BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-08
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
We were scheduled to close today XXXX XX/XX/21 XXXX. The title company 's notary showed up with an outdated closing disclosure XXXX CD ) that was dated XX/XX/21 ( the most recent advance copy we had received was dated XX/XX/21 and all parties agreed to it XXXX. We told the notary we would not sign the incorrect paperwork. Then the notary said he possibly received an updated CD on the drive over. He checked his email and said he did receive updated paperwork, but would need about an hour to go and print new closing documents. He came back with a CD that was still different than the CD agreed upon between us and Freedom Mortgage. Specifically, this new CD had us owing MORE money at closing without anybody from Freedom Mortgage ever contacting us about that. In fact, I have an email from Freedom Mortgage at XXXX XXXX  today verifying the cash at closing would be {$1700.00} XXXX yet it somehow increased XXXX. Even if we wanted to pay the extra money the bank was closed, and we already had a cashier 's check for the amount Freedom Mortgage verified earlier today. We were forced to either walk away or feel pressured to agree to the new loan terms at the time of signing. We refused to sign the closing documents at tonight 's second offering.

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 2023-05-10
Company: VYSTAR CREDIT UNION
State: FL
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:
Name - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in Dire Violation of The Fair Credit Reporting Act ( Vystar Mortgage Acct Number XXXX ), has violated several of my rights. 

15 U.S.C. 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C. 1666B : A creditor may not a treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.

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 2023-06-14
Company: DISCOVER BANK
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am a cosigner for a private student loan now being handled by Discover. The Account Number is XXXX. These three loans, XXXX, XXXX, and XXXX were taken out approximately 15 years ago. The total three loan balance payoff is {$18000.00}, which I confirmed with XXXX on a XX/XX/XXXX phone conversation. The principal balance of the three loans is {$7000.00}. The amount paid on the loans to date is {$25000.00}, far more than the original amount of the loans. I can't get an accurate history because the loans have been sold multiple times. What is extremely disturbing is that the interest on the loans is {$17000.00}. My daughter took these loans 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  She was very ill and unable to care for herself. With the loss of income she sustained, she was forced to file Bankruptcy, and was recently facing eviction from her apartment. She has just started working again, and is unable to pay this amount every month. I am now retired and receive social security. I asked to possibly negotiate a settlement, but was told that is not an option. Discover has temporary payment assistance and consolidation, but those options just add to her existing balance, which if you look at the paperwork, she will be repaying {$26000.00} on a {$10000.00} loan now at 13 %. That's just on one of the loans. How does the government justify allowing banks to take outrageous amounts of money in interest from people struggling. {$17000.00} in interest after already paying {$11000.00}. This is sickening. This woman worked on a XXXX XXXX XXXX for a year and a half, despite the fact that she is a XXXX XXXX with a XXXX XXXX XXXX. She was also a XXXX  on an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXShe 's in debt up to her ears for chosing this profession. There should be some kind of regulation on banks with regard to private student loans.This is terrible that banks are allowed to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-04-21
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: Account information incorrect

Complaint:
Hi there, I noticed that unfair credit practices happened with XXXX and TransUnion. I have been working to pay debt off in order to have a better credit score so I may be able to have low interest rate on a car and to also be able to have housing in a good area for my children. For the last 2 years I have been poring off debt and notice a descripency in the points that are added into my account. Because of this my credit has stayed in poor status causing me to be in areas unsafe for my children due to being denied housing due to low credit score. I recently paid off a credit card by {$240.00} dollars of a XXXX dollar limit and was only given 7 points for paying credit off. Months ago they gave me XXXX points just for paying down credit card by {$120.00} dollars. It looks like an unfair practice for me to have minimum debt and a low credit score. Please help in the ensuring fair practices are happening.

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 2021-08-20
Company: TD BANK US HOLDING COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This complaint is in regards to my previous complaint # XXXX. Not only do I NOT agree with the response from Target, I have since been advised by Target directly that their company was in error. On XX/XX/2021, I spoke to a representative, who I believe the name was Ukarie ( hard to understand ) and Supervisor named XXXX for 45 mins reviewing the account. It was at that time, that XXXX advised me that the representative I previously spoke in regards to waiving my payment was in the wrong and told me the incorrect information. They were not offering any COVID assitance at that time, but the representative advised that my payment would be waived, and I would not have a payment due until XXXX. Again, Target has openly admitted to the error, and still refuses to correct it. If I had not been mislead to believing that the payment would be waived, the payment would of been made. I never recvied a statement via mail or email as Target has claimed, nor did I receive a courtsey call, or message stating that I had an overdue payment. Again, I paid the account as i had agreed to when I requested the assistance. As this error has been admitted by Target itself, it needs to be corrected as they are misleading their consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT NEED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 2023-05-10
Company: Block, Inc.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I reserved XXXX  XXXX property In Florida the day I was to check in I had a death in the family. I requested a refund it was sent. I have proof it was sent to my bank. They will not release the funds back into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am reaching out for assistance with a payment made to Navient. 

A payment was initiated by XXXX XXXX on XX/XX/18 to Navient electronically. The payment was in the amount of {$4200.00} which was to payoff my final Navient loan. On XX/XX/XXXX, I realized that my payment had not posted and it was then discovered that the account number was one digit incorrect. 

At this time, I contacted Navient. I spoke with a CSR who informed me that I needed to send proof of payment through my online account and they would reroute the payment to the correct account. I was given a 7-14 business day resolution time-frame with it being complete on XX/XX/18. 

On XX/XX/18, my payment still had not posted so I called again. The CSR at first stated that they still had my payment and that I would need to wait 10-14 business days for it to post. I had already waited that time so I pressed about it being a high priority. She placed me on hold and then said that the payment had actually been sent back to the bank on XX/XX/18. She can not give me the bank name, routing, account, reference number, trace number, etc. As of today, XXXX hasnt received the refund. The Navient CSR gave a 7-14 business day window to get the payment back. An electronic payment does not take 7-14 business days. I need assistance tracking this money down so I can payoff my loan. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I have called the company, XXXX XXXX, on XXXX XXXX. i spoke to a representative who informed me an overage in my account could not be credited to me so the entire mortgage payment would be credited back to me then I would need to pay the mortgage amount without the overage. this did not happen. The mortgage payment was not credited to my account. 
On XX/XX/XXXX I contacted the company to inform them i want my escrow account fully refunded to me. they asked for proof which was provided within hours. 
no action has occurred. 
I have spoken to a manager who says within the next 2 weeks I will hear about the resolution of this issue. I dealing with this company they have lied to me on multiple interactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 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 2023-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
Company has charged off on account. Income IRS, XXXX etc states income isnt included on a credit report. Charge offs are taxable which means its income. I have not received a 1099 from company and will be reporting that to the irs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Affidavit of Truth 1. Notice to all, I, am that I am, the consumer, in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name/middle XXXX, XXXX XXXX, and XXXX have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX XXXX, and autograph as the agent XXXX attorney, in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make a solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : 2. Fact, the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system, so be it, and ; 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached, so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives, therefore, of, and /or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted commerce, so be it, and ; 5. Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; 6. Fact, the affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that is in violation of 1681i 7. Fact, the affiant is aware and has proof in the attachment labeled as Exhibit B that is in violation of 1681a Thank you for your time.

I swear to all information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, and accurate to the best of my ability and knowledge, so be it ; I do not accept this offer to contract. 

I do not consent to these proceedings. 

I do require subrogation of the bond to settle the charges.

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 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Regarding : Account No XXXX XXXXXXXX Account Name : XXXX XXXX XXXX  Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the Child Support court as the furnisher that's forgery and misleading when the courts don't report this type of account. 

Its also violation of permissible purposes. So they also need direct written consent from me XXXX XXXX XXXX to report anything on my credit report. So without my direct written consent of reporting child support thats on my credit profile is in violation of my rights.

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 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Account name # : XXXX XXXX XXXX # XXXX Balance : {$1500.00} Date : XX/XX/2020 Account name : XXXX XXXX date : XXXX XXXX Account name : XXXX XXXX XXXX has violated my rights 15 U.S C 1681 section 602 A. States I have the nght to privacy 15 U.S.C 1681 Section 604 ASection 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 ) Aperson shall not furnish any information relating to a consumer to any consumer reporting agency fi 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 2022-12-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX, # XXXX, and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

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 2022-07-05
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX is not my address

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 2023-05-10
Company: BANK OF HAWAII CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Bank of Hawaii was charging an inactivity fee of $ XXXX/month for XXXX  months draining my account of the majority of funds. I called and asked for the account to be reactivated and for fees to be waived. I was told to send a check to reactivate my account and they will waive the fees. The check was deposited and the account was reactivated but the fees were never waived. The $ XXXX/month fee on the balance of ~ {$80.00} ( at the start of these charges ) amounted to an annualized interest rate of 75 %. Not only this is unfair to me as a consumer but extreme.

Company response to consumer: Closed with monetary relief