BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This month XX/XX/2022 transunion reported my credit score and they reduced it by XXXX points. I have paid everything in time. I have called three times asking them to explain to me what information did they receive or use to determine my score and reduce my score by XXXX points in one month. The other two reporting agencies did not report my credit score dripping XXXX points. I have the right to know what information they received to arrive at such a harmful impact to me personally. I can not get anyone at transunion including a manager and two supervisors that can provide me with the exact information or data they based their reporting on. I feel this is incorrect and critically damaging to me and I can not get an explanation from transunion. In fact they refuse to help me with this reporting problem. By them reporting my score dropping almost XXXX points in one month they have critically damaged me as it has prevented me from getting safe housing and caused landlords and property management companies to require exorbitant deposit amounts. I demand an explanation and proof of the data they used to base their decision to report my score dropping substantially. In my attachments you will see capital one raised my credit limit which should be a positive event because it shows I am paying as agreed. Another attachment reflects my credit utilization is at 20 % which is well below industry standard as it pertains to calculating credit scores at 30 %. There is no reason transunion should have reported my score down almost XXXX points. Transunion has massively harmed me personally and it is criminal in my opinion.

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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2020-04-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on a loan for my house in XXXX of 2006 with XXXX XXXX XXXX XXXX at {$650.00} a month ( 30 year variable ). I had also closed on a secondary mortgage for the property with XXXX XXXX  XXXX at {$210.00} a month ( 30 year fixed ) After settling a class action lawsuit for discriminatory higher lending rates to minorities ( I was recipient ) ; XXXX  XXXX eventually sold my loan to XXXX  XXXX XXXX. XXXX XXXX XXXX adjusted my monthly payment to the amount of {$650.00} and serviced my loan ; but eventually tried to coerce me into making an escrow payment for hazard insurance as well ( XXXX XXXX XXXX ). I refused to make the extra hazard property insurance payment, ( I already was paying it on my own to XXXX XXXX XXXX ) but I did continue to make the mortgage payments. 
A class action lawsuit was filed against XXXX  XXXX XXXX for the hazard insurance being forced upon many customers. XXXX  XXXX XXXX did settle the lawsuit based on terms that I myself did not endorse, and they made no effort to re-adjust my loan. XXXX   XXXX XXXX did sale my loan to Select Portfolio Services before the settlement payments were issued to the customers. Select Portfolio Services paid the lawsuit amount, but has only sought to collect certain amount of the unlawful hazard escrow, and has continually charged me late fees as well as excess high interest rates on my loan. I think it's because I refuse to pay on the bogus forced insurance and I only pay the mortgage amount. 
I have never fell behind 1 month on mortgage. I have payed off the secondary mortgage, and no longer owe XXXX XXXX  anything. I only owe the first mortgage now, but I am being coerced by many letters and phone calls and bad credit reports from Select Portfolio to extort excessive payment from me. My mortgage interest rates are already far too high above prime lending rates ( it's over 7.5 %! ) Yet they raised my mortgage payment to over {$700.00} a month now, and they also want me to pay that unnecessary insurance. 
Select Portfolio Servicing has sabotaged my mortgage and has caused error on my credit rating with their unlawful activity. As of lately, I refuse to pay more than {$650.00} on my mortgage because I feel abused by this activity on my mortgage by Select Portfolio Services ... Again ; I have never fell behind, not even one month 's payment on any history of the home loan since it started in XX/XX/2006!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Tried to increase a HELOC amount from $ XXXX to $ XXXX to buffer our remodel and pay off some other debt, but the lender, citizens bank never got back to me until I responded with an email on ( applied in XX/XX/XXXX ) XX/XX/XXXX. I was denied. Filed another application with my husband on XX/XX/XXXX, never heard back until XXXX. So now Ive gotten a few more credit checks and had adversely affected my credit score. Were in the middle of our remodel and now living in temporary housing with our rent being XXXX a month. I begin to look for other banks hoping to find an additional XXXX to cover us. More credit checks. Which affects my score. 

At this point, weve got about {$12000.00} to finish our job. The bank then suspends the XXXX saying that were unable to pay for financial reasons. Plus they had pulled another credit report. Weve been paying our loan as required. 

Went to the bank to see if anythings could be done, but nothing. We had to submit a request form for the $ XXXX. 

We dont and can not live in our apartment until this remodel is completed. 

So were going to be homeless and have a useless $ XXXX apartment sitting there empty. 

Help us

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My husband and I signed a 12 month finance contract, which stated that there would be no balance due until the items ( furniture ), were delivered. On our receipt, contract it specifically states " Balance due before delivery XXXX '' at the bottom. Now, our furniture was delivered on XX/XX/XXXX, and I have provided Comenity with that information along with a copy of the receipt that states the contract. 
Unfortunately, instead of ending my promo 12 months from the date of delivery, Comenity has chosen to end my promo on XX/XX/XXXX, and they have imposed fees. Now, we paid our bill in full around {$1800.00}, on XX/XX/XXXX, which was less than 12 months from the date of delivery, per our contract. We have sent Comenity the delivery information and receipt of contract, and they have told us that they chose XX/XX/XXXX, as that was placed on our bills. The issue is XX/XX/XXXX is a date of no importance, per contract, as no one received anything until XX/XX/XXXX. 

They have told us that they do not need to go by our contract, but only what was listed on our last few months bills. There was no contract modification that we agreed to beyond our initial contract that we signed at the store. I don't understand why they get to not honor the contract because they decided not to, and also they did not provide us with any rationale as to why ( on what legal grounds ) they had to select the XX/XX/XXXX date to end our 12 month promo. They didn't provide us with 12 months, they gave us 11 and some days, which is against our contract. Is this legal? Can they change the rules of my contract at will without my signature or agreement?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Navient Solutions, LLC.
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: Problem with personal statement of dispute

Complaint:
For many years I have attempted to dispute this fraudulent account and I have been declined and deprived of it being taken off my credit I have no knowledge of this account I have never had any access to the account and I have asked for it to be removed off my credit I have lost all opportunities to gain credit lines and or incentives that comes along with a positive credit line I am struggling and experiencing severe financial hardship due to this being on my credit I am formally she can count and ask him dropped is be removed I am not the owner of the account I have no knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2021-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated. 
Chapter XXXX Bankruptcy XXXX This account is not mine. I WENT TO THE COURT FOR VERIFICATION OF INFORMATION BELLOW. YOU CAN SEE THE LETTER I HAVE GOT FROM THE COURT, its been attached to this letter. 
This account was not verified in court. VERIFICATION means COFIRMING SOMETHING TO BE TRUE. THE ACCOUNT YOU HAVE BEEN LISTED ON MY REPORT WAS NOT VERIFIED. According to FCRA it is clear violation. 
You must remove this account Immediately. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

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 2023-08-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: FIRST NATIONAL BANK OF OMAHA
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened up a new account with XXXX  which is associated with FNBO Direct where I also have an account. Soon after I opened up the account they restricted my access to my funds and did not notify me. I only noticed when I logged in and it stated my account was restricted. They do not have anyone available to speak with and you have to use chat where they get back to you in 2-3 business days. 

They have not responded to why my account funds are frozen. They came from a bank they are affiliated with and I have had for years, FNBO Direct. 

This bank seems like a scam and should be shut down.

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 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I was tricked into paying a monthly change to Transunion starting in XX/XX/2000. I received no goods or services for this money. My exact situation is described in this CFPB article : https : //www.consumerfinance.govXXXX I assume this is from trying to get my free credit report, as this started at the same time I arranged for actual credit monitoring from XXXX. XXXX has a free version that sends me emails regarding my credit score. The paid version of Transunion I allegedly had sent me no emails, I presume to avoid telling me I was paying them. 
All their toll free numbers divert to a text exchange, where an entity claiming to be human tells me how important I am to them and eventually drops the exchange. When I called and yelled Agent! Human! instead of responding to the menu, I got someone on the phone. I explained the problem, he said he would transfer me to someone, and to call a number if the call was dropped. 
Will that send me to the same answering system? 
Yes. 
Would that take an hour to get someone like you who cant help? No straight answer. 
A few days later I got someone on the phone again, and told them I needed to access my account to use the services, without mentioning I was getting ripped off or wanted the charges to stop. This time he got me into my account online, so I dropped the service. 
I want my money back! Thats 40 months, a XXXX dollars. I dont believe dealing with their system will get me results. 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 monetary relief
Consumer complaint received 2021-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, It all happened on XX/XX/2019, I was buying and selling bitcoins via XXXX, the bank where I was getting paid every time I sell the XXXX  was a debit card ( Capital one 360 ) but they paid me via XXXX to that account. after like a week of selling I found that my account was block and the money in that account was freeze, I called the bank to find out what was going on and they said that I will get a call from the fraud department. 

After two days they call me and ask some questions about the account I couldn't hear pretty well because I was working, It was loud where I was located. I decided to called them back after and that is when they told me that some folk dispute some money that I got via XXXX. 

I explain them that it was a payment from XXXX  that I sell to him they just didn't hear me at treat me like fraud, I told them I had proof and everything to show them that I was not a fraud and that my money was getting stole, they just did not hear me and decided to send the money back at least that's what they said to me. 

I found out they report me to the Credit bureaus and I just didn't know what to do at the time until know, please help me with this matter I still have proof and everything you may need to show that I am not fraud, they took my money when I really need it in that moment, They just did not protect me and pretty much help the thieves get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, 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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulte from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUC consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEI to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of tI accounts listed IMMEDIATELY! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX & XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus

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 2023-09-15
Company: TRUIST FINANCIAL CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought a car in XXXX from XXXX XXXX for {$26000.00} my interest rate was 18.95 % the car should have cost me {$46000.00}. Payments of {$620.00} a month for 72 months with Regional Acceptance Corp. 

Now I have had financial difficulties in the last 8 years and do admit with getting extensions and late payment for the last 8 years of paying for my car. I even filed bankruptcy 2 times. 
However I still paid {$51000.00} to Regional in the last 8 years, of that {$51000.00} only {$9500.00} went to the principal of the car, {$31000.00} went straight to interest and {$4800.00} went for late and other fees. Now they are stating I still over {$19000.00} on the car. 
That would mean I paying almost {$71000.00} for a {$30000.00} car that is only worth {$5000.00}. 
attached are all the documents. 
This car should be paid in full. Please help. This company took all the money for interest and never paid anything for my car. Even making a {$1200.00} payment after bankruptcy on XXXX it went all to the interest.

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 2022-05-13
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home in XX/XX/XXXX. At the time, the mortgage escrow account was funded so as to cover the supplemental tax bill that was expected. The mortgage was subsequently sold to BSI Financial. When I received the Supplemental Tax Bill in XXXX, I submitted it to BSI via their website. I subsequently followed up several times and heard nothing back from BSI until XX/XX/XXXX. By that time, the first payment due date on the taxes had passed and I had incurred a late fee of {$230.00} ( 10 % ). The representative on the phone ( who called me ) gave me a new email address to which I needed to submit the bill. I emailed it to them that same day. I heard nothing back. I subsequently followed up several more times with no reply. I called them today ( XX/XX/XXXX ) and was advised that my request to pay the supplemental taxes from the ( ample ) escrow account had been denied, and that I may get a refund at my next escrow analysis in XXXX. In the meantime, I will be forced to pay the property taxes in order to avoid a second late fee charge. 

I believe that this company is deliberately dragging its feet and denying a perfectly valid claim in order to profit from having my escrow balance be excessively high for as long as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 90 ) days late and reporting a past due amount of {$11000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had a payment plan in place and before I made the first scheduled payment XXXX came and took possession of the vehicle. The vehicle was then sold at auction. I was never notified of any amount due after the auction. This account needs to report a {$0.00} balance and {$0.00} past due. This false reporting is seriously harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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