BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-28
Company: Selene Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Last week I called Selene Finance to order documents. One requesting an application for assuming the loan, and the second, an updated payoff quote. I understand that the payoff quote may take more time..., but the application for loan assumption should be readily available to email to me. I have someone waiting for the forms, to fill them out, along with his financials, which will qualify him to assume the note. Also, the rear amount owed will be paid. Since Selene Finance wasn't willing to help me bring the account current by approving a modification, despite the fact that I was approved for $ XXXX financial assistance from the XXXX XXXX XXXX XXXX  to help bring the account current, I had to find another option as soon as possible. 

I've had problems previously when requesting documents, due to my loan " status '', which seems unfair and discriminating. I'm trying to resolve this situation as soon as possible, to bring the account current. Time delayed receiving the documents causes more cost incurred on the loan, which appears to be their intent. Please have Selene Finance send the requested documents so I can resolve this issue and bring the account current quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: AL
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate or in error. My personal information, as well as several accounts, have been reported incorrectly, and I believe that these errors are having a negative impact on my credit score. 

The account number and previous addresses reported on my credit report are incorrect. The previous address listed is not my address, and the account number does not correspond to any account that I have ever had. 

Inquiries from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX have reached the statute of limitations and should be removed from my credit report. 

The XXXX XXXX XXXX account listed on my credit report ( account number : XXXX ) is not a business that I recognize, and I request that this account be deleted from my credit report. 

The account information for XXXX XXXX ( account number : XXXXXXXX XXXX XXXX XXXX ( account number : XXXX ), XXXX XXXX ( account number : XXXXXXXX XXXX XXXX  ( account number : XXXX ), and XXXX  ( account number : XXXX ) is questionable, and I request that this information be clarified or deleted from my credit report. 

XXXX XXXX XXXX XXXX account ( account number : XXXX ) is another business that I can not recognize, and I request that this account be deleted from my credit report. 

I believe that these errors are in violation of the Fair Credit Reporting Act, which requires that credit reporting agencies ensure the accuracy and completeness of the information on credit reports. I request that these errors be corrected as soon as possible, and that you provide me with written confirmation of the corrections made. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
My complaint is with Nordstrom card services. I have a Nordstrom Visa card. In the past, I've had late payments so I've been doing better about making on-time payments. Also, the payments I made were larger amounts than usual. The reason was, I had to take my car to get repaired and had planned on using said card. I made a payment of {$450.00} on XX/XX/XXXX. I was taking my car to the dealership the following Tuesday and wanted to ensure that there would be funds available on my card. I called Nordstrom on Mon XX/XX/XXXX at XXXX. Long story short, they told me that my payment was on hold for a week to 20 or so days. When I asked why, they said for suspicion of " Money Laundering '' because that was the second large payment I made in XXXX. I was very offended and asked to speak to a supervisor. The agent I was speaking with put me on hold for about 5 or 10 minutes. I never spoke with a supervisor but the female agent I spoke with came back and said the hold had been removed. I am a single mother, I work p/t and go to school p/t. I am trying really hard to stay on top of my payments. BUT, I feel like this money laundering comment is a form of profiling and it is WRONG. Do I have to worry about this every time I make a larger payment?? After this experience I want to pay them off and close this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Captial One employee agreed to hold account and stop any charges while account access issue resolved. I filed two complaints regarding restoring access, meanwhile they are charging my account contrary to their verbal agreement ( witnesses and ref number of call available ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In XX/XX/1978 XXXX XXXX XXXX and his friends told me that my money was gone and I would have to leave the bank, this was supposed to be a joke, but it wasn't the social security number was changed.theres a savings bonds that my brother brought for me for XXXX dollars, My name is on the front When I returned to work the next day XXXX told me to leave or he would call the police.for years I have been trying to get my money.but i know that I was robbed.XXXX  should have me under XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Their investigation did not fix an error on your report

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 2017-05-03
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My daughter recently,   XX/XX/XXXX  , received an email that said she owed a payment of {$640.00}. She had been in school up until  XXXX    XXXX  , and thought that she had a 6 month grace period to begin payment.  Sallie Mae s aid that she had already used her 6 month period at an earlier date, when she left school, for medical reasons, and then returned. I was under the assumption that payments would not start until 6 months after  XXXX    XXXX  , when her semester ended. I had no idea that there was only 1 grace period allowed and would like to know if that is true, and if so would like to see where it states. This was also the first time that she had seen a email from  Sallie Mae  since  XXXX . She and I went back through all deleted emails and current inbox. We then went to the spam email and there were three other emails in there from  Sallie Mae . If they sent them, and obviously they did, the emails went to spam email. I have also, back in  XXXX , sent a letter to the attorney generals office of NY because of this company not putting payments on the proper loans, and over charging on fees, not allowing me to speak to a manager, rude customer service to young adults, and not helping in any way to avoid default ; saying they had no other options available to her for repayment. Because of this investigation SallieMae had to go back into her accounts and make several changes to my account so forgive me if I dont have the confidence in this company. This company also never, ever, even responded to the sample letter that my daughter sent them from your website. But they did want to know where I got it from though. I want to consolidate these loans, and get rid of  Sallie Mae , but now I think she will have to be up to date on payments with them, but since I thought there was a 6 month grace period, and cant possibly get that amount of money together within the next month ; now wont be able to consolidate either. I honestly still thought I was in a 6 month grace period, that was never ever clearly explained, and as I mentioned would like to see it. Other loans that she has with  XXXX   XXXX  do n't operate that way. And then not receiving the emails or any correspondence through the mail ; she never knew she was falling behind. Why would n't  Sallie Mae , after falling behind, after two months, send correspondence through the mail. It was made very clear in my letter to the Attorney  Generals Office  that I did not want anymore contact with them over the phone because of how rude and condescending they were on the phone. That i preferred email or " snailmail ''. Thoughts and suggestions greatly appreciated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: Experian Information Solutions Inc.
State: MD
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:
I have submitted several disputes to Experian concerning items on my credit report. Each time, even after I re dispute it, it comes back within a couple of weeks stating the collector has certified to them this the item is accurate. I have even sent in disputes by mail asking for the contract of something in my files where this information is accurate. I believe Experian is not a thoroughly investing my disputes, they are just going off the last dispute and closing them right out. 

Ive recently sent them a mailed dispute request on XX/XX/18. I received a response letter ( stall tactic ) from them dated XX/XX/18 not that my request was frivolous but merely that they were not going to investigate the items again. As a consumer, I am entitled to a reasonable investigation if I am disputing inaccurate information on my report. How can they do this and get away with it?! 

The law is very clear in all of the cases XXXX vs XXXX, XXXX vs XXXX and XXXX vs Experian. All of the courts ruled each and every time that the credit Bureau can not literally parrot information from collectors. But instead must perform a reasonable investigation and XXXX is not considered as such.

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Their investigation did not fix an error on your report

Complaint:
Ive pulled my credit report on both your websites, XXXX, XXXX and XXXX have found some inaccurate information that requires removal. 

XXXX # XXXX is reporting on XXXX credit report 60 days late for XX/XX/2022, XX/XX/2022 and XX/XX/2022. For Transunion and XXXX, it is reporting 30 days late for XX/XX/2022, XX/XX/2022 and XX/XX/2022.

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 2023-06-22
Company: Experian Information Solutions Inc.
State: PA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Their investigation did not fix an error on your report

Complaint:
Transunion and US DEPARTMENT OF EDUCATION continues to willfully neglect and be willfully non compliant with removing my non public personal information from my Consumer Files They are in violation of FCRA privacy laws 1681a2, 1681b 2, 1681 ( 4 ), Family Educational Rights and Privacy Act, and the Privacy Act of 1974 20 USC 1232g 34 CFR 99 5 USC 552a Reaging is an illegal act due to FCRA 623 ( 5 ) ( A ) Also in violation of 18USC 1028 Also Transactions and experiences are excluded from Consumer Files without the Natural Person Consumer written permissible purpose These inaccurate unauthorized fraudulent identity theft are preventing my personal and business credit growth : Us Department of ED Account # s 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 2017-05-03
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off a  XXXX  's credit card through a debt consolidation plan called  XXXX   XXXX  on  XXXX    XXXX  .  XXXX  brought a " ghost '' debt in  XXXX    XXXX  . I have sent them and  XXXX  documentation proving that this debt was paid to no avail. The account number are almost identical but  XXXX .  XXXX  's account has an extra zero.  XXXX  will not remove this debt from my credit report despite writing several letters including a statement from my debt consolidation plan.     Attached is a statement from my debt consolidation plan.     What else can I do?     I can be reached at  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 2017-12-19
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I contacted XXXX XXXX because I am going through a financial hardship. I asked them to settlement on this amount owed before I am not able to pay for it. The representative told me over the phone WE HAVE NO SETTLEMENTS TO OFFER YOU. I told the representative that I am reaching to them first before it gets too bad. But they were no help at all.

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 2023-01-24
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I was a member with XXXX XXXX and had two mortgages with them. Last year they sold our mortgages to our new provider Mr. Cooper, whom I have the issue with. Mr. Cooper has been charging me fees on my mortgage with no definition or purpose, and there is no way to see what the fee is for. When I reached out to Mr. Cooper last summer, they said there was one fee applied to my account for a payment I " missed '' in XXXX. I never missed a payment, but my payment got returned for non-sufficient funds which I promptly paid in full two days later when I returned home from a XXXX It was paid in full by the 8th, and no missed payment had ever been noted on my account. Looking into your definition for late fees, considering Mr. Cooper wasn't even the mortgage provider at the time, I do not believe they have the right to be charging me fees for this. Also, I will check my statement month by month to consistently see random undefined fees that I have no way of knowing what I am being charged for, where they are originating from, or why I am being penalized as I am an XXXXXXXX XXXX officer and am required to pay on-time all the time or I risk losing my clearance and my job. Mr. Cooper is a predatory service, and is taking advantage of us with no method of appeals.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: GLA Collection Company, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
this company PROMISED to take my name off there list ..they keep calling and harassing my pre-paid cellphone i just bought  XXXX  weeks ago for baseball for my son.   They are wasting my minutes by calling for someone that does n't exist.   They call many times a day and keep leaving message 's which runs down my minutes.   I have told them wrong number and they continue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Several times a year I get notified by Chase that they can't access my credit report to authorize my XXXX XXXX XXXX because my reporting agency is frozen. It is frozen because they tried to issue a fraudulent card in the past. I can't get them to quit accepting applications in my name. I will never do business with Chase resulting from this issue, ever! 

They keep telling me they can only send me those notices because they would be preventing anyone else with my name from applying. I'm the only one in XXXX CO.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is  XXXX  live en    XXXX   XXXX    PR, Morgage complaint to  Banco Popular  PR and Loss Mitigation and the lawyer for  Banco Popular  PR send all documents in  XXXX  and    XXXX   XXXX     aprov  modification and the lawyer he said no send me documents for pay trial period because pay your fee {$18000.00} and montly pay more expensive fee, I explain my situation loss mitigation and retruture to {$1300.00} fee lawyer, the issue is in   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  De  XXXX  explain a complaint and solution two parts and the bank fair resolucion for complete trial period and modification aprov for FHA HUD, Bank  of Popular  PR Dual Tracking process in same time, aprov modification loss mitigation and Fourclures in  XXXX    XXXX   XXXX  , my phone  XXXX  in  XXXX  call me

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 2019-07-16
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
In2018Iopenedapaypalaccount.MyemailaddressisXXXX.ImadeafewpurchasesontheypaypalaccountwhichIpaidmonthly.HoweverinXXXXIgotacallfrompaypalonwhichtheladyinformedmethatmypaymentwasmissing.Isaidthat'simpossiblemyaccountshouldbepaidoff.Shesaidyouhavea{$700.00}balanceIsaidnoshesaidwhatisyouremailIwentaheadtoverifymyemail.ShesaidnotitsXXXX,sheverifiedmylast4ofmysocial.Iexplaineditwasnotmyemailaddress.Shesaidtheywoulddosomeinvestigationandgetbacktome.SolastweekIgotacalllastweekmyaccountispastdueIwasIsaidimpossible.SheinformedmethatIshouldmakeapaymentbeforeThursday.Iwaspuzzled.TodayIreceivedacollectionletterfromXXXXstartingtheyarewillingtosettlemyaccountandthebalancewasXXXX.Withasettlementbalance.IcalledXXXXandshesaidtheverysameemailasmentionedearlier.Idon'tknowwhoemailitis,andcertainlynotmine.Thespellingofmynameiscorrectandaddress.ItriedreachingourtoPayPalreportthisfraudonmyaccount.Ineedhelpinresolvingthissituation.Thisisfraudagainstmysocialsecuritynumberandmycredit.

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