BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-16
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have two loans managed by XXXX XXXX XXXX. During my divorce ( XX/XX/XXXX-XX/XX/XXXX ) I once was unable to maintain sufficient balance in my account to make my monthly payments ( XX/XX/XXXX). My loans were on autopay, and after three failed attempts to pay they cancelled my auto pay. I have since been able to make my payments, but XXXX XXXX XXXX refuses to allow me to resume auto pay for these loans. This results in late payments when I accidentally am not timely enough to recall to make these payments manually. 

I feel that their refusal to allow me to resume using autopay is a strategy to increase their fees and interest earned from loan holders whom they've identified as struggling to manage their debt burden.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: Rosegate Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX. XXXX, 2023 Rosegate Mortgage , LLC ran my credit via a third party company by the name of XXXX XXXX XXXX XXXX with out consent. I was in the process of getting prequalified for a mortgage and sent my tax documents and before you know it without any communication at all a hard pull was done on my husband and I credit this was alarming and caught us off guard as we experienced our identity being compromised. Aside from the fact that this disrupted other things we had going on we simply wished we would of been ASKED. The representative XXXX XXXX seemed frustrated with me not accepting the fact that she didnt follow standard protocol and even then I wanted to fix things but she actually contacted my realtor to let him know we will not be working together anymore. Just POOR accountability and business. I was contacted by another representative by the name of XXXX who took accountability on her behalf and ensured me they'd be working to remove said inquiry, but I haven't heard back and this is now affected my home loan and car refi.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: CrossCountry Mortgage LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
To Whom It May Concern : I have filed a Chapter XXXX, Bankruptcy in XXXX of 2017. I have a active mortgage on my home, but did not re-affirm the loan during my filing for bankruptcy. I have continued to pay the monthly payments. My mortgage lender Cross Country Mortgage, has stopped sending me my monthly statements. I have reach out to them continuously for them to start sending my monthly statements. Cross Country states because I have filed bankruptcy, I will not be getting my statements. 

I need to know my loan balance because, my lender has made errors in the past such as applying my escrow payments toward my loan. My home is not in a foreclosure status. My loan payments are only a month in arrears. 

I would appreciate your earliest response to this matter. This situation has been going on for too long, and I need your counsel. 

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 2021-09-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Credit Bureaus are ILLEGALLY reinserting FALSE information into my credit reports. A while ago, I noticed an account on my report that did not belong to me, I had filed an identity theft report with the police. Under investigation, they proved that the account is a result of fraud and removed it from my report. Years later, when I reviewed my credit report, I noticed that the fraudulent account had REAPPEARED on my report! 

Previously, the credit bureaus investigated the following collection account and determined that it did not belong to me ; and thus, you deleted it from my credit report : Account # XXXX Account XXXX Now, it has reappeared on my credit report, which is a violation of law. 

The Fair Credit Reporting Act states : The information may not be reinserted the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
" The consumer reporting agency is required to send the consumer written notification within five business days that the information has been reinserted and provide contact information for the company that furnished the information. '' And, they are required to maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted. 

I was NEVER NOTIFED. Nor was I given the opportunity to explain that this does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
On multiple occasions I have submitted my paid in full letter from XXXX XXXX and yet each credit reporting agency refuses to change the balance due. They are purposely hindering my credit in what I can only assume is a targeted attack on my person and my ability to provide housing for my family. They have provided zero reasoning into why they refuse to make the change.

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 2018-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I noticed my name on my credit report spelled wrong XXXX XXXX or XXXX XXXX both are wrong and I've never spelled my name this way. I have attempted to contact all 3 bureaus on this matter and nothing ever changes

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 2023-11-17
Company: Dunlap Gardiner LLP
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I am writing to file a complaint regarding a frustrating experience I have had with a debt collector and subsequent collection agency. I believe their actions are in violation of the Fair Debt Collection Practices Act ( FDPCA ). Allow me to provide you with the details of the situation. 

On XX/XX/, I received a summons from XXXX XXXX XXXX XXXX XXXX XXXX c/o Dunlap Gardiner LLP , claiming that I owed a certain amount of {$4000.00}. In response, I promptly answered with an affidavit to validate the validity and accuracy of the alleged debt. 

To my surprise, Dunlap Gardiner then responded dated XXXX XXXX XXXX with statements containing different amounts owed- {$4600.00}, which was contradictory and inconsistent with their initial claim. This inconsistency raised concerns about their adherence to accurate record keeping and transparency. 

In an attempt to clarify the conflicting information and dispute the alleged debt, I sent a formal dispute via certified mail with return receipt, requesting an explanation and validation of the debt. I believe I was exercising my rights under the FDCPA by seeking to verify the debt claim and ensure that I am not falsely held accountable for an incorrect or fraudulent debt. 

However, dated XXXX XXXX XXXX, I received a collection letter from a separate collection agency XXXX XXXX. This letter claimed that I owed the same alleged debt, but in the amount of {$8800.00}. This occurrence further adds to my distress and suggests that XXXX XXXX XXXX XXXX may not have provided accurate information to the subsequent agency, or they added extra fees. 

Furthermore, on XXXX XXXX XXXX  I went to my court trail and Dunlap Gardiner the attorney asked the court for a motion of continuous because it was brought to his attention that XXXX XXXX was attempting to collect for the same alleged debt. I am currently waiting for our next hearing ; however XXXX XXXX 30-day time frame is up on disputed debt. 

I am deeply concerned about the potential violations of my consumer rights, as both parties failed to provide consistent, accurate, and transparent information. These actions only serve to confuse and mislead me, causing unnecessary stress and concern. 

I kindly request that the CFPB investigate this matter thoroughly to ensure that these debt collection practices comply with the FDCPA and other relevant consumer protection laws. Additionally, I would appreciate appropriate action being taken against all parties involved, for their misleading, inconsistent, and potentially deceptive conduct. 

Thank you for your attention to this matter. I hope that this complaint leads to a fair resolution, upholding the principles of consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am entitled to certain rights with regard to this account, and I am seeking your assistance in ensuring that these rights are upheld. 

Account Details : Name : XXXX XXXX Account Number : XXXX Collection Agency : XXXX XXXX XXXX Date of Initial Collection : XX/XX/2023 I believe that the FCRA allows me to request the following information regarding the aforementioned collection account : Verification of the Debt : Please provide me with detailed information verifying the existence and validity of this debt. 
Copy of Original Contract : I am requesting a copy of the original contract or agreement that supposedly gave rise to this debt. 

Payment History : Please provide a comprehensive payment history for this account, including details of any payments made, charges, and interest. 

Name and Address of the Original Creditor : Kindly furnish me with the name and mailing address of the original creditor associated with this debt. 

Proof of Ownership of the Debt : I am entitled to see proof that the collection agency indeed owns the debt and has the legal right to collect it, which should include a signed application with the consumer 's wet ink signature. 


I understand that, under the FCRA, I have the right to request this information, and the collection agency is obligated to provide it. Moreover, I am aware that the collection agency must cease collection activities until this validation process is complete. 

Please consider this letter as my formal request for the information mentioned above. I kindly request that you forward this request to the collection agency involved and provide me with a copy of the validation response within the statutory time frame specified by the FCRA, which is usually 30 days.

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 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a pre approval from XXXX  XXXX for a car loan, presented it to a dealership. They went ahead and ran my credit without my knowledge or consent.

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 2018-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have recently submitted a complaint to have the card re-evaluated to be unfrozen, but for whatever reason, capital one is refusing to assist with this situation. The previous executive office rep did not do anything to address the problem. All she simply did was reiterate what customer service keeps telling me, instead of trying to assist me with a resolution or work towards a resolution. She was completely incompetent and unhelpful and did not try to assist. I want someone who is willing to work on a solution to get this unrestricted as I have consistently been making payments twice a month, the account is current and is far below the limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XX/XX/2023 this company, via a debt collector, took every XXXX in my bank account, my wife 's bank account, our mutual bank account, and our savings account ( {$190000.00} in total ). I was not aware of any suit or judgment against me, let alone aware of any debt that I owed, yet this company was able to obtain a levy against me via the court system in a county and state that I do not live in. I was never notified of any action against me and was not provided any opportunity to dispute the legal action being taken against me. When I contacted this company to question who they were and why they stole my money, they refused to answer my questions. Instead, they asked me for my personal information and also claimed that I had attorney representation in this matter. I do not have any attorney representing me in this or any other matter before any court in any jurisdiction in the United States. We now do not have any money to pay for our mortgage, childcare, food, etc. We have been robbed and this company used the court to commit the robbery and provided no means for us to face the accuser in order to dispute the matter in its entirety. Additionally, I would be more than happy to attach documentation in the section below if I actually had any sort of documentation to begin with. I have nothing from this company. No letters, no notice of legal action, nothing. This was a complete surprise and have no idea what to do other than contact an attorney and sue for restitution.

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 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 : XXXXXXXX XXXX XXXX Account number : # # # # # 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 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 2018-06-28
Company: ORG GC GP Buyer, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I recently set up a payment agreement with XXXX XXXX on XX/XX/2018 for a payment agreement and paid {$1000.00} to start the agreement. I received a letter fom GC Services that they now have my account after I just set up an agreement with XXXX XXXX to pay the reminding settlement amount of {$1300.00} in the next 6 months. I called XXXX XXXX they said my account closed and they do not know why. This happened before where they said my account closed and they didn't have it than a week later someone called me saying they do have it and now again my account is closed. I just do not understand how I set up an agreement with XXXX XXXX two weeks ago and now it is closed and GC services has my account. I need to know what is going on and who I need to pay and why the account got closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I started the loan refinance process with Citibank 1 year ago and unfortunately am still not receiving an appropriate level of service from XXXX XXXX and XXXX XXXX. My file was finally cleared as of XX/XX/XXXXwith all required paperwork, almost 12 months after I started the process with Citibank. 

From the very beginning of this refinance process, I have been very clear about my intention to bring money to closing in order to reduce my loan amount and monthly payments. At some point last year, my loan was passed along from XXXX XXXX to XXXX XXXX. Unlike XXXX who was very helpful at the start of the process, it has been very challenging to get hold of XXXX or get adequate support. XXXX did not reach out to me to explain or clarify the details of the closing process. This is an issue because I wanted to bring cash to closing. After 1 year of going through this painful refinance process and finally setting a closing date as XX/XX/XXXX, I am now learning that the loan amount can not be changed without going through underwriting again and further delaying the closing. XXXX blamed and scolded me for not notifying him earlier, when it was clearly mentioned from day one. 

I have spent hours emailing and calling for support, but have not heard back from either XXXX XXXX or XXXX XXXX in a timely manner. Due to the 12-month delay, I have lost thousands of dollars in interest I could have avoided paying. I also lost an opportunity to build additional equity that would have resulted from changing from a 30 year to 15-year fixed mortgage. 

I would like Citibank to reimburse me for the expenses I have incurred during this process, including the fees paid to XXXX XXXX and XXXX XXXX who have not supported me much during this year long process.

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
called all companies involved. All removed from credit report. But they keep coming even with the credit reporting companies putting a freeze on my info. the keep trying even with the same cards. need my life back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Experian Information Solutions Inc.
State: MA
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:
In XX/XX/2020, I noticed that there was a bad credit record showing that I have a delay payment for a XXXX  credit for more than a year. It hurts my Experian credit score. However, I never had a XXXX  credit account and I am not a XXXX  customer anymore ( used to have a checking account from XXXX ). I called multiple times to XXXX and since it was not my account I don't know the exact account number, therefore, XXXX  customer service can not help me to locate that account or file a fraud report. 

I filed dispute with Experian twice, and after so-called investigation, they kept recognizing it was my account. Until the later of XXXX, I went to XXXX local branch. The front-desk manager helped us call their fraud center and explain the situation ( using his internal privilege ). We found out that there was a guy who had a similar name as mine but same at all, and ever lived in the same apartment building but not same unit as mine couple of years ago. XXXX  mistakenly put his bad credit and linked it with my credit report! XXXX said they would investigate it and hand to Experian within 60 days, but 60 days passed, we haven't heard anything. My credit score keeps decreasing and I am about to loan mortgage. I am quite innocent but no one seems working for protecting us.

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 2018-12-11
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
XXXX XXXX refuses to tell me how they are coming up with my loan forgiveness date. They always say they will get back to me. I have tried calling, letters, and a prior complaint to CFPB in which they responded on XX/XX/17 saying that they would get to me. This is over a XXXX later and they still have not gotten back to me!

Company response to consumer: Closed with explanation