BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-11
Company: Flagstar Bank, N.A.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Flagstar Bank of XXXX Mi sent me a {$300.00} refund from escrow as bal to high, then increase my escrow needed to cover XX/XX/XXXX. They refuse to keep {$190.00} & send a refund {$110.00} & leave escrow & payment same. I refinanced RE due to divorce with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXthen sold to Flagstar Bk.

My last mtg holder XXXX XXXX XXXX always gave me option to pay more n escrow & leave escrow & pmt same. Flagstar flat refuse any option. I ask them to sell mtg to another bank & refuse.

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-01-31
Company: ZuntaFi Corp
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XXXXa company called ZuntaFi said I had a coborrower requesting a payment of {$90.00} to be deducted from my bank account. 
On XX/XX/21 ZuntaFi indicated fake tax documents were ready for me to download serviced at XXXX On XX/XX/21 I have reported this fake company to the local authorities and emailed them back to please stop harassing me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I WAS AT THE END OF MY LOAN AND ONLY HAD A LITTLE OVER {$1300.00} LEFT TO PAY ON MY LOAN. I WAS REAR ENDED BY SOMEONE WITHOUT INSURANCE & THERE IS ABOUT {$10000.00} WORTH OF THINGS THAT NEED DONE TO THIS CAR INCLUDING FRONT/BACK BREAKS, RACK & PINION & THE WHOLE TRUNK NEEDS TO BE REPLACED ALONG WITH THE EXHAUST FROM THE ACCIDENT. I PAID THESE PEOPLE OVER {$12000.00} FOR THIS CAR AND ONLY HAD ABOUT {$1300.00} LEFT TO PAY!!! 

i AM TAKING CARE OF XXXX CHILDREN XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX STRUGGLING TO MAKE ENDS MEAT. I'VE HAD ISSUES WITH THIS COMPANY THROUGH MY WHOLE LOAN WORKING WITH ME. MY PHONE HAS BEEN OFF BECAUSE I COULDN'T AFFORD IT RIGHT NOW. THEY SAID THEY TRIED CALLING, BUT I NEVER RECEIVED ANY EMAILS ( EXCEPT FOR 1 EMAIL THE DAY BEFORE THEY REPOSSESSED MY CAR ) NOR ANY VISITS TO MY HOME TO TRY TO SEE WHAT'S GOING ON. NOW THEY ARE SAYING I NEED TO GIVE THEM OVER {$2000.00} TO GET THE CAR BACK. IF I CHOOSE NOT TO, I HAVE TO PAY {$75.00} JUST TO RETRIEVE MY BELONGINGS THAT IS IN THE CAR RIGHT NOW. WHEN I TALKED TO XXXX XXXX AT AUTO NOW, SHE TOLD ME THEY HAVE " NO PATIENCE FOR THINGS LIKE THIS ''. THEY COULD CARE LESS ABOUT PEOPLE STRUGGING & TRYING TO MAKE ENDS MEAT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We applied for assistance on our delinquent mortgage. We had a financial hardship. Our file has never had a loan modification. We applied for one and the next thing you know on XX/XX/XXXX we received a letter stating our file was removed from review. We did not get this letter until a few days ago. Apparently our file was missing documents but we were never advised of what documents we needed to send in. We were advised a letter was sent out to us. Due to this pandemic our mail system is extremely slow. The letter never came. We have been having substantial mail issues. We have an adjustable rate loan and know we need a fixed rate. Weve never been given assistance. All were trying to do is save our house and now we have a foreclosure sale date set for Friday. I am sick and I can't imagine being evicted from my home while sick with XXXX. I had XXXX  and my symptoms are severe. I was in the hospital for two weeks and have not fully recovered, I am still on XXXX. The stress of this on top of the medical bills is delaying my recovery. I feel like our file has slipped through the cracks at SLS. We were not properly informed by any reps at SLS of the missing items. No one is giving accurate information and no one is being held accountable for these issues.The inability to relay information to us is inexcusable.They are more interested in foreclosing on our home rather than assisting us. The lack of participation in a meaningful review of my file indicates a preference to profit directly from our hardships. If given the opportunity we can afford the payment.

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 2023-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I do not understand why your agency is requesting identification that I already sent to your office. This is a STALL tactic, I assure you I am keeping careful records of how you conduct your investigation and I will present your DISINGENUOUS behavior in a court of law if I have to. 

I submiitted my dispute CFPB XXXX XXXXXXXX on XX/XX/2023 and your office acknowledged receipt XX/XX/2023. 

You requested my identification and I sent it to you, Unfortunately, I am sending it to you again in this communication so that you do not stall and remove XXXX XXXX XXXX XXXX because it is more than 7 years old.

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 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I demand these accounts listed below be removed. 

Account : XXXX XXXX  Account Number : XXXX Account : XXXX Account XXXX Account : XXXX  XXXX Account Number : XXXX Account : XXXX XXXX XXXX XXXX Account Number : 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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
According to the information given to us from the Bankruptcy Court, they do not report the bankruptcies.to the credit reporting agencies, per ( 17 ) ( CFR ) ( 160.7 ) ( FG1 ). Therefore, we hereby refrain from sharing our non-public personal information. Additionally, we request that you provide us with an updated privacy policy that reflects our opt out preferences and an updated copy of our credit reports from all three ( 3 ) credit agencies. See letter from Trustee Agency below. *************************************************************************************************** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wanted to correspond regarding our previous conversation on the credit bureaus, the trusteeship, and your completed bankruptcy case. Upon the completion of a XXXX XXXX XXXX plan the standing trustee files a Final Report and Account with the XXXX XXXX. The trusteeship does not report to nor correspond with the credit bureaus. After the Trustees final report is filed with the court, the presiding judge will discharge the trustee from the case and officially close the bankruptcy. As the status of the case changes based on the orders from the corresponding judge, the updated status become available through the courts electronic records. It is often the use of these electronic court records through which relevant parties are made aware of the status of a particular bankruptcy case. In addition to the courts electronic records, each creditor listed under the bankruptcy plan is also notified by the court of the discharging and closing of the case. Some of these creditors will update their own records with the credit bureaus so that the completed status of the case is reflected. 
Best regards, XXXX 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 2018-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am disturbed that the Credit Bureaus XXXX and TransUnion continue to list the bankruptcy that was Voluntarily discharged on XXXX XXXX, 2017 as confirmed in my credit profile. It is their policy to keep reporting bankruptcies that are adjudicated for ten years, but the Fair Credit Reporting Act, Section 1681c, mentions nothing about dismissals or fillings. The Law clearly states from the " date of adjudication '' or " date of order for relief. '' Any case, whether civil or otherwise, the bankruptcy no longer exists in the eyes of the law once dismissed, and never adjudicated. This is nonexistent information that should not be kept as public information. I am requesting that the Bankruptcy information is deleted from my Credit Reports and I request that a updated copy of my reports to be sent to me when the action is complete. I would appreciate a response on this matter within 14 calendar 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 explanation
Consumer complaint received 2019-08-05
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
The car I just purchased had problems 5 days after I got it The car was in repair shop over a week. Has problems driving it two weeks. I put XXXX down and last payment was on XX/XX/XXXX for XXXX every two weeks. My car got repo this morning and i tried calling over the weekend and emailed them to let them know I would make payment Wednesday

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 2020-02-18
Company: TrueAccord Corp.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received a random email this morning from a THIRD PARTY who now has all of my information, from a credit collector. The THIRD PARTY COMPANY is called True Accord, and the person who sent me this email is called XXXX XXXX. 

I did NOT request to sign up with this company for collection and I did NOT willingly give them ANY OF MY INFORMATION NOR THE RIGHT TO CONTACT ME. 

They are implying legal action as well as attempting me to make a payment arrangement through this email. I would believe this is considered fraud and very illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND NUMEROUS ACCOUNTS ONMY CREDIT REPORT THAT WERE NOT OPENED BY ME. THIS XXXX BEEN HURTING ME AS I AM IN THE PROCESS OF BUYING A HOME FOR FAMILY. PLEASE REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORTAS SOON AS POSSIBLE. 

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 explanation
Consumer complaint received 2023-11-01
Company: OneMain Finance Corporation
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I took out a title loan with one main financial about XXXX ago roughly. Unsure of exact date. upon taking out this loan I was forced to pay child support as well as arears child support, my house payment increased by upwards of {$400.00} a month, my house had a slab leak and flooded and was not covered by insurance due to the age of the home which was unware to me at the time of purchase of the home and insurance policy. This was a {$5000.00} repair not including cleanup. On XXXX of XXXX I owed {$11000.00} somehow now a year later XX/XX/XXXX while making set up half payments with them at 30 % or less interest I currently owe {$11000.00}. They call me all hours of the day and even nights and weekends. At home, work, even on my work cellular. I have phone records for proof. Sometimes before the due date. Even after I try to set up an installment plan I can afford or asking for deferment options they continue to call and harass. I have even given them dates to which I will be paid and tell them I can make a full or partial payments on a certain date. They will continue to call and harass me, my job, and my work cellular phone. When a partial payment is mentioned I am threatened with the loss of the collateral as it is not a full payment. I have tried numerous times to have my payments amended to something more affordable but continue to be harassed when paying what I can. As before mentioned I have been contacted XXXX or more times a day on all numbers after or on the due date when payment is not received. I have explained numerous times I have a wife and XXXX children and have to have a home therefore that payment must be paid first and have been told they didn't so much care for that as long as their money was paid back but after making over XXXX years worth of payments the loan started at {$12000.00} and is Currently at {$11000.00} and from {$11000.00} the previous XXXX ( XXXX ) until the recently passed XXXX ( XXXX ) have only gotten {$23.00} worth of credit towards the loan. Any help with this issue would be greatly appreciated as I am doing all that I can to provide for my family as well as fulfill without my obligation preferably not being harassed day and night at home and at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
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 have been disputing these accounts for over a year now. Each one of these accounts do not belong to me. Someone took my information and opened up these accounts without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of the accounts listed are not my accounts. I have been disputing these accounts for over a year and never got verification.

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 2018-12-28
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I applied for a loan consolidation with XXXX XXXX in XX/XX/XXXX because they already held a bulk of my graduate student loans. During the process of the loan consolidation, I indicated that I was unemployed and submitted an app for an Income based repayment on XX/XX/18 ; along with the app, I uploaded my spouse paystub to my online account with XXXX as directed by a representative. I received a text message from fedloan stating In order for my Income repayment plan to be considered I needed to upload supporting documents so I called in twice, once in XX/XX/XXXX and again in XX/XX/XXXX regarding this uploaded paystub ; I notified the reps each time that I had already submitted the paystub and each time it was confirmed they could see the paystub.On XX/XX/XXXX, I received notification the consolidation was completed with no mention of the income repayment plan. On XX/XX/XXXX, I received another text from XXXX stating my payment is coming due on XX/XX/XXXX, etc. so I logged into my account to see why I had a payment due when I had applied for a repayment based on my unemployment. When I logged in I see a notice stating I needed to provide a paystub for my repayment plan so again, I call into customer service and the rep tells me it was denied because they didn't know how often my spouse was paid. Once I told him where to find this information on the stub he advised me he would resend the app for review ; I was never notified or contacted about this missing information until I reached out to them to check on the status. As of today,, XX/XX/2018 my account is now showing in a 5 day delinquent status. I sent an email ON XX/XX/18 inquiring about the status of my repayment plan and the reply back On XX/XX/18 stated it's still pending as of XX/XX/XXXX and not the original date I submitted it months ago. I have not been able to get this escalated and resolved with XXXX ; I am only getting the runaround about my account that I have diligently attempted to resolve prior to going into a delinquent status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I applied to American Express Credit card. As two very XXXX seniors ; we seem to be easy target for predators of all kinds, including credit card companies. I was late once with American Express Card for the 1st time. I made the payment less than a week late. I was in a no interest charge promotional until XXXX. However ; American Express has very abusive policies. A consolidation company said I could consolidate and the consolidation company told me not to make payments this month. But I cancelled them becasue they were not efficient and want to be responsible enough to not let my banks down. By this time only 4 payments were late with 4 credit cards! I have a history of making payments on time 100 % of the time. I called AMEX to reverse the interest, being the first time, and was denied. They charged me {$100.00} just for one month! Therefore ; their policy is so abusive that just because we make one payment late they took me out of the no interest option and charges me 100 @ 30 %. I'll also be filling complaints online against them all over. It doesn't matter to them that the ratings online or 1 to 2 stars! CEO Mr. XXXX aexp.com and email XXXX@aexp.com. It's good to know, though, how abusive AMEX is so I won't due business with them! I will send him a copy of this email address. I was in a temporary financial dispute for my senior XXXX son 's benefits and resolved them!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-31
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Coinbase is locking selling options for people. Customer service is not responding to people. If customer service does respond, it is a spam email thats sent to everyone who has the same issue. It can take 30 days to get the spam email. People are being locked out of their accounts. We can not use our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
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: Was not notified of investigation status or results

Complaint:
I have XXXX lines of credit with XXXX XXXX, a line of credit with {$550.00}, a line of credit with {$500.00}, and a line of credit with {$1000.00}. 

I am showing many inconsistencies across bureaus that the XXXX credit bureaus are reporting. I have highlighted them to show their violations. Another major issue is these accounts are showing Account not Disputed status. I have disputed these accounts on XX/XX/23, XX/XX/23, XX/XX/23 via mail to the bureaus.

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