BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-17
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or around XX/XX/XXXX we applied to US Bank for a refinance on our existing mortgage we have with the company. At first and up to the point of getting the application fee there was good communication. From there it just fell apart. We provided them with all the information they ever asked for but could never get a straight answer about how the process was going. A P & L had to be in by XX/XX/XXXX, year to month prior to the loan, XXXX through XXXX which we provided. We had an appraisal done on XX/XX/XXXX. XX/XX/XXXX is when they email wanting us to review the appraisal which we did and sent correspondence stating that one area of the information was incorrect. Never heard another thing, emailed and left multiple messages to no avail. Finally on XX/XX/XXXX after threatening to file a complaint we are emailed that our loan had been cancelled. We received no notification until after it was cancelled. At this point the loan officer offered to start the process over again but " fast track '' it. Apparently he put the application into the portal that we had been using during this process and neglected to tell us that. A month later and we are at the final straw he tells us it's been sitting in there for a month. Mind you, we no longer had access to the portal once the loan was cancelled. 
At this point I call US Bank 's mortgage department and file a complaint with a secretary who will pass it on to management. Call back two days later because it was a weekend and they have no record of the conversation and gentleman that we spoke with was unwilling to take any further information or help in any way. 
That was it! We have been trying to get a refinance with a company we have had a mortgage with for over 11 years for almost 3 months. Never missed a payment or been late once. We want to make others aware and we want our {$390.00} application fee returned to us. They have cost us thousands of dollars and much headache. It is obvious that it is in the banks best interest to stall and cancel this refinance, they are making much more keeping us in our old loan. 
We have every email correspondence to back up all this information. 
XXXX XXXX XXXX XXXX ID # XXXX Mortgage Loan Officer XXXX XXXX XXXX Mortgage Loan Processor 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 monetary relief
Consumer complaint received 2023-04-18
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Please provide this cease and desist notice to these crooks! I requested that XXXX XXXX XXXX XXXX XXXX office give me a hardship or charity fair write off for this {$30.00} copay!! I am off work on unpaid FMLA and have not been paid on six months. I dont have any money and am not paying it!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On three separate occasions i sent debt validation letters to Midland Credit Management, the FCDPA has outlined laws regarding debt validation letters, and part of it states that once a creditor recives a debt validation letter, ALL ATTEMPTS TO COLLECT A DEBT MUST CEASE UNTIL THE DEBT IS VALIDATED, AND THEY CAN NOT DIRECTLY OR THROUGH THIRD PARTY CONTACT OU. in my matter midland credit has circumvented the process by taking civil action against me. This is deemed as a third party attempt in that midland is seeking to have the courts to order me to pay the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In 2018, disputes letters were sent to XXXX, Transunion, and XXXX requesting they correct and validate the information on my credit report in accordance with Section 609 of the Fair Credit Reporting Act. If the information could not be validated by producing an original signed contract in accordance with the law, I requested the account be deleted. Each response, they failed to produce a signed contract. Transunion failed to date a response within 30 days of receiving the request. 

XXXX Letter Sent Date Co Rec 'd Date Response Sent Response XXXX XX/XX/XXXX XXXX XXXX XXXX Updated XXXX XX/XX/XXXX XX/XX/XXXX XXXX Will Not Reinvestigate XXXX XX/XX/XXXX XX/XX/XXXX XXXX Verified XXXX XX/XX/XXXX XX/XX/XXXX XXXX Will Not Reinvestigate XXXX  Letter Sent Date Co Rec 'd Date Response Sent Response XXXX XX/XX/XXXX XX/XX/XXXX XXXX   Updated XXXX XX/XX/XXXX XX/XX/XXXX XXXX Verified XXXX XX/XX/XXXX XX/XX/XXXX XXXX Updated XXXX XX/XX/XXXX XX/XX/XXXX XXXX Updated Transunion Letter Sent Date Co Rec 'd Date Response Sent Response XXXX XX/XX/XXXX XXXX No response -- -- -- -- -- - XXXX XX/XX/XXXX XX/XX/XXXX XXXX Updated XXXX XX/XX/XXXX XX/XX/XXXX XXXX Updated

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 2021-02-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
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 2 accounts that were closed and still showing a derogatory remark on credit reports. This company will not completely close these accounts. They have agreed to and then they charge them off but leave it in credit as negative. I have disputed it over and over and I have been told numerous times it will be removed from report. As far as negative on credit score. When I dispute it they just respond the same way. And one of these accounts were opened under my name fraudulently I have told them that numerous times and no one seems to want to help me. These need to be removed right away please. I am just trying to repair credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-07
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX, I took out an unsecured loan to help finance aircraft rental. The lender was XXXX XXXX. The rental company was XXXX  ( XXXX XXXX XXXX ) located in XXXX, FL. I fell on hard times and was unable to repay the loan. XX/XX/XXXX the account was closed. 
XXXX is reporting to the credit agencies that this was an education loan. In no way shape or form was this an education loan. XXXX  is not an accredited college or university. No degree was ever offered or obtained. 
As such, as of XX/XX/XXXX seven years has passed. This is the limit of ability to report and or a line item to remain on a persons credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Revolut Technologies Inc.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have several transactions refunded by the merchant. They say they have not received the refund. I have provided screenshot and proof or refund. I asked them to dispute the transactions as refund not received. They won't do it. Their customer care representatives are every arrogant. They don't listen or refuse to escalate the issue. I have XXXX $ of funds they're holding up and not releasing to me. 

There is no response for complaint registered with them on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-23
Company: DISCOVER BANK
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I applied for a secured credit card from Discover on XX/XX/2020. I secured the credit card with {$200.00}. After completing Discovers verification process, I was issued the card and had an open credit limit of {$200.00}. I have never charged one thing to the card. 

On XX/XX/2020, I was emailed a letter from Discover and it stated that the card had been closed by Discover because they were " unable to verify personal information ''. 

I called on XX/XX/2020 and spoke to customer service person, XXXX at XXXX XXXX CST to ask what exactly they couldn't verify and was told that they have no explanation. I then asked to file a complaint and I have not heard back from Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: STATE FARM BANK, FSB
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:
State Farm Bank insist in reporting a loan late on my credit even after I explain that was due from my ex wife. The divorce decree was provided to the State Farm and many times contact without a solution. Also the loan was under both our names and it has been reported only on my social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the following accounts in full. I am a single mother of 2 who has plans of eventually buying a house. I was denied. This motivated me to check my credit report and I realized that these accounts that I paid was negatively affectIng me. 
XXXX XXXX opened XX/XX/XXXX XXXX XXXX-opened XXXX, XXXX XXXX XXXX- opened XX/XX/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 2018-12-29
Company: PNC Bank N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I filed a loan application of home purchase to PNC Bank on XX/XX/XXXX, borrowing {$230000.00} ( 80 % of the home purchase ). 
The employee of PNC XXXX XXXX was handling the case. She was impatient answering my questions about the loan application and pushed me to the following steps, where I was stepping in troubles. 
She gave me the quote of the loan rate and credit based on the loan amount {$230000.00} on the phone and said would send the information we talked on the phone in an email. But she changed the loan amount from {$230000.00} to {$220000.00} ( 75 % of the home purchase ), which is hardly to find out because everything else like the rate, credit are the same as we talked on the phone. 
Things were getting worse when I tried to sign the loan contract, I found everything related to money is changed : down pay, rate, credit ( changed from {$6600.00} to {$6000.00} ). 
when I tried to reach out to her and understand what's going on, she refused to answer about this asking me contact her assistant XXXX XXXX, who hadn't involved in the quote and just simply told me to either accept everything in the contract or change loan amount from 80 % to 75 % of the whole purchase amount with different credit than the quote. 
I withdrew the loan application from PNC and ask them to keep my private information confidential. And I told XXXX XXXX I would complain to CFPB. 
She texted me blackmailing me in XXXX, still not answering why money related information in the contract is different from the quote.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: Experian Information Solutions Inc.
State: FL
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:
Please deleted this incorrect information.I have a 30 day late payment on XX/XX/2017 on my credit report. XXXX XXXX XXXX ACCOUNT # XXXX.I was never 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 2021-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 XX/XX/XXXX I sent out letter to have the debit from XXXX XXXX removed as I filled it on my taxes as a cancellation debit XXXX form and the debit is still on my credit report. This debit is paid for now and should be up dated with XXXX XXXX XXXX XXXX  and XXXX  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 2020-07-23
Company: I.C. System, Inc.
State: IL
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:
I recieved and update on XX/XX/XXXX I believe that I had a collection account hit my report for outstanding debt that I knew nothing of or had. Then I called the agency had wrong address for me and no other info at all. Says I opened in XXXX on XXXX but I've had XXXX since 2018. Also I called to dispute with agency received no help and not only did they report to my credit once they then reported 2 more times XXXX  XXXX  total of 3 times they hit my credit report and AFFECTED it each time!!!! And I know that is not legal for them to do 3 times in 1 month.

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 2023-04-18
Company: CREDIT ACCEPTANCE CORPORATION
State: WV
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:
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action.

Thank you for your prompt attention to 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 2022-10-20
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX sent a hospital bill to a 3rd party reporting agency. Once that was done the original creditor wrote off the debt. A debt on my consumer report according to 15 USC 1692 a is abuse, deceit and unfair debt collection practice. I was harassed for a debt that wasnt validated and have suffered XXXX  XXXX as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Transunion continues to report old information and collections that were included in bankruptcy are still reported as open collections. The dispute functions on the website are not working and I was on hold on the phone for over 1/2 an hour, I could not wait longer. Transunion is used as part of an application process with XXXX and a recent application was dismissed entirely because of this foul report.

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 2022-12-17
Company: Experian Information Solutions 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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$390.00} ; XXXX XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX XXXX  Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$8900.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$550.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CXXXX 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 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

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 2021-02-17
Company: Experian Information Solutions Inc.
State: CA
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:
I called experian today because this account its showing wrong informacion, I need this account tho be deleted from my credit report.

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 2021-12-08
Company: Blackhawk Network Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a {$200.00} visa gift card from XXXX on XX/XX/21 and it was delivered Sunday XX/XX/21. I opened the sealed card and registered it. I went to use it within the hour and it was denied from multiple places, including XXXX. I called the number and the automated response had no option fitting my need not an option to talk to a representative. I called the next morning in hopes it was normal business hours and finally got a representative. The cards entire balance was used up by XXXX XXXX  charges that I did not make nor do I purchase anything from them as I have an XXXX. 
The representative was professional but I had to complete a form disputing the charges and can not use the card for an extended period while they investigated. 
I looked at the XXXX reviews and there are many with then same issue and many more complaints with the XXXX 
The only ones that could have accessed this card would be someone at XXXX or someone at Blackhawk Network Holdings Inc . However, there is no was XXXX would know all the credit card info and the zip code that was used. 
Blackhawk Network Holdings Inc Has a very serious security breech and are making customers jump through hoops to try and get their money back because of the companies inabilities. My information including my name, phone and address would also have been compromised leaving a security risk for identity theft.

Company response to consumer: Closed with monetary relief