BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/2021 ; XXXX CARD XXXX Balance : {$2300.00}.

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 2018-08-27
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I Sent a letter and legal documents to XXXX regarding an old school loan from 2007 that I was not aware of and questioned what they did for fact checking upon applications with so - called co-signers. My credit report has reflected for over 10 years a charge off that has lead to many other denials of credit over the years for a student loan application I never agreed to

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 2023-11-02
Company: Maximus Education, LLC dba Aidvantage
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I was with Navient student loan servicer for XXXX until XXXX when they were sued by governement. They moved me over to XXXX servicer. I have not received my debt relief from the lawsuit. My current payment is XXXX a month, and I can not afford to pay that. How do I find out how to get the debt relief from the lawsuit against Navient. I spoke with XXXX XXXX. gov and they gave me the CFPB number to file complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Mr. Cooper Group Inc.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
MR. COOPER SERVICING PAYMENTS DOES NOT COMMUNICATE WITH THE INSURANCE SIDE EVEN WITH REPEATED EMAILS AND UPLOADS OF ISURANCE POLICIES TO ON THEIR WEBSITE. FIRST, I DO NOT ESCROW. MY FORMER HAZARD CANCELED XX/XX/2022. I IMMEDIATELY GOT A NEW POLICY, EFFECTIVE XX/XX/2022. MY POLICY HAS BEEN REPEATEDLY SENT BY THE INSURANCE COMPANY AND MYSELF TO MR COOPER. HOWEVER, THEY TRIED TO FORCE PLACE INSURANCE ON ME AND SENT A SMALL PAYMENT TO THE INSURANCE COMPANY WHICH DID NOT EVEN COVER THE POLICY BUT WAS SENT BACK BY THE INSURANCE COPANY AS I DO NOT ESCROW. THIS WAS CALLED TO THEIR ATTENTION ON BOTH SIDES OF SERVICING WITH INSURANCE. I RECEIVE EMAILS FROM INSURANCE SAYING NO FURTHER ACTION IS REQUIRED. HOWEVER, SERVICING STILL HAS AN ESCROW PAYMENT AND NOW LATE PAYMENT AND ARE NOW DAMAGING MY CREDIT. I HAVE BEEN WITH MR COOPER FOR XXXX  YRS AND I HAVE NEVER BEEN LATE OR HAD ANY INSURANCE LAPSE. I HAVE RECEIVED EMAILS FROM THE INSURANCE SIDE THAT NO FURTHER ACTION IS NEEDED BUT SERVICING IS ADDING ADDITIONAL ESCROW PAYMENT AND NOW LATE FEES. I HAVE TRIED OVER AND OVER TO CORRECT THIS AND I CAN NOT GET ANYWHERE AND NOW MY CREDIT IS BEING DAMAGED. I WANT THIS CORRECTED ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
For years we had our accounts with USAA ( United States Auto Association ) setup to pull overdrafts from our savings account. If for some reason we did not have enough money in our savings account the money would be applied to a credit card. Within the last two years we have been hit with NSF fees even when money was in our savings account. They have also stopped drawing from our credit cards opting to instead bounce the transaction and then charging us a {$29.00} free. They say nothing has changed but we never got hit with fees until XXXX. The latest transactions occurred XX/XX/XXXX incurring a {$29.00} fee. Something that they also do is they will send checks to the company that we are trying to pay and when that check bounces they hit us with a bounce check fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}

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 2023-04-24
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-02-25
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Both my partner and I were laid off during separate times of COVID shutdown. We did fall behind with our Mortgage Service -- Wells Fargo. We were asked if we wanted Wells Fargo COVID Relief forbearance program as an offer from WF. 
Our stable employment occurred in XX/XX/2022. We offered to pay back the forebearance amount via installments. WF said we did not make enough to pay the installments. WF completed a loan modification review in XX/XX/2022 stating we made too much for their programs, offering an only option is to sale the property. I filed an appeal and they 'denied " the appeal. 
We have contacted financial counseling as WF suggested. When the financial counselors call WF, they tell them we're ineligible for anything. 
All of this have me at risk of losing my new job, since it is reported I'm behind over {$40000.00} ( with an unreasonable amount of late charges being added monthly ) on mortgage as a gov't cleared worker. The adjudicators are wanting me to settle how am I going to pay my mortgage when WF will not allow me to pay. My partner and I do have a current bankruptcy which is being paid on time having nothing to do with the COVID relief. The bankruptcy was filed prior to COVID. 
Thanks in advance, 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 2022-11-17
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under XXXX XXXX XXXX. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX i am requesting that ALL non-accu0nt holding inquiries over30 days be removed. 







Has violated my rights XXXX U.S.C XXXX section XXXX A States I have the right to privacy. 



XXXX XXXX XXXX Section XXXX A Section XXXX, it also states a consumer reporting agency can not furnish an account without my written instructions. 



XXXX XXXX XXXX ( a ) ( XXXX ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crime which antedates the report by more than 7 years. 



XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe 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 2023-04-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: COAST PROFESSIONAL INC
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My servicer is Coast Professional. They garnished my wages at {$200.00} a month, which I can't afford and have been paying over a year. I contacted Coast Professional months ago and gave them my information that they should have asked for before they garnished my wages. I gave them my rent statements and other bills I have to pay each month. They told me based on those statement that I should be only paying {$10.00} a month. It's been about two months and I have not heard from them and I am still paying {$200.00} a month. A few days ago because of the coronavirus, I wrote them a letter asking for a forebearance. My payments should be stopped at this point. Not only that, Coast Professional should pay me back from paying {$200.00} a month when I should have only paid {$10.00} a month.

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 2020-05-07
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt popped up on my credit file today. Ive recently paid off all of my outs and debts. Ive never seen this debt before. I called the collection agencys phone number listed on XXXX a few times and I kept getting a personal voice. I believe this claim to fraudulent as letter or anything of this unknown debt has been sent I also looked up the company and they are known for buying very old debts and trying to collect. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 DID NOT GIVE THEM WRITTEN PERMISSION TO REPORT THIS INFORMATION WHICH IS A VIOLATION, I HAVE A RIGHT TO PRIVACY!

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 2022-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX I opened joint checking account with my mother, when unrecognizable phone # appeared in my online login, I closed account unfunded. Fast forward to XX/XX/XXXX when I opened new joint checking with my mother. As no new unrecognizable phone # s appeared I assumed issue resolved & continued. When we visited local branch to add my brother -all at same address, a XXXX yr old account of my mother 's appeared that my brother & I were attached to with recognizable old phone # s. After updating account with MY phone # s only my mother & brother can access security verification. So Bank of America gave away MY phone # s, making me a guest on MY account. Now I received an email from Bank of America collection department for debt I NEVER had & since then only my landline was manually re-attached ending in XXXX BUT my cell phone ending in XXXX was not, leading me to suspect it was attached to the other person steming from XX/XX/XXXX data mishandling.

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 2021-02-11
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
Dear Sir or Madam : I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. MACYS/DSNB {$1100.00} XXXX XXXX XXXX {$820.00}

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 2023-09-06
Company: Kriya Capital, LLC
State: DE
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I inquired about mobile cellular service with XXXX, they were unable to switch my cell phone service over from a previous XXXX. I never activated the service, in the mean time, they charged me for services that i don't have for the last 5 months. I contacted them every month in regards to this as they kept trying to charge my account for cellphone services which caused me to accrue fees thru my banking account. Now they have sent the amount that I don't owe to a collection company and this caused my credit score to go down and I am in the middle of trying to purchase a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: IL
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 DID NOT GIVE THEM WRITTEN PERMISSION TO REPORT THIS INFORMATION WHICH IS A VIOLATION, I HAVE A RIGHT TO PRIVACY!

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 2018-08-27
Company: Early Warning Services, LLC
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 is missing that should be on the report

Complaint:
Between XX/XX/2013 and XX/XX/2013 I deposited a check in my account in the County of XXXX XXXX California, from a third party. Check did not clear, maybe altered or stolen. XXXX XXXXXXXX XXXX closed my account after freezing it an reported me to XXXX XXXXXXXX and Early Warnings for fraud activity or intent to commit fraud. For more than four year I have not being able to open a checking or savings, personal not business for my corporation with any financial institution because XXXX  XXXX XXXX reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar purchased our mortgage from XXXX in XX/XX/XXXX or XX/XX/XXXX. The terms of the mortgage state that monthly payments will include the mortgage, home owner 's insurance and taxes. As per the terms of the mortgage, the mortgage company was responsible to pay taxes from our escrow account. In early XX/XX/XXXX, we became aware that our town tax ( The Town of XXXX XXXX ) was not paid by Nationstar. We contacted Nationstar to remedy this situation. On XX/XX/XXXX we received correspondence from Nationstar that they paid the town tax on our behalf. However, as of XX/XX/XXXX, no tax payment has been received by the town, despite many phone calls to Nationstar and many assurances that said taxes have been paid. XX/XX/XXXX marks the third late deadline and, as a result, the third round of penalties imposed by the town. My first request is that these taxes get paid. My second request is that my escrow account is reviewed by a third party to assess for any mishandling. Third, I want to be remedied for Nationstar 's failure to follow the terms of the mortgage they purchased by ensuring that the town penalties are absorbed by Nationstar and not us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A fraudulent transaction was made on my Bank of America checking account XX/XX/XXXX, at XXXX XXXX, in the amount of {$1000.00}. 

I have been in communication with both XXXX XXXX and Bank of America regarding this fraudulent transaction for several months to no availXXXX XXXX XXXX  ( XXXX XXXX  XXXX ), has explained to me that they are aware the charge was fraudulent, and they simply need my bank ( BoA ) to work with them so that they can reverse the charge. 

The reference number for the XXXX XXXX 's claim is # XXXX. 

Bank of America has opened two claims regarding this issue due to mishandling on their end. They credited the money to my account, but took the money back out today ( XX/XX/XXXX ), and said that my claim was not approved, with a number to call to receive the documents used to make the decision. I was on the phone with them today for over 2 hours regarding the issue in order to get the documents regarding the claim and reasoning behind the denial ; they refused to provide any information, including any documentation. I was able to get an employee to reopen the most current claim ( # XXXX ) Claims created by BoA regarding this same issue : # XXXX # XXXX I have spend countless hours on the phone with Bank of America and have not been helped. I'm not sure how to go forward in having this fraudulent charge reversed. The charge was absolutely NOT authorized by me or anyone with permission to use my card.

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 2022-03-28
Company: TRANSWORLD SYSTEMS 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: Account status incorrect

Complaint:
On XX/XX/XXXX University Accounting Services of XXXX XXXX XXXX XXXX, WI XXXX reported that I had a charge off/delinquent loan from XXXX. That information is both inaccurate and far beyond any statute of limitations for collections and far beyond the lawful credit reporting limit. At no time in the last 20 years has any lender or company complained about this supposed debt or tried to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied for and were approved for a mortgage on a new build in XX/XX/XXXX. We gave XXXX XXXX, XXXX XXXX, our closing date of XX/XX/XXXX. 
We provided ALL information as requested and paid appraisal fees within 24 hours. 
Our Title person reached out the week before and of closing with no response. 
We reached out daily and were told it was fine and moving along. We got a preliminary CD on XX/XX/XXXX showing everything ready to go. 
On XX/XX/XXXX, our closing date, we were asked for the same materials we had sent and a bunch of new information. It was sent. We missed our closing. We spoke with a supervisor who told us he didn't understand why there was a hang up. 
We agreed to move the closing to XX/XX/XXXX. 
On XX/XX/XXXX, the mortgage company asked for more statements showing daily balance and running daily balance. We have closed on 2 houses in the past and have NEVER had these problems. We continue to get the run around on XX/XX/XXXX and have no idea why this is not happening. They had 6 months. This is costing our family money, time and is beyond distressing.

Company response to consumer: Closed with explanation