BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-28
Company: Consumer Portfolio Services, Inc.
State: VA
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 checked my personal credit report, which I acquired from XXXX, XXXX XXXX, and XXXX XX/XX/2022 and I noticed Multiple unauthorized credit inquiries had been made. Under the Dodd-Frank Wall Street Reform and Consumer Protection Act, I Have the authority to take action against institutions engaging in unfair, deceptive, or abusive practices. Under the terms of the proposed consent order filed today these inquiries where not bought on or made by me. I contacted XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the following credit inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above XXXXXXXX XXXX XXXX XXXX XXXX XXXX. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Credit Management INC. refuse to give me all the information that I am requesting for verification as of these -Proof of the original contract bearing my personal signature : -Proof that I entered into a contract with Midland Credit Management INC -Pay Of Disclosure : -Interest Rate Disclosure : -Balance History : -Payment History : -Credit Insurance : The have sent me over 100 pages of a contract that I know nothing about, and not showing me anything i'm asking. 

They have had numerous chances to produce the information i'm seeking, but yet fail to do so. By Law they have 30 days and it's been well over 100 + days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Experian Information Solutions Inc.
State: GA
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 recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

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 2022-08-28
Company: Global Lending Services LLC
State: VA
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 checked my personal credit report, which I acquired from XXXX, XXXX XXXX, and XXXX XX/XX/2022 and I noticed Multiple unauthorized credit inquiries had been made. Under the Dodd-Frank Wall Street Reform and Consumer Protection Act, I Have the authority to take action against institutions engaging in unfair, deceptive, or abusive practices. Under the terms of the proposed consent order filed today these inquiries where not bought on or made by me. I contacted The Credit Company who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above XXXX XXXX XXXX XXXX VA, XXXX. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Paypal Holdings, Inc
State: ME
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
i have XXXX sitting in my paypal account since XXXX and paypal still wont release. I reached out to them and they said to email XXXX with photo id to restore the account and balance. I have done this many times and even asked for updates. They dont respond. I think they just said that to close my complaint but had no intention of following up. They have everything they requested but will not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Santander Consumer USA 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: Account status incorrect

Complaint:
Santander Consumer USA # XXXX is reporting on my credit as a repossession, however this account should not be reporting this way. This account is no longer a repossession and needs to be updated to show the account open and current.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Experian Information Solutions Inc.
State: GA
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:
This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error 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 2022-08-28
Company: Experian Information Solutions Inc.
State: TN
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:
when i want the website in company soft pull in prequalify end up with hard inquiry on my credit file 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 2015-07-20
Company: SIERRA PACIFIC MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We requested to our mortgage company to remove the PMI. They stated that a letter would be sent once the request was processed. Two weeks later, we followed up and were told the same thing. Another few weeks pass, and after another follow up, we are told letter will be sent. Finally, after 4 weeks a letter arrives stating that our request was denied due to XXXX late payment, and a new request can be made after 1 year. 
So, one year later and no late payments we make a new request to remove the PMI. After 1.5 weeks, we receive a letter denying our request, and no specific reason is stated. Rather a supplemental document is attached outlining the investors guidelines. 
This mortgage company is basing the current LTV on an appraisal done 2+ years ago. They are not allowing us to reappraise the home so that the current LTV can be generated and considered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
After several weeks of submitting more and more information to Bank of America to secure a conventional loan, with one-third down, we were denied the loan - the reason, insufficient cash to close. At the time we needed {$45000.00} to close and we had {$60000.00} in a savings account at XXXX XXXX. We paid cash for the house 6 days after we were denied loan. We feel that there other reasons for denying the loan and would like to know what they are. We are XXXX and XXXX years of age and are wondering if any age discrimination was involved, or if we were denied because our savings account was at a different bank.

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 2017-01-22
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I aaked got assistance many times, including forbearance. Many times i was told i would be sent out the proper paperwork to fill out so i can receive the forebearance. The paperwork never came. When i would call again a few weeks later they would say that there was no notice on my loans about forebeaeance, or that the agent never sent my paperwork. This cycle happened many times. On separate occasions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
After rehabilitating my loans I was again working with Navient directly. When I called them to express financial difficulties at the time they gave me information on deferment. I submitted the paperwork and am still currently on deferment however I did not k ow there were other options for me on my loan and tht never provided alternatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XXXX XXXX, XXXX, I received a letter from Bank of America advising that an account in my name as trustee holding a {$2000.00} certificate of deposit for my daughter was going to be closed within 30 days because it had purportedly been " inactive '' unless I contacted Bank of America within 30 days. When I contacted Bank of America on XX/XX/XXXX ( within 30 days of the date of the letter ) I was advised that the bank had closed the account on XX/XX/XXXX -- just 12 days after the date of the letter -- and that the entire balance had been transferred to the State of New York. 

This account was established for my daughter by my late mother. After she passed away, I contacted Bank of America on XX/XX/XXXX the date referenced in the Bank 's letter as the last date of any qualifying activity to change the account to be titled in my name as custodian, and to change the address from that of my mother to my address. 

Although it appears that the Bank managed to change the account name, it appears to have failed to change the address and continued to use my mothers address rather than MY address. Indeed, the Unclaimed Funds website for the New York State Comptroller correctly identifies this account as being held in my name, but at my late mothers address. 

Presumably, the Bank 's addressing error prevented me from receiving any communications from the Bank subsequent to XX/XX/XXXX, until the Bank 's letter of XXXX XXXX, XXXX, by which time it appears that someone at the Bank discovered its error and was able to reach me at my current address. 

None of this, of course, explains how the Bank could have closed the account and transferred its balance to the State of New York just 12 days after representing that no such actions would be taken until 30  days after its letter of XXXX XXXX. The Bank 's gross misrepresentation of the status of this account and the steps needed to prevent closure and transfer obviously compounded its error in failing to update the address of the account back in XX/XX/XXXX. 

On XX/XX/XXXX, I wrote to the Bank ( via XXXX ) at the address provided in its letter of XX/XX/XXXX and provided all these facts. I asked for a response within 30 days, and have gotten no response at all. NOTHING. Incidentally, the certificate of deposit carried a 3.99 % interest rate thru maturity in XX/XX/XXXX. I wonder if the Bank 's desire to terminate that relatively high interest rate played some role in its precipitious and wrongful closing of this account?

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 2017-06-26
Company: INTERCONTINENTAL CAPITAL GROUP
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: Reporting company used your report improperly

Complaint:
Mortgage Company was contacted by a family member claiming they were helping me with obtaining a mortgage. The broker ran my credit report discussed my financial information with this family member and then gave them a copy of my credit report. This was done without my knowledge or consent. Upon contacting the mortgage company, they apologized for the oversight of not confirming my authorization and offered a XXXX subscription should this individual attempt to utilize my information.

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 2022-08-28
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ACCT # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX KS XXXX ( XXXX ) XXXX ending acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. amount : {$1100.00} Original creditor XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question : XXXX XXXX/XXXX/XXXX Banking XXXX Card XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX XXXX/XXXX/XXXX Banking I am requesting validation, made pursuant to the Fair Debt Collections Practices Act. I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to run my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXXXXXX XXXX and XXXX provided false and inaccurate information to Experian causing my credit score to reduce by XXXX points and my credit rating to go from Very Good to Fair on XX/XX/XXXX. I had only 2 % debt and have never been late with any of my credit cards. I disputed the information the first time without any thorough investigation done. I was not able to upload any supporting information to Experian. I was never told that they have a site where documents are uploaded. They concluded the investigation within few days and posted the result. I disputed the collection account again by XX/XX/XXXX and told them I have supporting documents to upload. Surprisingly, the investigation ended the next day with the result posted again even while they knew I was trying to upload some documents. By the time I successfully uploaded the documents, the investigation had already concluded. It was after the fact that Experian told me that their system accepts only pdf or tiff files. I day investigation for false and accurate information is not enough. And not waiting for the documents means that both XXXX and Experian had already made up their minds about the results without any investigation. The two files I wanted to upload will be uploaded here to show that I XXXX sent me a letter of termination dated XX/XX/XXXX, and agreed to it per my affidavit and letter. The second letter dated XX/XX/XXXX, will show that XXXX forged a request for termination and made it appear that I made the request. The letter is fraudulent because I never contacted XXXX between XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Navient, a company who took over for XXXX XXXX loans I have, calls me up to XXXX times a day, calls within XXXX hours of each other due to a loan being 2 months past due. I had requested paper billing so I could mail in Payments and have n't received them so I did slip. I notified them when a check was mailed with the check number and amount and the calls stopped for 4 days. The account is up to date now with next payment due XXXX and they called again at XXXX Sunday night. Enough is enough. Enduring multiple phone calls a day starting daily at XXXX and going think XXXX had finally stopped and now they are apparently starting again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: TD BANK US HOLDING COMPANY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In early 2019, I submitted an application for a checking with TD Bank account via my phone. Between having a poor Wi-Fi connection, and accidentally pressing the back button a few times, my application was submitted multiple times and my account was flagged. This was a good faith mistake but has prevented me from opening other accounts without difficult in-branch identity verification. Multiple requests have been sent to both the reporting agency, XXXX XXXX XXXX, and to the bank. They have given me the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: ENCORE CAPITAL GROUP 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: Account status incorrect

Complaint:
Midland Funding LLC has reported a delinquent account on my credit for the amount of {$750.00}. Before I paid the account it was charged off to another company, XXXX. XXXX reached out to me offering to settle the account. I paid XXXX {$520.00} on XXXX XXXX, 2020. I was told that they would notify Midland Funding who would then remove it from my credit. After a month I called Midland Funding to check the status and they told me that they had not received notice from XXXX  that I had settled the account and that I should call them. I called XXXX to get the process moving and after 1 month and several calls I was informed by XXXX that they had given the information to Midland Funding. Midland Funding still claims that they have received no such notice. I have been calling for months and am always told that the issue going to be escalated, and when nothing happens I call back and it seems like the first time they are hearing about it every time. I have disputed the account several times and it always comes back as the information being correct. I dont know where to turn to fix this issue, but neither companies are even attempting to fix the situation.

Company response to consumer: Closed with non-monetary relief