BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I inherited this property through my deceased Mothers estate 10 years ago. I am currently behind on the mortgage and I am selling the property to avoid any foreclosure. I attempted a short sale in XXXX, XXXX. There is a first mortgage with Carrington of {$65000.00} and a Partial Claim with HUD for {$26000.00} from a Loan Modification my Mother completed while XXXX XXXXXXXX. The short sale appraisal came back at {$130000.00}, therefore the short sale Carrington offered was higher than the mortgages owed. I have spoken with several Realtors and the house wouldn't sell for close to that. The previous tenants trashed the house and there is a major plumbing issue under the house which was reported to Carrington. I went to the house in XXXX before I went in to have a XXXX XXXX XXXXXXXX for XXXX XXXX and Carrington changed the front door locks on XX/XX/XXXX. They didn't contact me, nor had any legal right to change the locks on the house. I am not in foreclosure and I have been in contact regularly with Carrington in regards to selling this house. They immediately knew their wrong doing and removed the lock box and left the new lock key under a rock on the porch on XX/XX/XXXX. I requested an updated pay off from Carrington on XX/XX/XXXX and there are {$3200.00} in bogus fees. I called and spoke to a Customer Service Rep who couldn't advise any info on the fees. I asked to speak to a Supervisor and was transferred to XXXX. He couldn't provide any information as well and instructed me to " dispute '' the items. There are charges for Roof repairs, repair bids, Other, etc. There have been no repairs done. When they illegally changed the lock, they did put saran wrap over 2 toilets. I should not be paying for any repairs, lock changes, debris removal, etc as the changing of the locks was unauthorized and no repairs or debris removal has taken place. I am in the process of selling this property and need the pay off to be corrected. I do not want to have to take legal action in regards to the bogus fees charged and illegally changing the locks. Any help is appreciated. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
the law states that at no point should there be a late payment reporting my consumer report & should not include any transactions or experiences between me the consumer and any person making a report. Further more, I never gave any consent for these alleged transactions. 
These are clear violations of my consumer rights under 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b Please delete these late payments from my consumer report and update this account as soon as possible Account Name- XXXX XXXXXXXX Account Number - XXXX Late Payment - XX/XX/2017 - Late Payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Kikoff Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Applied for the Kikoff XXXX XXXX premium account, it was advertised as reporting to all three credit bureau 's XXXX, XXXX, and XXXX, but it only reports to one so far and thats XXXX. I need you to make an update to my current account to XXXX, and XXXX please. My name is XXXX XXXX. Date of Birth XX/XX/1989. Order # XXXX. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$0.00} 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-10-14
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to tender payment to the online account to bring the account current. Wells fargo has informed me of sending me a work order with wire transfer directions or by next day mail. It would be more convenient if they could fix the online portal to a current date so that I can bring the account current. If they can resolve this issue it can save us alot of time and inconvenience. The website portal still says 2018 and is inactive. If it can be brought current as a date and active, I can make arrangements to bring the account up to date. Thank you for your time...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Social Finance, Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
Social Finance ( SoFi ) has been soliciting me to refinance my student loan for over 2 years. They presumably know from their soft credit pull that my debt sits with XXXX XXXX Bank. 

I submitted an application, and was told that SoFi does not refinance student loans from XXXX XXXX, even though I provided them with my loan note proving it is a Qualified Education Loan, as well as the 1098-E statement from 2021, further evidence that this loan is subject to 26 U.S. Code 221.

I have requested a review of the file, but received no further information from SoFi regarding the rationale or justification for not being capable of refinancing this debt. 

Thank you for your assistance in escalating appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2023-04-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/2023 Portfolio Recovery Associates took social security and XXXX protected funds from my bank account in the amount {$2.00}, XXXX without my knowledge or permission. I, XXXX XXXX, after doing research, filed a Protected Property form XX/XX/2023 with the XXXX XXXX XXXX XXXX and appeared in court as instructed on XX/XX/2023. Portfolio Recovery Associates did not show up and the Judge did not allow me to speak on my behalf and called another party at the same time that was not part of my case. As a result I suffered a financial hardship and I've been reaching out to XXXX XXXX XXXX and informing them that the funds recovered for Portfolio Recovery Associates is protected but they still keep giving me the runaround. So today I am filing this complaint because I continue to be treated unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: LDF Holdings, LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out the {$200.00} loan a few months ago. I mailed by last payment of {$260.00} priority mail on XXXX XXXX it was received into their post office box XXXX XXXX. I had a tracker. They say they cant find it and to wait 14 days. It has been 14 days abd no one will help to find my payment. I have a copy of my money order and priority mail receipt. Please please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Effective today, XXXX, I received an alert that my Transunion Credit score had decreased by XXXX points in less than a week ( from XXXX ... to XXXX ). 

After pulling my Transunion credit report, and after thorough research, I realized that nothing had changed to warrant such a drastic drop. The only changes that had occurred was that I had consistently paid off debt and decreased my utilization rates on credit cards and lowered balances on mortgages, car loans, etc. No closing or opening of credit ... no late or missed payments, no derogatory entries, etc. 

After speaking with a Transunion representative, they couldnt justify any information that would have merited such a credit score drop, yet they dropped my score anyway. My only conclusion is that they are dropping consumers scores in order to benefit their paying customers ( mortgage companies, car dealerships, apartment owners, insurance agencies, etc ) by providing them with the means for overcharging us in regards to increased interest rates. 

We consumers are not Transunions customers ; rather, we are their product ... and as such, they are constantly and continually creating and adjusting their algorithms in an attempt to give their paying customers the ability to overcharge us interest rates unjustly. 

I have done nothing but continued to pay off debt in a timely manner, without creating new debt, yet Transunion chose to reward my diligent and responsible payments by decreasing my score. Why are they allowed to suppress and oppress consumers who are doing the right thing? How can they continue to disenfranchise us by exploiting us? What they are doing is nothing short of unethical and borderline illegal. 

Please consider investigating my complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR 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 2020-04-06
Company: COAST PROFESSIONAL INC
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Currently, I have a loan that has bounced around between a few companies. It was originally with the US through FAFSA. I called and talked to someone on the phone who gave me very limited options. Forbearance and deferment were out of the question. I'm trying to go back to college. Eventually, we reached a settlement, that if I could pay off the debt I would be out of default and be able to go back to college. However, I am unable to pay off the debt in that amount of time and will be unable to attend college again in the summer if I can't somehow get out of default. Forbearance would get me out of default temporarily but wouldn't be enough to attend college and get a degree. If I could do deferment, then I could attend college again. My credit will still be shot but I can move forward in life and better my life with the hopes of getting a higher-paying career that will be able to pay back the debt later.

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 2021-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
On XX/XX/2021, I went to capital XXXX bank to close my CD. I was they can not close my CD I have to call the corporate office. Same day I called and canceled my CD. I was told I will be receiving my check ( over {$200000.00} ) within 10days. After 10days not receiving the check I called they told me to wait few more days. After few more days I called and said it's better to put stop payment on this check because I still haven't gotten my check. Representative said okay will stop payment on this after couple days we will send you a new check. Again after couple days I called, I was told the check is on the way, you will get it in 5 business days. After 5 days not receiving check yet I called again and spoke with the manager he tells me I need to sign the affidavit before they can send me a new check ( I asked why the last representative that I spoke to 5days ago said my check is on the way, but I didn't get the answer for that ). So now I said fine send me the affidavit form and he said he doesn't have the blank affidavit form he needs to ask the back office to send me the email and I should receive the email by end of the day. I didn't receive the email I called next day, and I got the same answer. I called again and again asking them to send me affidavit form in the email, but no luck, so that happened few times again I spoke to the manager and said I have not received my check and you guys are not sending the affidavit form to take proper action, this time I told the manager to call the back office now because I need the affidavit form. Manager said he doesn't have number for back office they can only send email. I finally gave up!! And after few days I get the affidavit form in the post mail which should have been received long time ago in the email. So I filled out the form and emailed to the bank and I get a call from capital one bank that they have received my check but unfortunately they have to wait 95 days before they can send me a new check. I asked the lost check has that been blocked ( stop payment ) the representative response was not sure I believe so. PLEASE HELP I DONT KNOW WHAT TO DO NEXT. NEED THE FUNDS FOR AN INVESTMENT. I DONT WANT TO LOOSE THIS OPPORTUNITY BECAUSE OF CAPITAL ONE BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX, TransUnion, and XXXX credit companies are not complying with their own policies in a timely manner.

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 2021-03-02
Company: CITIBANK, N.A.
State: WA
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:
On XX/XX/2020, MACYS/DSNB add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2022-03-04
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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