BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-07-20
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2019-11-01
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX not mine COLLECTIONS XXXX XXXX XXXX {$1200.00} not mine XXXX XXXX XXXX {$690.00} not mine XXXX XXXX XXXX {$720.00} not mine XXXX XXXX XXXX {$280.00} not mine XXXX XXXX XXXX XXXX {$85.00} not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
To Whom It May Concern, I am writing to formally bring to your attention a matter of great concern and urgency regarding a COVID forbearance issue that has arisen with my mortgage lender, UWM ( United Wholesale Mortgage ). I understand that the Consumer Financial Protection Bureau plays a vital role in safeguarding the rights and interests of consumers, and I hope to receive assistance in resolving this matter. 

I was granted a COVID forbearance, which was a lifeline for me during a challenging period, and it was in effect until XX/XX/2023. However, upon the conclusion of the forbearance, I received a statement from UWM that requested an unmanageable lump sum payment of {$40000.00}. This action appears to be in direct violation of the Consumer Financial Protection Bureau 's policy, which expressly prohibits requiring individuals who were on a COVID forbearance from making lump sum payments at the conclusion of the forbearance period. 

I have reason to believe that UWM, along with other lenders, may not be adhering to the CFPB 's regulations, particularly when dealing with minority borrowers like myself. As a military veteran who was willing to make sacrifices for the safety and values of our nation, it is deeply disheartening to have my rights violated by a United States company. I believe that no borrower, regardless of their background, should be subjected to such unfair and unjust treatment. 

I am seeking your assistance to rectify this issue promptly and ensure that UWM complies with the regulations set forth by the CFPB. I am willing to work with UWM to establish a repayment plan that aligns with my financial capacity, as per the guidelines and principles established by your organization. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter, hold UWM accountable for its actions, and ensure that my rights, along with those of other borrowers, are protected and upheld. Any guidance and intervention you can provide to address this situation would be greatly appreciated. 

I look forward to a swift resolution of this matter and the restoration of my financial security. Please do not hesitate to reach out to me at [ Your Phone Number ] or [ Your Email Address ] if you require any additional information or if you would like to discuss this matter further. 

Thank you for your attention and understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Atlanticus Services Corporation
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I applied for an Aspire Credit Card, which was promoted as having no annual or monthly fee. After about 12 months of use of the card, Aspire apparently changed its fee structure and started charging me a $ XXXX fee, which I did not notice until today. I carried a balance on the card until paying it off in full earlier this fall, so did not notice the extra $ XXXX in charges. 

Aspire invited me several times to sign up for XXXX of statements and notices, but I prefer paper notices, so I never opted-in to XXXX 

Despite this, XXXX apparently never notified me in writing of its new fee structure. I asked when they mailed me notice of the new fee, and they told me I was sent an " email notice '' in early 2023, But if such an email was sent, I never saw it. I recieve hundreds of emails a day, so if such an email was sent, I did not see it. 

As such, I have apparently been charged $ XXXX for at least XXXX months, without notice to me or my consent to such charges. I would like to be refunded for any of these charges that were placed on my card. In a phone call with customer service, I was told that the $ XXXX maintenance fee is " automatically added '' after the card account is open for a year. I do not recall any disclosure of this escalating fee structure. 

When I called to cancel my account, the first XXXX customer service representatives told me that a request to cancel my account would take " 45 days '' or " XXXX business days '' to process, and that the $ XXXX fee would be deducted during that time. Only after I identified myself as an attorney did the customer service rep ( the XXXX one I spoke with ) agree to cancel my account more quickly, and to remove the existing {$10.00} balance ( XXXX monthly maintenance fees ). 

This undisclosed increase in fees and XXXX cancellation period seems extremely sneaky to me, and since XXXXspire markets itself as a " credit recovery '' credit card, I suspect Aspire is deliberately taking advantage of unwary consumers. I signed up for the Aspire card because I recently exited a personal bankruptcy, and Aspire was the only " XXXX XXXX XXXX credit card that did not charge monthly or annual fees.

Secretly charging a monthly fee added after XXXX XXXX feels like a bait and switch deliberatly structured to mislead consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-12
Company: Westlake Services, LLC
State: GA
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. The information listed does not relate to any transaction ( s ) I have made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my 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 2023-11-12
Company: CITIBANK, N.A.
State: TN
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 convergent Account # XXXX has violated my rights. 15 USC 1681 Section 602 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 an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plans as late for and purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2019-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have contacted Transunion multiple times requesting an investigation to verify the debt and asked who opened and signed for this account. I also ask them to remove this fraudulent account reporting in my consumer file that does not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The account listed below was opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The account is noted as 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 2023-04-05
Company: MOHELA
State: MO
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:
During the Covid 19 pandemic, I paid my student loans, thinking that I was doing the right thing and mature thing in order to pay them down. I later learned about the public service loan forgiveness program, and the waiver that they had, and in order to get my counts to where I needed it to be I needed to consolidate my loan, so I went ahead and consolidated my loan as I was told to do. In the process I was at no time informed that after consolidating, I would not be able to get my COVID-19 payments back. On the website it specifically states that if you pay during COVID-19 you can request the money back it does not say anywhere that you can not get the payments once consolidated unless you look specifically under the Biden plan which has nothing to do with what I am discussing. There is also nothing under the consolidation portion, indicating that if you consolidate, you are not going to be able to get the COVID-19 payments back. At no point during the process did anyone tell me or warn me that this was going to occur. I am now losing out on thousands of dollars that I paid that I should be able to get back all because I consolidated my loan. Had I not consolidated I wouldve been able to get the money back. There is no difference in the consolidation or non-consolidation as far as me getting the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Loan Me took advantage of me at a difficult time in my life -- my husband had just died and I was frantically looking for a way to lower my expenses. They have since changed to XXXX. 
They are charging me 22.6 % on a 15 year loan on {$52000.00}. My dollar amount the credit will cost me is {$130000.00}. They are charging me a prepaid finance charge of {$17000.00}. As of my 26th payment, I still owe {$67000.00}. This just seems criminal to me. Can they do this legally? In addition, I'm not allowed to schedule an automatic payment from my bank to them. They just take it out of my bank account. I'm just a little scared of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: Nelnet, Inc.
State: NY
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:
Nelnet takes advantage of people by delaying SAVE Plan purposely to apply more interest. They caused me a lot of interest that could have been prevented. XXXX of their agents XXXX said over the phone that it was their mistake and they should have done the XXXX plan initially. Multiple of agents took verbal permission to do SAVE plan initially but it never went through and they never updated me in attempt to collect more interest. Also I asked them to follow up with XXXX University on a loan that does not belong to me as I never attended that university, Nelnet refuses to get involved. If they claim to be an honest servicer, they have to stand for whats right! They refuse any cooperation in XXXX matters I stated here which are using the time to ignore peoples XXXX XXXX request and postponing their request to collect more interest and not cooperating on the ongoing issue with XXXX University.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: CHARLES SCHWAB CORPORATION, THE
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX I opened a checking account online. I was sent an email that said the account was approved and I could fund the account. XX/XX/XXXX I transferred {$500.00}. That money was accepted. The next day my account was suspended. I have called over 5 times and am told it will take 3-5 days. That was over 3 weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: CHARLES SCHWAB CORPORATION, THE
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Schwab staff ( XXXX XXXX ) told me I would be able to switch my accounts from my retail bank and my investment firm to Schwab and receive the same banking products at Schwab. I sent a detailed list of the accounts I needed to XXXX XXXX by e-mail and he verified that Schwab could facilitate that. After beginning the laborious process of transferring funds, I was informed that Schwab did not offer business or custodial checking accounts and, instead, brokerage accounts were opened for me by the automatic system, contrary to my wishes. Furthermore, checks were never provided, as promised, although I was told, at the time I requested my accounts to be closed, that they were on the way - some two weeks after initiating this process. Since then, money has been transferred by Schwab staff between my accounts, without my permission, by XXXX XXXX. An additional account has been opened without my permission, possibly by XXXX XXXX. Each Schwab staff member made different promises to me and each failed to deliver on these promises. Though promises were made to remedy these situations, by each of the aforementioned Schwab staffers, this did not occur. XXXX XXXX XXXX did not return phone calls. XXXX XXXX took no actions to help. XXXX XXXX seemed willing to help, but, at every step of the process, cited some reason that he was unable to remedy the situation. I have also reached out through the only avenue I could find contact info - XXXX - to XXXX XXXX, head of Investor Relations, but have not heard back yet ( less than one day has transpired. )

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 2023-11-12
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company XXXX XXXX XXXX XXXX is reporting on my consumer report fraudulently. I have no knowledge of this collection account. XXXX XXXX XXXX XXXX also committed Identity Theft. On XX/XX/2023 XXXX XXXX XXXX XXXX pulled my credit report without my knowledge or authorization. This is a violation of the FDCPA and FCRA. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Experian Information Solutions Inc.
State: MD
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:
Remove XXXX XXXX account from my credit report for inaccuracy. the date last active shows XX/XX/XXXX on XXXX XX/XX/XXXX on Experian and XX/XX/XXXX on XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: LEXISNEXIS
State: TN
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Requesting a Method of Verification Letter Dear XXXX XXXX, I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with US BKPT CT XXXX. It saddened me to learn that you somehow verified the disputed item, electing to leave it on my report. 
I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 
Very Respectfully, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX

Company response to consumer: Closed with explanation