BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-14
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: Investigation took more than 30 days

Complaint:
i received as part of and lawsuit settlement from transunion an credit monitoring product called my true identity this product was to continue for 3 years and give me full access to all functions of the website. 

http : //www.XXXX/ The class action settlement was approved on XX/XX/XXXX, by the federal court in XXXX XXXX. Letters were mailed to all class members on XX/XX/XXXX, containing information about credit monitoring services. 
UNITED STATES DISTRICT COURT NORTHERN DISTRICT OF CALIFORNIA Background Infomation XXXX XXXX XXXX and XXXX XXXX XXXX ( the Class Representatives ) both filed class action lawsuits against TransUnion relating to the erroneous display, on certain credit file disclosures obtained online in XXXX, of information about the Office of Foreign Assets Control ( OFAC ). The lawsuits were filed under the Fair Credit Reporting Act ( FCRA ). 

The XXXX XXXX and TransUnion have reached a settlement of the lawsuits. The settlement provides that TransUnion will write a letter of apology to each class member, explaining that the OFAC information was included in the online disclosure due to a programming error, but was not transmitted to any third parties such as lenders. TransUnion corrected the programming error in XXXX, soon after it occurred. Further, TransUnion will offer each member a free, three-year Credit Monitoring Subscription, which includes daily access to TransUnion credit reports and daily access to a credit score. 

upon establishing this account i can not use the dispute process and have been transferred to many..many transunion representatives to no success in using the website or transunion contacts even including the special handling and attorney representatives as well. 

i believe i am being discriminated against because the of the lawsuit settlement. 

this has been the same ongoing practice since XXXX XXXX. 

i have filed complaint after complaint and still no resolve.

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 2021-01-15
Company: PNC Bank N.A.
State: DE
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We absolutely are finished with PNC. After 22 years of having accounts and mortgages with them, we are pulling our accounts, including our mothers investment accounts. We wanted to refinance our loan after we received paperwork from PNC stating rates have dropped. We were taking some cash out as well since we had plenty of equity. 10 times what we needed. That was XXXX. Since then, weve been shuffled off to 16 different loan advisors. No one calls us back. When we call and complain, we get another loan advisor and need to start over. They are needing a piece of paper that they have, but say is not sufficient, I actually called and retained a lawyer to get what they needed. One person says its not sufficient the other says it is. I get a call today looking for paperwork but asking for proof residence for someone else. They dont even know what they are doing anymore. I talked to XXXX XXXX who said he was a supervisor but spoke to me like he was reading off a script. He couldnt. Or explain why what I had was not sufficient or anything else. When I asked to speak to his supervisor, he told me no, that there was no other person I needed to speak to. He was rude. I told him about all our issues. It once did he apologize until I called him out on his unprofessional attitude and the fact he didnt apologize. Finally he said Im sorry you feel that way. Please listen to all themtraining tapes. We have paid $ $ out of our pockets for the construction we were having done in XXXX because of all these issues. Credit score of XXXX and we hold a mortgage with you, but it takes 6 months to do your job. 

I have all names, times and dates of contact with company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 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 a account without my 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 plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
This is my 5th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX XXXX XXXX XXXX XXXXWASHINGTON, DC XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX Balance : {$0.00} 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 2021-01-15
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later i have not received a response yet. I understand the times we are in right now but at this point I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. At this point it has been over 60 days so they should be deleted promptly.

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 2023-10-10
Company: Colony Brands, Inc.
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Back on XX/XX/XXXX I sent a letter to the credit agencies requesting verification of any documents bearing my signature. As of XX/XX/XXXX I have not heard anything from the creditor or the credit agencies about this account. I have not received any documentation bearing my signature. Please I would like help with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage has not recognized our payments and continues to lack in response to effectively resolve our confirmed payments by XXXX XXXX. Loan recently sold to XXXX XXXX, with a forward of the outstanding payments, that were made in full and on time. XXXX has started a foreclosure process. We have full documentation and confirmation of all payment completed and cashed. We are in full support of moving forward with litigation against Shellpoint, XXXX XXXX CEO Shellpoint and team. This is completely unacceptable. STAY AWAY from Shellpoint!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
To Whom It May Concern : I have an American Express XXXX Honors card. One of the primary reasons for paying the $ XXXX  yearly fee was that they offer a complementary hotel room certificate after charging $ XXXX to the card. This certificate is impossible to actually use. I would like CFPB to force AMEX to honor the cardholder agreement and force AMEX to honor the agreement as it pertains to this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I hope this letter finds you well. I am writing to seek assistance and guidance regarding a matter of significant concern involving a legal action initiated by Best Buy, a retail company, concerning an account that I have no knowledge of ever opening. I am deeply troubled by this situation as it has had a significant impact on my financial well-being, and I am unable to resolve it through direct communication with the company. 

Here is a brief overview of the situation : in XX/XX/2023, I received notice that Best Buy has filed a lawsuit against me for an account that I have no knowledge of and believe to be an error or a case of identity theft. 
Despite numerous attempts to communicate with Best Buy and request information about this account, they have not provided me with any details or evidence that this account is genuinely mine. 
I have not received any documentation that would confirm my responsibility for this alleged debt. To the best of my knowledge, I have not engaged in any transaction with Best Buy that would warrant such legal action. 
This situation is causing severe distress and financial hardship for me, and I believe that my rights as a consumer are being violated. 
I kindly request your intervention and assistance in this matter. I would appreciate any guidance you can provide in resolving this issue, including steps I should take to confirm whether the debt is valid or if this is a case of identity theft. If necessary, I would also appreciate any assistance in compelling Best Buy to provide the necessary information to prove my liability for the debt they claim I owe. 

Your prompt attention to this matter is greatly appreciated, as it has caused significant stress and financial burden. I am eager to resolve this issue and ensure that my rights as a consumer are upheld. 

Thank you for your assistance in this matter.

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 2023-06-06
Company: Experian Information Solutions Inc.
State: IL
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 explanation
Consumer complaint received 2022-10-12
Company: MOHELA
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Hello. I recently transferred from XXXX to Mohela. I've had 120 qualifying PSLF payments since XX/XX/2022. I have tried almost daily to call Mohela to ask if I either ( a ) should just continue to wait for final forgiveness, or ( b ) need to submit another employment certification form before XX/XX/XXXX. The average wait time is over 90 minutes. On multiple occasions the phone just hangs up or gets caught in some error recording loop. I have also messaged them twice and have not heard a response. I have been unable to speak to someone from Mohela. I am trying to identify how long I should wait for my loans to be " zero 'd out '' or if I need to submit another form.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had some suspicious activity happen to my online banking. So bank if America decided they would no longer access to. My online banking until I showed up in person to a branch to prove my identity. Now this is after I've had my account for 4 years never had an issue never overdrawn never bounced a check. So the problem with this is, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I've been calling begging proving my identity over the phone the phone for over a year and half. You'd think to there would be notes in my account. Also I like using cash app and gave been for about 11 months every transaction has been a cash app transfer or bill pay ect. Well every month on the 3rd every transaction which is done by me they flag it and force me to sit on my phone for 6 hours some times longer to calm the security of suspicious activity alert and revoke my transaction. This has been going on the past 3 months now. So I would love to link my account by providing my log in credentials to other app such as XXXX XXXX  XXXX but since I have no online access I'm limited and forced to call at least 1 once a day if I choose to pay a bill or send money to my landlord to stop any and all flagged transactions. I feel like because I'm unable to get to a branch there punishing me because of my XXXX, all I want is full access to my money like everyone else. There have been emergencies were I couldn to get medicine or even help my grandbabies with hospital bills because they've locked my account once again due to my transactions

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 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Transunion refused to explain or tell me how they verified the XXXX   XXXX account. It also says i last paid in 2017

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 2023-01-23
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received a letter via mail, from my loan servicer ( XXXX XXXX  Servicing ) that my loan was being transferred to Shellpoint, and would be effective as of XX/XX/XXXX. Prior to this notification XXXX Servicing and myself had already completed a loan modification after the forbearance had ended and this was effective as of XX/XX/XXXX On XX/XX/XXXX I received documents from Shellpoint alleging that my loan was XXXX  days delinquent and XXXX was due. It appears that Shellpoint is attempting to disregard my contractual agreement with XXXX XXXX. I am requesting that Shellpoint validate these allegations with all documents that I am XXXX delinquent which includes the payment history to collaborate the allegations that I am XXXX behind on this mortgage. Furthermore, I would for Shellpoint to clarify where my payments on this loan are being held because their claim is that it is in XXXX or more suspense account ( XXXX ) I would also like a payoff letter stating the amount that is owed at the present time on my mortgage regarding my property. 

CARES act rules state that mortgages in forbearance should not be reported as having late or missed payments. And the forbearance plan should not harm your credit score. Therefore I am requesting that Shellpoint refrain from reporting any negative issue regarding this loan from being reported to any credit bureau until these errors of resolution are resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
When I attended XXXX University, their staff encouraged me to get a co-signer on my student loans. They told me that I just had to make consistent payments for 1-2 years, and prove I could make the payments with employment, and I could get my co-signer removed from my loans. In talking with Sallie Mae customer service years back, I was informed of the same information.

Over the last couple of years, I've made multiple attempts to get my co-signer removed from 4 of my loans, yet I consistently get denied.

I've made at minimum 2 consecutive years of paying over and above the principal and interest on all 5 of my loans as well as I always pay in advance.

In reviewing my account online, all 5 of my loan accounts are up to date, and have been consistently up to date since XXXX. 

This month I applied yet again, I submitted proof of income by sending my XXXX income tax return. I've been employed with my current employer for over 4 years. My income was over XXXX for XXXX. I've submitted proof of my degrees to Navient multiple times. 

Yet they again denied me. 

Please know that in XX/XX/XXXX when I began making payments my total balance was {$140000.00}. Today my balance is {$99000.00}. This is a reduction of {$44000.00}. I am someone who takes this seriously and my payment history with Navient proves it. 

In addition, I have paid {$19000.00} in interest in XXXX alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Affirm Holdings, Inc
State: CA
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:
Yes this is a fraudulent account I have never open an account with XXXX I have tried to fix this with and they keep saying is verified they said because of a Address that I reported as far as well i have filed police report. I just want this taking care of it is causing XXXX XXXX and Im talking with lawyers now I have tried too many times to prove this is a fraudulent account and they are not doing their job

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
I was told by a representative that the payments were not late and no late fee charged, but credit report states two late 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 2021-01-15
Company: EQUIFAX, INC.
State: TX
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 a medical collection reporting from XXXX XXXX Services with the original creditor of XXXX XXXX XXXX XXXX XXXX XXXX for {$1300.00}. I had never heard of this doctor before seeing this on my credit, and never went there. I disputed it with the bureaus and never heard anything back on it, or received any verification, and it's still showing on my report.

Company response to consumer: Closed with explanation