXX, XXXX the check for my remaining balance has been mailed I then ask to what address nd then informed it was mailed to my previous address to an address I had moved away from 6 months prior so the check was returned by the resident currently living at XXXX XXXX XXXX XXXX, XXXX but before that I informed XXXX that I was moving and when the check was returned if it could be sent to my new address XXXX XXXX XXXX at that point she required me to email her a copy of my lease which I reluctantly did since I was evicted from my previous address due to all the fraud which was allowed to my account she informed me that on XXXX XXXX the check was returned to the back after I had wait per her instructions not to call back until XXXX XXXX which I call back on XXXX XXXX I am bein given the run around and about to be evicted a second time I am a XXXX vet and do not have the income to be going thru this XXXX money all I want is to get my money and I am done if they continue I want have an address to send it to I will be on the street

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Honda is reporting my account to the credit bureaus as a current charge off with a 30 day late payment in XXXX 2009. This is not accurate and needs to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX provided us internet service for a little over a month in 2014. A subcontractor picked up XXXX pieces of XXXX XXXX equipment shortly after we discontinued service. At no time were we told that we needed to have either a copy of the work order or the receipt. Approximately 2 years later we received a letter from XXXX XXXX saying we owed {$150.00} for equipment. I called them and they asked if the contractor had offered us a receipt. He had not. He obviously had not followed procedure. After 7 months and repeated calls they finally found the work order but insist that we produce either a copy of the work order or the receipt. We have received 4 messages from the Credit Protection Association demanding that we pay " now. '' At no time were we informed that we must have a copy of a work order or a receipt and XXXX XXXX waited almost 2 years to ask for the {$150.00}. Either someone walked with that equipment or they have it some place. I question waiting almost 2 years to send us a notice that they did not have the equipment. At the very least XXXX XXXX should inform consumers that they are to receive a receipt if equipment is picked up to be returned to XXXX XXXX.

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 2021-01-19
Company: CREDIT ACCEPTANCE 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:
I most recently spoke to a representative from credit acceptance on XX/XX/2020. She confirmed that my initial past due balance was about {$3200.00} but could not explain how it has gone up to over {$4000.00} since then even after agreeing to pay more each month to reduce that amount. My account still shows as either XXXX or XXXX depending on who's reporting and none of the payment history is consistent across the 3 major bureaus. Even if I was 180 days past due my balance at worst with late fees would be around {$2600.00}. Its likely the total balance owed is incorrect as well because of this. It almost as if there are hidden fees or interest being added that was never discussed with me because my payments are not improving the past due status and this is affecting my credit more than it should be.

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 2017-03-10
Company: DHI Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have been dealing with DHI mortgage company for over a month to close on a house. I signed all my documents except for ones which contained numbers. I did that because the numbers were wrong. It took them the longest time to get back to me with the numbers and then when they did they were still incorrect. I had to follow up with them on whether everything was handled. Now we are XXXX business days from closing and the want me to resign all initial disclosures because they stated I never signed them. I am extremely frustrated and feel as if they have been highly unorganized and unprofessional. They still had me submitting XXXX up to XXXX weeks ago when I submitted all these items over a month ago. They also have not been good about going over the numbers with me either.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have been wrestling with this loan payment since graduating in XX/XX/2008. Hindsight being what it is, I was not so subtly guided towards taking a loan out from Navient ( then XXXX ). While I have been able to temporarily reduce payments by way of forbearance or interest reduction rates, they have been just that -- temporary. What there is no transparency of or any information relating to is how temporary these " assistance '' programs are. You are only allotted up to two years of forbearance relief before they simply tell you, " You ca n't renew this program as you have used up your allotment '' without any warning leading up to it. The reduced rate interest programs are good for a year. You can continue to attempt to apply for them, however even if you are accepted your base monthly rate will still increase. My reduced monthly rate went up 61 % from the first year to the second. When I tried attempting to go for the third year, I was told that I make too much money, and now my monthly payments are higher than what I pay for rent. Terrible practices, not enough information, and no relief programs in sight. Borrowers beware : Never take a private loan unless you are 1,000 % certain that you are well within your means to pay it back immediately! Unless I find some relief, this will be hanging over me the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have filed disputes with Experian, XXXX XXXX XXXX back in XXXX of 2020. This is now XXXX and I still have yet to received anything from them. I want to fix my credit report and this is holding me up and I don't understand why they haven't reply to me yet.

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 2021-01-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Applied for a line of credit thru chase. I have an immaculate credit record and score. I was given an interest rate over 8 %. This is predatory lending. They are trying to rip people off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have loans dating back to 2004. I have Signature Loans with XXXX XXXX Navient. I received bills before I was even able to graduate from school. Navient has not provided feasible payment options and my loans are growing exponentially.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: Home Loan Center, Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
Went to lendingtree.com and checked on auto refinance rates. Provided our name, address and phone number and current auto loan interest rate and amount currently owed. Then the next day MANY companies pulled our CREDIT Reports. 
We DID NOT Apply for Any Loans with any company. We DID NOT Authorize unknown companies ( never heard of them before ) to pull our CREDIT Reports. 
This is a SCAM that has hurt our credit and we DID NOTHING Wrong and did NOT apply for any loans with anyone. We have contacted the credit bureaus ( XXXX, XXXX and XXXX ) but they give us excuses and are all hesitant to start disputes for these unauthorized credit inquiries. Our credit score is lower now due to all these Unauthorized Credit inquiries. This is VERY SERIOUS. Someone needs to Help and not allow companies like Lendingtree.com to allow lenders they associate with to be able to pull credit reports without AUTHORIZATION. If we DO NOT apply for a loan then our credit information is PRIVATE and any fly by night company should not be allowed to pull credit reports. Each time a credit report is pulled we loose XXXX points on our credit scores. So if Lendingtree gives out information to say XXXX companies and they all pulled our credit scores then we would loose XXXX points on our credit scores each. This is horrendous since it takes forever to improve a credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Navient Solutions, LLC.
State: FL
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 'm in School. I 've reported that i 'm a student at XXXX. XXXX reports to the XXXX. Navient is still charging me interest. Please correct them on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: FL
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:
I Struggled for so long with my student loans. It was and still is an absolute nightmare when it came to the repayment. Trying to contact them to have them explain things or figure out a plan was nearly impossible up until I missed a payment or was late with one. Then they would call me to harass not understanding I was out of work. I had to ask for help from my mom that would then put her Income tax return money to help pay and they of course messed that up by not allocating the money the way I requested and they even charged me 2 times a month. Needless to say that they had me so utterly confused and had no idea of how to resolve my concerns because I felt something was very odd in the ay they ran things.They urged me into an option of forbearance not mentioning that the interest would continue accumulating. 
I even recently had come into money from my brother that was for my XXXX but I decided to try and get this nightmare off my back by trying to settle out of this and made a payment of {$6000.00} towards the loan, yet they would not take my offer and said I had to pay off the full amount. Now that I made the payment I CANT GET THEM ON THE PHONE!!!! It always seems to disconnect! I am so worried that they are not allocating the money correctly and not working with me in bringing down interest! 
Pretty much all the charges I have heard on the news are very SPOT ON, I kept stating that I felt I was paying that Principle balance over a XXXX times over. Things seemed so very odd.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Rosebud Economic Development Corporation
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I sent many emails to zoca loan requesting they not draft my account on Friday XX/XX/XXXX. I received no response. Today, they drafted my account without my authorization. They did not respond to any of my emails sent.

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 monetary relief
Consumer complaint received 2015-04-12
Company: BARRONS MORTGAGE GROUP LTD
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My husband and I applied for a refinance loan with XXXX XXXX from Good Mortgage. He required us to pay out of pocket about {$850.00} to have our home appraised. Good Mortgage selected the appraiser, XXXX XXXX. In his appraisal, he made several factual errors, and his valuation of {$500000.00} is at least {$50000.00} lower than comparable market values we received. As a result of the low valuation, our refinance application was declined. Both my husband and I have excellent credit, have been steadily employed and our debt-to-loan ratio is acceptable. The valuation is the only element of our application that prevented us from refinancing our home. We sent a response to Good Mortgage, pointing our the errors in the appraisal and other issues that we had with the appraiser 's valuation. [ Please note that I also recently noticed that the appraiser excluded the XXXX and XXXX of the XXXX bathrooms in his appraisal. These inaccuracies should also be addressed in a corrected appraisal. ] The loan officer responded that the 'appraiser will not budge. ' We requested to see the response that he had received from the appraiser, but the loan officer refused to provide it to us. We feel that the appraisal should have been reassigned if the appraiser refused to correct the inaccuracies. The ordeal has cost us both time and money, and we may not be able to keep this property as a result.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Consumer Loan
Sub-product: Title loan
Issue: Applied for loan/did not receive money

Complaint:
I received in my mail a pre-qualified offer from Springleaf Financial Services ( see copy attached ) based on my excellent payment history and current lines of credit with that lender. XXXX XXXX was the original lender. XXXX sold my lines of credit to Springleaf several years ago. Today, after I agreed to Springleaf 's pre-qualified offer, Springfield denied me the loan, even though I qualified according to the representative who took my information. This resulted in a denial of credit that negatively impacts my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-20
Company: CASHCALL, INC.
State: WA
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I 've applied a payday loan many years ago through the internet and paid off since. Then a call came in last year about this, at first the scare tactics worked, I 've paid over {$2000.00} before my bank called me about someone was trying to get money out of my account from overseas, this is when I knew it was a SCAM and changed my cell phone and bank account number. I 'd then consulted a lawyer who told me to stop paying and if it 's a legit debt collector, they would have something in writing of the debt and to check my credit report. I have not received anything in the mail from this company or was it on my credit report. 

Then 2 to 3 weeks ago I 've been receiving robotic calls again from XXXX at home and work stating that I need to call back XXXX with claim # XXXX. I 've called an attorney today and they told me the claim # provided from XXXX, there is no such claim or case number against me. I have been reading posts on this number and all the post states it 's a SCAM and suggests that I report this number to CFPB and the attorney suggest that I call the attorney general 's office and file a complaint, so this is what I am doing. I 've blocked the number from my home but they find other ways to call.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation