BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 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 non-monetary relief
Consumer complaint received 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
My credit card account with XXXX XXXX Credit Card states 30 days late with payment on my Trans Union and XXXX  credit report. Thats inaccurate. I have never been late or missed a payment. All my payments I have made to XXXX XXXX have been on time payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Navient Solutions, LLC.
State: PA
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 revisiting this complaint that has impacted me for years since graduating in XX/XX/XXXX.  Sallie Mae ( now both Sallie Mae and Navient ) coerced me into NOT doing student loan consolidation in XX/XX/XXXX ( that significantly dropped my variable interest rates into a low fixed rate ) when they had a consolidation program available. They told me not to consolidate if I had thoughts of going to XXXX XXXX because if I go to XXXX XXXX I wouldn't be eligible for school forbearance, and that I could do consolidation when I am completely done with school. -- - So I continued to pay on the loans at the high interest rate, and I went back to school I was working and going to school - Sallie Mae made the assumption that if a student is in school they don't pay their loans -- this is false and has been harmful to my credit score, getting a mortgage, and now trying to consolidate my loans through XXXX ( I am not eligible now b/c of debt to income ratio and also my credit score ) ... ..I called Sallie May again in XX/XX/XXXX and XX/XX/XXXX when I saw my fixed rate increased yet again asking/this time begging for the consolidation and they told me it was no longer an option/stopped offering it to consumers ... a couple years ago, a Sallie Mae rep told me that the only time they lower rates is if I show I can not pay, and that happens when you can't make payments based on income and expenses. This killed my credit score, which I have yet to recover from to do student loan consolidation. Paying back my loans has been a struggle since XX/XX/XXXX and I want Sallie Mae to drop my student loan interest to the rates they would have been if they would have been consolidated back in XX/XX/XXXX, and remove all credit reporting when they put me on a " special rate program for people who can't pay ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In accordance with the Fair Credit Reporting Act, Ability Recover service, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 USC 1681 Section 602 A : States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 15 USC 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. Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Inaccurate Account Because it is Unknown, Inaccurate, Unverified Due to Confirmed Fraud, and Due to Negligently Violated 15 USC 1681c-2, 15 USC 6802, 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( e ), 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681 Section 602 A, 15 USC 1681 Section 604 A Section 2, 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681s-2 ( A ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681i ( 5 ), 15 USC 1681g ( 2 ) ( E ) , and 15 USC 1681e ( b ). Please cease and desist all calls and contact with me, immediately. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.

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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and or deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of face by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : These are inquires that need to be removed XXXXXXXX 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 2017-03-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am filing another complaint on behalf of my client. After my last complaint regarding the manner in which my client 's loan modification application was reviewed, XXXX different Wells Fargo representatives contacted me from the Executive Office ( XXXX and XXXX ). After speaking to them and my client I told them that my client wanted to forgo the loan modification review and instead be reviewed for a short sale. I asked XXXX if that was possible. She said it was but that the review had to be expedited. I agreed. I told her that we had secured an offer for the property and that we could send it over immediately. I stressed to her that because a sale date had been set for XXXX XXXX that it was IMPERATIVE that someone contact me ASAP to review the file. I told her I did not want to delay ONLY to be told that we were too close to the new Trustee Sale date. She assured me that the review would be expedited that and someone from the executive short sale department would be contacting me. It has been nearly a week and no one has contacted my office. My assistant calls Wells Fargo 3 times a day trying to get in touch with someone. We have not heard from XXXX or anyone else. Customer Service does not seem to know what is going on. I am concerned and believe that time is going to fly by until we are once again close to a sale date. As I was writing this my assistant just spoke to someone that said the offer is being reviewed but they have not asked for anything NOR do we have a representative to discuss the matter with. 
I have always worked well with Wells Fargo so I am VERY confused by this. We are trying to resolve this matter amicably and avoid a foreclosure sale. The offer that we received is a good offer especially considering the condition of the property. I do not know what value Wells Fargo has for the property but an INTERIOR BPO is needed. Trust me, Wells Fargo needs to get someone inside this home to check out what is going on. 
I am only resorting to communicating through the CFPB because Wells Fargo will not return our calls. 
I want to believe that Wells Fargo is working in good faith but the run around that we get from customer service tells me otherwise. I do not trust what is going on right now. My client is willing to do whatever it takes to resolve this matter FAST. 
I have a funny feeling that time is going to pass and I am going to be given some XXXX excuse. I am documenting all of our calls and attempts to work with Wells Fargo. 
Please have someone contact me ASAP at XXXX to discuss this situation. Time is of the essence.

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 2017-03-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
The following credit items are reporting to my credit file and have been disputed several times and have been proven to not belong to me or reported incorrectly. the accounts in question are as follows : XXXX Account Number XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-06
Company: Experian Information Solutions Inc.
State: CO
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:
Since XX/XX/2019 XXXX XXXX XXXX has reported a new charge off every month so my account is now showing 14 charge offs. Additionally, I am paying as agreed with their collection agency after trying many times to work out a deal with them. There was only one charge off. I reported this and received a letter stating that the investigation was closed and the information was correct. This is the pinnacle of UNFAIR credit reporting and I request that you require them to accurately report that there was one charge off in XX/XX/2019. Absolutely show my past due amount in fact, I am also paying as agreed.

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 2023-11-07
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-04-30
Company: EQUIFAX, INC.
State: AK
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:
XXXX XXXX XXXX XXXX wronglyreporting on XXXX Credit report- {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX Habitat for Humanity is in violation of our clients right to counsel and RESPA guidelines - we have attempted to contact the lender and opposing counsel since XX/XX/XXXX for loan information and to discuss a workout option for the client via loss mitigation - the lender and or opposing counsel was contacted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, No one has responded to our voicemails left for each - each time we have reached out to them no one has returns our call and at this point they are unwilling to assist this client in a workout option.

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 2016-12-29
Company: WESTERN UNION COMPANY, THE
State: KS
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My complaint is regarding your settlement with XXXX. We were issued a refund check on XX/XX/2016 but it was sent to a former address. We became aware of the check for {$410.00} but the check stated that it was only valid until XX/XX/XXXX. I called the number on the check and asked that the check be reissued. They stated that they gave me until XX/XX/XXXX to cash the check and since that date passed, I was no longer entitled to the money. I did n't see anything on that order that limited the date for payment. In fact, I think most states require such money to an Unclaimed property fund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I believe I was wronged by Navient in several ways. Number one occurred in 2014 when I was not adequately informed of my obligation to re-certify my income status. They did not make any effort to ensure that I completed it in time, and, as a result, {$6500.00} in interest capitalized and was rolled into my subsequent income-based repayment status. They did not adequately inform me ( 1 ) of my obligation to re-certify my income status by the deadline they provided and ( 2 ) of the repercussions of not doing so ( that my interest would capitalize and payment would skyrocket ). 

At the time, I was told that there was nothing I could do about this. However, after seeing your lawsuit, I realized that I was wronged and misled. Thank you for your help in bringing this issue to light.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt had been fully paid to Central credit services

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 2017-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
after an XXXX I apply for capital one secure credit card and used it for about XXXX and they retricted my account twice for no reason after I called for the second time I paid off the bal and the lady told me she would refund my money in ten days, they have made two other dates for refund and are just liars I am on a fix income and I need my money in reasonable amount of time after two billing cycle is not reasonable what does that mean 60 days 62 days or XX/XX/2020

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-06
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I refi last year with XXXX, at COE they stated on there title that the 2nd partial claim would be removed, closed escrow. Now tried to go back and lower rate and finding out that XXXX, which is underwriting by XXXX, is showing the 2nd is first position now putting us in a position of not being able to get any at shellpoint to help us out, the 2nd is also now showing in first position but title insured only shellpoint on the property in first position. This is causing us to have to possibly sell our property due to this huge error. 
Please advise. 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 2015-07-17
Company: CCBA Inc.
State: LA
Product: Payday loan
Issue: Can't contact lender

Complaint:
I have a collection company CCBA stating they are threating a lawsuit of a payday loan i supposely had a year ago. They sent me an email about it and payment plan. I have never received any documentation in the mail stating the debt owed and a chance to respond to the original creditor. XXXX XXXX has not sent any documentation. They are wanting banking info and setup a payment plan but i am scared to give out any information with out a offical documenation of the debt and verification sent from the original lender. Once that is done, then we can work out a payment plan.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-10
Company: Access Capital Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
So ive tried working out a settlement with this company and they say they cant settle do to the company still owing this dept and they can charge big amount of intrest on a dept that was written off to them ... they call me with out trying to work with me they just say that I have to pay XXXX and it just keeps on adding intrest on a collection that 5 years old.. it was XXXX and its XXXX ... We have attempted contact with XXXX with no response. ACS is not a debt buyer. This debt is still owned by XXXX. The account was assigned on XX/XX/2011 for {$350.00}. After 5 years the interest is {$200.00} for a total of {$560.00}. If we would receive a response to our attempts to contact, the interested could be reduced upon agreement for payment. We have never received a response after 5 years, 3 letters, & 6 messages. this a lie because ive tried contacting them and working something out and they wont work with me on a consolidation of dept ... they say they do n't work with cfpb.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XXXX, 2023 an international wire transfer was initiated by XXXX for USD {$300000.00} to be sent to my company 's account named XXXX XXXX XXXX XXXX the XXXX XXXX provided to us at the time was XXXX which turned out to be inaccurate the actual SWIFT code for TD Bank was XXXX. I have been calling the bank wire department who makes extremely difficult to reach them, they could only be reached through a bank officer. Many attempts are made everyday to contact and get status, XXXX is claiming that the recipient bank TD Bank has the money, TD Bank is claiming they never received it and in the middle XXXX XXXX is being mentioned as the corresponding bank but would not disclose any information as they are advising me to speak to my bank TD Bank who is not being forthcoming at all. Meanwhile I am out of {$300000.00}. TD Bank has engaged in a blatant and willful misconduct to mislead saying that XXXX is not a valid swift code when in fact it is a valid zip code for a bank in New York XXXX block away from my branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: LOAN SERVICING GROUP
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Requested loan modification due to loss of income, financial hardship, illness, was denied, loan company refused to work with " third party '' ( XXXX ) to resolve delinquency issues. My Balance has not changed in approximately 12 years {$18000.00}. My payments are not being applied. Abusive collection procedures. Was sent to eviction court immediately after having XXXX surgeries. Paid {$2200.00} to loan Company. There is no history of this payment are any other payments todate.

Company response to consumer: Closed with explanation