BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-28
Company: MidAmerica Mortgage Inc
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX, Mid America my mortgage servicer levied new debt to my mortgage balance. The servicer increased my mortgage debt to {$100000.00} an increase of {$6700.00}. My statement balance for XXXX is attached - {$96000.00} Mid America never contacted me regarding the new debt.

Mid America reported the new debt to the national credit reporting agencies and pursued collection. 

The actions of my mortgage servicer caused serious financial injury and undue hardship for me and my family. The new debt precluded me from accessing the interest terms that I was entitled to. Since Mid America made no effort to contact me, the debt popped up in the middle of refinancing our family home.

Mid America violated the Fair Debt Collections Practices Act previously on XXXX. I tried at that time to resolve their reporting errors directly with the servicer, also to no avail. However, Mid America did respond to the CFPB on XXXX after they received notice of my complaint XXXX # XXXX XXXX. Their response explained their corrections and confirmed adjustments submitted to the credit reporting agencies. That was my initial request. 

This complaint is for changing the legal status of my mortgage debt on XXXX, failing to contact me, and pursuing the collection of a false debt. This debt prevented me from closing on my new mortgage refinance with a new bank with more favorable terms. I had to accept the interest terms with the false debt attached to my credit file as valid and due, or lose all my fees and miss my closing date in the middle of my new refinance. 
Mid America damaged my creditworthiness, again, to potential lenders when refinancing my home mortgage.

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: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
All payments were made to XXXX XXXXXXXX XXXX XXXX within 30 days. I have all my payment confirmations. XXXX has reported that I have paid late on six occasions ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ). information was only reported incorrectly to XXXX and transunion, experian is correct. I have reached out to them regarding this issue on 3 separate times. And no replies or information were ever provided.

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2021-05-28
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tempted to open a new account with chase bank and as I inserted my information I was directed to the site to sign in because due to their system I already had a account with two different account usernames.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: OH
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XXXX I sent a letter regarding the unknown on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being extremely taken advantage of since my disputes have been ignored. Section 611 a plainly stated that failure to investigate these items within 30 days will result in immediately removing those items from my credit report. It has now been over 60 days so they should be deleted promptly or I will have to file litigation due to the stress and harm youve caused me. My information has been impacted by the XXXX data breach and may have gotten into the hands of the wrong people.

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 2023-11-16
Company: MOHELA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loan had been transferred to Mohela. I applied for PLSF. In XX/XX/, I called Mohela and spoke to them about receiving a reimbursement for the payments that I made during the COVID pause and for receiving credit for the payments that I made during an automatic forced in school deferment. I spoke to XXXX XXXX, c6007. I was told that the request would be processed and that it could take 60-90 days to be processed. I received a letter ( attached ) in mid XXXX stating that there was a correspondence processing delay. I continued to wait. I also applied for the SAVE program. I received confirmation at the end of XX/XX/ that I was accepted on the SAVE program and my payment would be approximately {$85.00} per month. I called back mid XXXX, again receiving mid XXXX a corresponding Processing Delay letter. Also in mid XXXX, I receive a letter about my payment terms and this letter states my payment is now over {$250.00}! I do not understand. 1 week later I was put into administrative forebearance, no reason why, no clear explanation. I called and never had the phone answered. So I emailed on XX/XX/XXXX. They told me to call in. I have been TRYING to call in. I am placed on hold, given the choice to hold or have a call back. I have done both and never answered nor received a call back. I received a letter on XX/XX/XXXX informing me that my loan payments would restart and they are back up to $ XXXX. I don't understand. I applied and was approved for SAVE. I have made well over XXXX payments for PSLF. I spoke with XXXX in XXXX and she said that my requests would be processed and it is over 90 days and nothing has been processed. I keep calling and just being placed on hold OR receiving no call back. This is ridiculous. I have earned to have my loans forgiven. I have earned my reimbursement for payments made during COVID. It is not my fault that the government keeps changing student loan providers, the providers have poor communication, are constantly giving false or inaccurate information. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: NJ
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:
An agent returned my call a few years ago from XXXX XXXX XXXX. 
My credit was bad. I was trying to get a card with low percentage. 
He said that card was at 16 % interest, compared to others that were at 29 % or something at the time. 
He convinced me that I was getting XXXX dollars at that rate. 
So, about a couple of days later, the card came in. 
Alone. 
No paper work attached! 
So, I went shopping and bought XXXX item for either XXXX or XXXX dollars. 
Within the next week the paper work came. 
When I realized that the guy lied, I called and left a message that I wanted to cancel the card. They said someone will call me back. 
A woman, a manager, called me and told me at a later date and told me that I was late on my payment. 
I think the late charge at the time was XXXX dollars. 
I explained what happened. By then, I had checked the reviews and they were terrible for XXXX XXXX XXXX. So, I told her that it wasn't right etc... 
I remembered to my surprise ( I was XXXX ) She answered that " it was me who misunderstood because of my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). So, I'll suggest you pay the money and get on with it! '' Ha. 
I hang up and I paid what I owed. 
In it's entirety. 
Then, I cut the card up and was done with it. 
XXXX XXXX - I've attached a copy from XXXX where anyone can see that the dates on the report don't make sense at all. 
I am asking XXXX XXXX XXXX to please provide me with all records because they should not do this to anyone.

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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
There is a hard inquiry on my TransUnion report from XXXXXXXX XXXX XXXX dated XX/XX/XXXX. I did not apply for credit w/XXXX. I've sent dispute letters on XX/XX/XXXX, XXXX XXXX XXXX and XX/XX/XXXX. Each time I received a letter stating that the inquiry will remain because the company said it was accurate. I reached out to XXXX Bank Delaware ( XXXX ) XXXX XX/XX/XXXX @ XXXX XXXX. I spoke to a representative ( XXXX ) that searched their database and advised me that there is no record of my full social security number used to apply for credit. I was advised to call TransUnion and advise them that nothing was found. I called TransUnion ( XXXX ) XXXX @ XXXX XXXX. I spoke to a representative ( XXXX ) that said they can't remove the inquiry without a letter from XXXX XXXX  stating that I did not apply for any credit. I called XXXXXXXX XXXX XXXX again @ XXXX XXXX. The representative stated that they can't give me a letter regarding not finding any application containing my full social security number. I was again referred back to TransUnion. I'm getting referred back and forth without any resolution.

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 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To whom it may concern, I did not give my written permission to publish the following hard inquiries on my credit report. XXXX XXXX XX/XX/2023. According to the FCRA, this is against my rights. Please delete

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 2023-03-16
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a Citi Rewards card that gives 2 % back. Starting in XXXX I have been unable to redeem these rewards. This is something that used to be very easy to do online. I have had many chat sessions and phone calls and the reps are also unable to redeem my points. They keep saying that it is a computer issue and that they are working to fix it.

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 2019-03-18
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2019 an unauthorized hard pull was executed on my credit report by XXXX. I have never heard of this company, and I have not applied for any loans or mortgages. 

On XX/XX/2019 XXXX XXXX XXXX executed an unauthorized hard pull on my credit report. This happened after I answered questions about home security.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
You have no rights to report this XXXX in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this XXXX to you and this is from an unauthorized third party!

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
According to my research about FCRA 605, XXXX and TransUnion Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2022-05-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was informed in XX/XX/2022 by XXXXXXXX XXXX that an account alleging a debt in my name in the amount of {$1900.00} was assigned/sold to Portfolio Recovery Associates , LLC ( PRA ). 

I disputed this alleged debt in a XX/XX/2022 letter to PRA. I have never held, owned or used an XXXX XXXX XXXX XXXX issued by XXXXXXXX XXXX I asked that PRA produce the relevant contractual agreement between me and XXXX XXXXXXXX XXXX or XXXX, that contains my signature, and proof of any purchases in connection with this alleged debt were made or authorized by me. 

PRA responded by providing the referral letter XXXX XXXX sent to them. In correspondence dated XX/XX/2022, I called out PRA for their failure to substantiate this alleged debt. 

Their response on XX/XX/2022 was that they have responded to my request and consider the matter to be closed. 

I am not responsible for this fraudulent debt, and it should be removed from my credit report immediatley. PRA 's collection efforts should cease, and any harm to my credit report corrected. This has impacted my ability to refinance my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX my teenage son and I went to get cash from a XXXX machine using his Bluebird Card. He inserted the card into the machine and requested {$40.00}. The machine generated an error code and then reset with no cash dispensed. He tried a second time and this time it worked. The women ahead of him also had issues with the machine before he did. When we got home, I looked and he had two {$40.00}  transactions debited. We immediately contacted the credit card company the they started an investigation. After two weeks of not hearing, I called and they told me that they were not credited him back {$40.00} for the first transaction. No cash was dispensed for the first transaction that ended in an error message at the XXXX machine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A company by the name of ARS Account Resolution Services has tried to falsely attempt to collect a debt on medical debts in amounts that are inaccurate and not owed. I personally contacted my insurance provider XXXX and pulled up all the claims via the online portal and spoke with a representative named XXXX ; He reassured me that these debts were in fact paid and that the amounts ARS were trying to collect on behalf of a medical service provider were indeed a result of error or negligence. I contacted ARS via telephone today XXXX, XXXX, XXXX at approximately XXXX est and spoke with a rep by the name of XXXX and I explained to her the situation and that I wanted the debt to be removed from my credit report under consumer law 15 U.S. Code 1692e ( 2 ) ( A ) A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. 

I have been disputing these debts since XXXX and it's really been an emotional strain on me and I want these resolved immediately!

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 2020-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The payment process from Kohl 's is very shady. I have had an account with Kohl 's for over 10 years and never had a problem with payment. My account is paid by Autopay and was just recently informed that you have to update your autopay account with they every few months or they will not pull the payment. This is a very shady practice since " no company '' with autopay makes you update your bank account information. I also have not been receiving my account statements so I was not aware of the issue until I was almost 60 days late and then they called me to tell me they were putting me into collections unless I paid the balance. The bank account that I use to pay this account is one of several accounts so I did not think to check it to verify since I thought they would just remove the payment. This is a very shady practice to not only collect late fees but also interest. I paid the full amount and they credited my account for the late fees but not the interest and also added a 30 day late to my credit report. When I requested that they remove the delinquency from my credit report they told me that the info is correct and they will not be clearing it. 
I am not the only one that has had this issue. My XXXX   also said that she was charged a late fee and called about non payment as well and I am sure that many others have had the same thing happen. I think this needs to be investigated. 
Also want to mention that when the rep called me to make payment he used my bank account on file to pay off the amount owed. If they have that information why didn't they just pull the funds and not cause me to have a late payment and also ding my credit report. ( Seems to me this is a way for them to collect additional fees and interest )

Company response to consumer: Closed with explanation