BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-08
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I booked a trip with XXXX XXXX. they cancelled the trip due to cv in XX/XX/2020. The trip was paid in full from my peoples Bank debit card. Tried to contact XXXX with no one there to respond. Their email stated they would not be able to deal with refunds and to contact my bank, which I did. The bank said they would only be able to assist in getting a refund from XXXX. Since they are no longer in business that was futile. XXXX has over {$2000.00} and Im trying to recoup the funds for the cancelled trip which was to take place XXXX XXXXthe XXXXAny assistance would be appreciated. I also filed with the attorney general and XXXX.. all were unable to help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-05-04
Company: Ocwen Financial Corporation
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I changed home owners insurance XX/XX/2023. PHH is my mortgage company. They increased my monthly payment from {$760.00} to {$1000.00} without notifying me. I called PHH and asked why?. Their response was they decided reevaluate the Escrow Account based on Home insurance estimated to be {$4700.00} annually. My new policy with XXXX XXXX is {$2400.00} annually. They said they would do a reevaluation and get back to me. They did not contact me. I called several times to follow up. 

At the end of a call a request by the PHH company requested I comment on their service. 
I completed the request and ended with " I could not recommend anyone to do business with PHH mortgage based on my experience. As a result of my submitting my complaint I received an email from PHH apologizing and saying I would be contacted by another member of their team ' No contact yet. 

I have made 3 payments of {$1000.00} commencing in XX/XX/2023 I sent checks of {$680.00} and {$1700.00} escrow money from previous home owners insurance company. 
My loan number with PHH is. XXXX I believe this company has decided to increase my mortgage payment to increase profit. 

I am on Social Security. It is my only income. my budget will not support an increase in my mortgage payments. 
My original contact with PHH was very unpleasant. the man I spoke to had a very heavy accent and was difficult to understand. He did nothing to help me understand why the increase. He asked if i would like to pay {$4700.00} new escrow requires, I asked for his name and he gave me a code which i have misplaced. I am not tech savy and require patience. this man was rude and patronizing. 

Earliet this past week i called again and spoke to a very nice lady ; She said the reevaluation had been done and my payment would {$850.00} monthly. I can not handle this increase. Help me please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
1026.13 - Billing Error Resolution 1. Creditor 's failure to comply with billing error provisions. Failure to comply with the error resolution procedures may result in the forfeiture of disputed amounts as prescribed in section 161 ( e ) of the Act. ( Any failure to comply may also be a violation subject to the liability provisions of section 130 of the Act. ) 2. Charges for error resolution. If a billing error occurred, whether as alleged or in a different amount or manner, the creditor may not impose a charge related to any aspect of the error resolution process ( including charges for documentation or investigation ) and must credit the consumer 's account if such a charge was assessed pending resolution. Since the Act grants the consumer error resolution rights, the creditor should avoid any chilling effect on the good faith assertion of errors that might result if charges are assessed when no billing error has occurred. 

billing error on my credit report the payment for the car went to the treasury of that account XXXX XXXX XXXX is not the trustee it is XXXX XXXX XXXX payment was sent to the treasury and therefore this is a billing error that continues to show up on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX  XXXX XXXX # XXXX  was removed from XXXX. Transunion and XXXX keeps reporting this account to my credit profile.

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 2022-11-13
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Ever since my loan has been transferred to MOHELA, I never received anything in the regular mail or email stating that anything was wrong. On XX/XX/2022 I decided to check my credit and seen a drop due to MOHELA. I'm like okay no-one has called or mailed me let me log in and check. Find out they are only sending statements to the message function in there website. Notices that are important to read and contact them about however, if you don't email or send some other type of notice at the very least you don't know that they are in there. So that is first not receiving notices how would I know nothing was wrong. I finally found the location to turn off paperless on XX/XX/2022 and hope that issue fixes itself however, I don't think any penalty 's or negative credit reporting 's should be placed on my records and also should be reversed since no notification was sent outside your system to notify me. 

Second, I reached out in XXXX to MOHELA when my loan was switched over and you immediately started charging me fees that XXXX  who was my previous servicer had not. In fact I never even received a bill from XXXX. MOHELA said they had to get the updated contract from XXXX  because you didn't even have a copy at the time to confirm the payment amount which to this day is still incorrect. Regardless I was still in school this loan applied to and applied for the In School forbearance until you could figure it out. That clearly did not happen as I am seeing MOHELA now says I am over {$1400.00} past due or $ XXXX per month which again if you would have sent me notice or called I could have talked about months ago. My monthly payments till the end of next year should be {$150.00} per the repayment schedule Which I have attached for your review. I am more than willing to make the {$150.00} per month payments however, you need your system adjusted to make the amounts correct so I can make payments.. It has been wrong since the loan was taken over by MOHELA and I have already reached out more than once to get this corrected. While i am looking to finish my XXXX XXXX next year i am not currently enrolled in school to apply for another forbearance while you get this corrected

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I had a TJX rewards credit card for several years. I closed the account I had a certificate balance which was revoked In violation of their disclosure. It is published and understood that points earned toward certificates would be lost but I was told that I would retain my certificates. The value is about {$220.00}. I have tried to resolve this with the company to no avail.

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 2021-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
To Whom it may concern, I have excellent credit it was XXXX with Transunion. I recently charged a vacation for {$5100.00} and my credit used went from 2 % to 7 % and my credit dropped 22 points. I called them to ask as my 7 % of credit used is excellent. The charge was made on Monday XX/XX/26 and I plan to pay off the credit card to today. I have not had the debt for a week and they drop my credit 22 pts. I think this is wrong. When I pay the card off my credit will not likely go pack up to where it was.

I really think the government need to look into these bureau 's and see how their algorithm works. It is not fair to consumers. My Credit rating with XXXX  is still at XXXX. Thi

s is a 40 pt discrepancy which is a red flag between bureau 's in my opinion. I want to know how the calculate and why the impact on a charge that I pay off after a week is so much. This effects a lot of people and it is not right. They should be able to explain why it dropped so much because in my situation all my payments are on time and everything is excellent and good standing. The expectation of Americans is that you protect consumers. Based on this issue millions of people can be affected and forced to pay higher interest rates who don't have as high of credit scores. I understand that some people have bad credit and they should have impact but I and others have good credit, pay off balances should not be impacted 20 pts on one charge that is paid off in a week. I would like to have some type of response that you are looking into this because its wrong to have such a dramatic impact on one charge that uses barely any of my available credit.

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: Nelnet, Inc.
State: OR
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:
Great Lakes was bought by Nelnet who has increased my interest rate and eliminated customer service. I scheduled a recurring payment prior to start date ( XXXX ) which has since been obfuscated. They have not responded to my emails and reached out over text to say my loan info has changed at the last minute. Furthermore, I can not pay more than the minimum on a regular cadence and must call in via phone no longer than 30 days advance to schedule a principal payment separately from a minimum. I am not on an IDR plan or anything and wish to pay off more than the interest rate every month which is made untenable at this point by nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: EQUIFAX, INC.
State: MA
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:
I Sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking #. XXXX According to the FCRA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

they stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting XXXX XXXX Accurate. And according to the FRCA XXXX XXXX XXXX everything has to be XXXX XXXX Accurate. I have the credit report showing the inaccuracies. 

Accounts : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: EQUIFAX, INC.
State: WA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$5300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a XXXX XXXX  and I placed 2 travel alerts on my account as I have traveled XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Sunday, I was able to make 2 transactions and my card would not work. I was unable to log in as online banking was not working at that time. I called in and waited 45 mins for someone to fix my card. Went back to you it and it declined. Called in, had {$0.00}. Spoke to PNC online and was told I had to call in. I call and was transferred to the fraud department. I came in VERIFIED! Lady states she told me I had to come in previously, but I had not talked to her before. I explained i put XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, my only source is income is my debt card. She would NOT inform me of what was going on with my account. I explained I am well over 2 hrs from any branch. 
She still wouldnt let know what is going on with my account. I ask for a someone else. And explain whats going on they looked up my location and stated I open an account online but its going to take 3-5 because I need to sign paperwork that will only go to my house. I go back to the fraud department and say, I understand that I need to go to a branch to open an account but I have no access to my funds! I need to get gas, food, I have to pay for my place to stay, my account is frozen and I have come through verified. Please lift it so I can get money! She says nope you should look into a XXXX or XXXX or have someone send me money! I explain all my money is tied to my account, my XXXX comes from my account, I pay my bills with my account, I cant have anyone send my money because its frozen and the money is just sitting there. She tells me No, I cant help you! I ask for a manager and she says shes an manager and wouldnt provide with anyone else. The only thing she can do is take a complaint. I try to give a complaint, she puts me on hold and says, theres nothing she can do. So I say how do i finish my complaint, she tells me its finished. I asked her whats in it and she states something like customer states that she received a call from an agent pretending to be a PNC rep and customer gave away sensitive information and compromised her account I explained I never said that I never got any calls from PNC, not even the usual automated call to verify debt! I explain again I never called about anything of that because I never got a call and you wouldnt tell me what was going on! She states she put complaint through. I reached back out on XXXX XXXX and was told my complaint would Be sent to the escalation department but that could take 2-3 days. I am stuck with no access until I get to a branch well over 2 hrs away from with no way to get gas to get there or a way to get food and shelter after my time is finished. I am in XXXX, XXXX XXXXXXXX which is well over 2 hrs to the nearest branch

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-03-18
Company: COMMERCE BANK
State: OK
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/2019 I opened an account with Commerce Bank for the expressed purpose of earning {$300.00} for signing up and completing requirements posted at : https : //commercebank.comXXXX. When I approached the teller, she inquired what I was at the bank for and I told her I was there to open the account for the purpose of earning the {$300.00} promotional offer. After the teller took my information and a check for {$5000.00}, she then opened a checking account in my name and the teller stated then stated the bank would not be able to extend the promotional offer to me. After asking why I would not be able to receive a publicly posted offer, the teller and branch manager stated the offer was only for " certain targeted customers '', this statement was repeated to me upon contacting the corporate office. The teller and manager stated that they had successfully opened a checking account in my name, but the promotion would not be extended to me. The teller and manager could offer no information why I would be ineligible for an offer posted on the bank 's website. I closed the account upon notice that my account would not be eligible. I believe I have been discriminated against without legitimate reason and without specific cause offered by Commerce Bank. 

Additionally, the head office was contacted and the representative did not believe there was an issue to address. I attempted to use the bank 's online links to sign up for an account, these links do not work ( shown in video attachment ), the bank was informed of the website links and the representative stated the site was functioning properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX  XXXX XXXX XXXX, NY XXXX XX/XX/2011 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXXBalance : {$4600.00} ; XXXX XXXX Balance : {$6300.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5300.00} ; XXXX Balance : {$840.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX Balance : {$2200.00} ; XXXX  XXXX Balance : {$840.00} ; XXXX XXXX XXXX : {$5600.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00}.

Company response to consumer: Closed with explanation