BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 HAVE BEEN A VICTIM OF IDENTITY THEFT FOR QUITE SOME TIME NOW. I HAVE UNAUTHORIZED INQUIRIES THAT NEED TO BE REMOVED. PLEASE HELP ME WITH THIS MATTER. I'VE BEEN FIGHTING FOR SOME TIME NOW. I HAVE HAD A AUTO LOAN FOR 9-10 YEARS. 

XXXX XXXX  Installment Loans XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-11-11
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Co-signer

Complaint:
They keep calling me they need to call my daughter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-11
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:
I, XXXX XXXX, a federally protected consumer exercised my rights per the Fair Credit Reporting Act and the Fair Debt Collection Act by submitting a dispute to Experian on XX/XX/2022 via the Experian XXXX XXXX dispute center. Experian responded on XX/XX/2022 that the dispute was received and could take upto 30 days for completion. Experian also ensured that all investigation results would be shared with me at the end of the investigation by Experian as well as the creditors which are XXXX XXXX XXXX and XXXX XXXX XXXX On XX/XX/2022 Experian contacted me via email and the online Experian dispute center to inform me that my dispute investigation had been completed as of XX/XX/2022. Experian failed to ensure a thorough investigation because Experian, XXXX, and XXXX are all reporting incomplete, inconsistent, and inaccurate information in regard to both disputed accounts as of XX/XX/2022. Experian claims to have conducted an investigation yet I have not received any debt validation results that would support permissible purpose for these accounts being furnished by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and also no permissible purpose for the reporting of incomplete, inconsistent, unauthorized, and inaccurate information to my Experian consumer report. This is a clear example of experians willfully noncompliance and negligence to rectifying my affairs. This is a violation of 16 USC 1692 and 15 USC 1681b. If experian is claiming to have investigated yet I can not determine between experian, XXXX, or XXXX who is housing accurate consumer information then accounts must be deleted immediately. Also, the creditors of the above-mentioned accounts have failed to provide debt validation within 30 days of receiving the dispute request thus these accounts must be deleted/ permanetly removed immediately upon receipt of this complaint.

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 2021-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX, I saw the promotion called BONUSXXXX ( XXXX  : XXXX ) and I decided to open a checking account. However when I opened the first account ending in XXXX I realized that in order to qualify for the promo, I had to use the promo code BONUSXXXX, I then decided to open a second account immediately, the same day, this time using the promo code, this account end is XXXX. 

When contacting Capital One customer service by phone, I was told that, that I might not qualified for the promo because the regulations say that If you have or had an open XXXX Checking account as a primary or secondary account holder with Capital One on or after XX/XX/XXXX, you will be ineligible for the bonus. But I never had an account with Capital One until XX/XX/XXXX when I tried opening the account due to the advertising of the promo BONUSXXXX. 

I called Capital One customer service on XX/XX/XXXX, and I was told that a manual exception is possible if I call on XX/XX/XXXX, to request this exception and explain my situation. I faxed Capital One Customer Service on XX/XX/XXXX at XXXX, find attached the letter that was faxed, without receiving any writing response. 

I called Customer Service one week before XX/XX/XXXX, and now I was told that even do I did the XXXX XXXX direct deposits totaling {$1000.00} or more to my XXXX Checking account within 60 days of account opening, it seems to be that the deposits were originated from Capital One and not the other way around. This information was never told to me on XX/XX/XXXX, the first time I called when the customer service representative told me everything was ok, that I only needed to call on XX/XX/XXXX for the manual exception to be applied, and I never received a response to the faxed sent on XX/XX/XXXX. 

It seems to me that I am being a victim of false advertising, in which Capital One is trying every way to not honor the advertising regarding BONUSXXXX. I tried every reasonable way to contact Capital One, however, I was ignored and when finally trying to get what was promised now I am been told that I don't qualify.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: NY
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:
As of XX/XX/2023 Ive notice this fraudulent account XXXX Amount owed XXXX $ this is a list below of fraudulent inquiries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: STATE BANKSHARES, INC.
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
We are reaching out because we recently tried to sell our house and discovered that there were two partial claims totaling about {$50000.00} that we did not remember agreeing to and we were unaware was being processed through FHA not our lender. We thought we were accepting a loan modification without a partial claim, and when we signed the paperwork for the second partial claim in XXXX of XXXX we were told by a representative of our lender that it was some paperwork needed for the first partial claim we got back in XX/XX/XXXX, not an entirely new partial claim. Because of the partial claims, our house is worth less than what we owe on it, and we attempted to pursue a short sale of the property however because the partial claims were through FHA rather than with Bell Bank we were unable to do a short sale. We are now looking at foreclosure being we can no longer afford the house and with two liens/claims on the house we can not make a profit, break even or do a short sale. I am also including a communication with Bell Bank as we had reached out to them prior to accepting an offer on our house as we were unsure fully what we owed on the house and wanted clarification. As you will see in the email we were told we owe nothing other than the mortgage balance on the house which is {$140000.00}, we were also told this in phone conversation with a rep with our lender. This was highly inaccurate information they gave us which led us to taking an offer on the house that fell short of what we actually owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, 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 belongs to someone else

Complaint:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent letters out to the credit bureaus XXXX Experian and XXXX XXXX on XX/XX/2022 letting them know that the courts have not verified this alleged bankruptcy needs to be removed immediately, this is damaging my credit profile. I received a letter from my local courthouse stating that this information is not and was not verified. I will attach this letter.

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 2023-02-03
Company: LAKEVIEW LOAN SERVICING, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I believe the company I pay my mortgage to, Lakeview Loan Servicing, is in violation of federal law. 

Lakeview Loan Servicing , LLC XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX I called XXXX in XXXX because I saw that my escrow account had a balance of {$1600.00} at the end of XXXX after they had already finished paying my XXXX homeowners insurance and my XXXX XXXX XXXX XXXX XXXX. I asked if any of that would be returned to me. The rep said that the company does an escrow analysis of all accounts in XXXX and should there be an excess, they would issue refund checks. 

Having not received any refund, I logged in and looked at my account. Their analysis showed that due to a $ XXXX increase in my insurance and my taxes that, actually, instead of a surplus they concluded that I had a shortfall of {$600.00}. And so, rather than increase my monthly payment by, $ XXXX ( the actual amount of my rising insurance premium and property tax ), or rather than a monthly increase of {$50.00} that would cover their own calculated XXXX annual shortfall amount, they are instead increasing my payment by $ XXXX starting on XX/XX/XXXX! Any increase would seem unwarranted as I pointed out that my end-of-year balance was {$1600.00}, more than enough to cover the {$600.00} increase. That made no difference they said. 

I asked them to explain their bewildering ( to me ) calculations and was told that my minimum escrow cushion is four times the new expected monthly disbursement ( {$560.00} for XXXX ), hence my {$1600.00} surplus was insufficient to cover {$560.00} times 4, or {$2200.00}. 

This would appear, to me, to be against federal law, which limits the escrow cushion to two months, one-sixth ( 1/6 ) year, of the estimated total annual payments from the account. 

From the Consumer Financial Protection website : https : //www.consumerfinance.gov/rules-policy/regulations/1024/versions/17/ 1024.17 ( c ) ( 1 ) ( ii ) ( ii ) Charges during the life of the escrow account. Throughout the life of an escrow account, the servicer may charge the borrower a monthly sum equal to one-twelfth ( 1/12 ) of the total annual escrow payments which the servicer reasonably anticipates paying from the account. In addition, the servicer may add an amount to maintain a cushion no greater than one-sixth ( 1/6 ) of the estimated total annual payments from the account. However, if a servicer determines through an escrow account analysis that there is a shortage or deficiency, the servicer may require the borrower to pay additional deposits to make up the shortage or eliminate the deficiency, subject to the limitations set forth in 1024.17 ( f ).

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 2023-01-26
Company: EQUIFAX, INC.
State: CA
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 FCRA Laws The Credit Reporting Agencies XXXX, Equifax XXXX XXXX XXXX and all the Creditors that are listed on the credit reports where I made my dispute remarks are uploaded for your convenience, have Violated my FCRA Rights 15 U.S.C. 1681 section 602 A. - 15 U.S.C. 1681 section 604 A sec # 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 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 2022-10-27
Company: Terrill Outsourcing Group
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Superlative RM continuously calls this number using abusive language, and making threats. When I asked to speak to a manager I was handed off to someone next to the caller and not management. While trying to find out what the debt is in regards to the representatives are evasive, untruthful, and abusive in language. I have no contract with this company. I don't know who is actually calling me. I have never done business with this organization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: First Technology Federal Credit Union
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/24, I paid First Tech the pass due amount of {$570.00}. My logon on that date per their website sign on trail confirms that. I received an auto text from First Tech verifying I was active on their website that day. At first I went on to change external bank account to make a payment ... but their system kept rejecting with several error codes, so I called. Per customer service Rep XXXX, told to try again later. I since decided to go back on and pay with my past bank account that were already on file. It was not until day 35 or so, another rep from First tech, made me aware by calling my cell phone that I was over 30 days late. I explained this ... she told me that they will evaluate and get back in touch. No one have since. I was not late on this payment ... they obviously were having system issues out of my control, that I didnt know will effect my payment history. I have perfect credit and this is a impact on it now. Showing 30 days late. Please can someone help me as First tech isn't honoring they were having system issues on that date.I trusted their website with submitting my payment, but it failed me. I was never pass 30 days. 

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 2022-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
Account name : XXXXXXXX XXXX XXXX XXXX XXXX Account number : XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX  Account number : XXXX, Account name : XXXX  XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX  XXXX Account number : XXXX, Account name : XXXX  Account number : XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account Name : XXXX Account XXXX : XXXX, Account name : XXXX XXXX Account number : XXXX, & Account name : XXXX XXXX Account number : 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 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
Consumer complaint received 2023-09-28
Company: CL Holdings LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is from a phone company of XXXX, they sold a phone that was outdated to began with ( without 5G ), I paid this company for the monthly bill of over {$70.00} a month ( take a look at my credit cards for those charges ) for 11 months, but was never able to even connect to the internet ( photos have been sent to the company, XXXX of phone saying " NO INTERNET CONNECTION '' ; as well as the Missouri Attorney General ). They claim I was under a contract and liable to pay, but the phone sold was out of date ( NOT A 5 G ), and would NOT connect to the internet. They claim I owe them {$170.00} in which I will NOT pay for a service NOT rendered. This phone company left me in below zero temps without phone service and NO heater in my auto. I owe them nothing ; they owe $ $ $ $ $ thousands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I settled out a collection account, as settled in full, and it is still appear on my credit reports. It does not show that they were settled or anything. They appear on my XXXX  and on my Experian Credit Reports.

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 2019-07-23
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I used a telephone in a break room to make a telephone payment to XXXX XXXX XXXX, ( XXX ) XXXX, and the collection department ( Comenity Bank ) has now made repeated calls and provided information to parties NOT related to me about my account being past due. This is a break room frequented by several people in located in the city hall!! I did not provide this number as a contact telephone number nor did I authorize the release of my account information to third parties!! 

Recent calls made on to the break room : XX/XX/2019 from XXXX XXXX XXXX XXXX @ XXXX XX/XX/2019 from XXXX XXXX XXXX XXXX @ XXXX XX/XX/2019 from XXXX XXXX XXXX XXXX @ XXXX XX/XX/2019 from XXXX XXXX XXXX XXXX @ XXXX ( message left w/unrelated person ) XX/XX/2019 from XXXX XXXX XXXX XXXX @ XXXX XX/XX/2019 from XXXX XXXX XXXX XXXX @ XXXX XX/XX/2019 from UNKNOWN @ XXXX This does not include the multiple calls made to my home telephone number!!

Company response to consumer: Closed with monetary relief