BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  and Transunion should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2019-02-22
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In XX/XX/XXXX, I was notified by XXXX that I had adverse credit reporting by XXXX XXXX. I contacted XXXX XXXX and found out the my loan was 120 days late. I had not received any notification from XXXX XXXX  concerning this. I immediately remedied the past due amount and made timely payments for a couple of months. I also filed a dispute concerning their reporting due to the fact that I was never notified by XXXX XXXX. I was denied any remedy to my credit report. I again contacted XXXX XXXX on XX/XX/XXXX regarding my dispute with their credit reporting and the fact that I was never contacted. I was informed that their records indicate that I had been notified by letter and by phone calls. I have never received any letters nor phone calls from XXXX XXXX. I believe that someone within their organization has falsified their records. I have always had a high credit rating. This action by XXXX XXXX has ruined by credit. I have always paid my debts in a timely manner. XXXX XXXX   refuses to make any changes to their credit reporting. I was never contacted by XXXX XXXX. I am the one who contacted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: CITIBANK, N.A.
State: NH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Attempting to find out information on Citibank and XXXX XXXX XXXX 's policies on loaning firearms manufacturers funds for business continuity. If these institutions are following thinly-veiled threats from anti-Constitutional politicians, how do we proceed to protect ourselves from abuse?

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 2018-08-21
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
MY OLDEST ACCOUNT IS NOT BEING REPORTED. 
MY OLDEST ACCOUNT IS ( XXXX XXXX/XXXX ) FROM XX/XX/2015 credit agency is reporting the wrong information. My oldest acount is ( XXXX XXXX/XXXX ) it is over 3 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
MY OLDEST ACCOUNT IS NOT BEING REPORTED. 
MY OLDEST ACCOUNT IS ( XXXX XXXX/XXXX  ) FROM XX/XX/2015 credit agency is reporting the wrong information. My oldest acount is ( XXXX XXXX/XXXX ) it is over 3 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Santander Bank Violated the Fair Credit Reporting Act by not verifying and validating her mortgage debt as requested on XX/XX/2015. The  Defendants wrongful course of conduct is as stated to be unfair billing, not providing license to collect a debt, and not providing a validate OMB Control Number under the Paper reduction Act 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 2018-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I have been a victim of identity theft.

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 2021-01-20
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX, I attempted to refi my mortgage through 5 company which includes my current mortgage holder. Because my debt to income ratio is high due to retirement, I was refused. After filing a complaint, my current mortgage holder suggested a Covid forbearance plan : " You have been approved for a Forbearance plan. We know these are challenging times, so in order to provide you with short-term payment relief, we have accepted your forbearance request and your plan is now active. '' I accepted this as a stop gap to save my home that was purchased in XXXX. My Point of Contact ( POC ) said that a refi can not be performed because of the debt to income ratio and because of the investors ' interest. 

Well, now that I have been approved for the Forbearance Plan, I am receiving email offering : " Thinking about buying a new home or investment property soon and wondering how you can save more with PennyMac? Let us count the ways ... 

{$1100.00} Discount* Historically Low Rates Low Down Payment Options Homebuyer Tip : Get your free pre-approval with a PennyMac loan expert before you start home shopping! Then youll be ready to make offers and take advantage of your discounts with PennyMac. '' I realize that this advertisement is not a guarantee loan. I can not qualify for a refi but receive information regarding financing with new home loan at lower rates. 

Why not protect your " investors '' with a reliable home mortgagee holder with a permanent lower rate than a temporary fix?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I went to the hospital sometime in I believe in XX/XX/2013.I didn't have insurance at the time or a job.I specifically told them to not do anything unless I qualify for free care.I applied for free care which they made me do and should have qualified with no problem because there was no income. Why I didn't receive it till this day I have no idea. But it definitely should of been covered. I called way back and told them this and also told them to please do no test unless I have coverage.I assumed that I had free coverage because they ran some tests.I later received a bill for {$5700.00} that was reported to all three credit bureau's.I called and disputed this bill but they have me jumping through hoops every time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: HCFS Healthcare Financial Services of TeamHealth
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a duplicate biill and i was on XXXX  at the time. im being charged the exact same amount for a charge they refused to blil insurance for. Please remove both. Im following with a duplicate dispute as well.

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 2018-02-25
Company: SECURITY FINANCE CORP
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This debtor will not validate ownership of this debt. They continue to insist that I owe them money for a loan that I did not apply for. I asked for the application verification, etc..to no avail. They menacingly called my home, threatened to negatively report to CRA, repeatedly and stopped by my home personally leaving cards, and quizzing neighbors of my whereabouts. Now, it has shown with a negative impact on my credit report and I want them held accountable. I have asked numerous times to review the loan application that I supposedly completed. I get no cooperation other than threats of damage if it remained unresolved. I would like it resolved once and forever, now.

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 2021-03-25
Company: Village Capital & Investment LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I was very ill XX/XX/2020 and unable to work or to locate and submit paperwork. I was laid off from my job on XX/XX/2020 due to the COVID pandemic. I asked my mortgage company for help. My mortgage company said I would have to fill out and application and hope to be approved. I read online that the CARES act is not supposed to have an application. My lender still will not allow me to be on the forbearance without filling out an application and applying. I have a XXXX XXXX backed loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2018 XXXX reported my account as enrolled on a consumer credit counseling service. That action prevented my XXXX-year-old bank, Bank of America from extending a loan for a new vehicle. Bank of America had 3 of my homes, my auto and has never being paid late, by denying my application without even considering my credit record, current income and impeccable history with them, they are discriminating against me under the FCRA act. 

There is no difference between a person like me that negotiated a re-payment plan with a few credit cards and never defaulted and a person that either has horrible credit or bankrupt. That is unfair to me and any other party that has kept their re-payment agreement as negotiated several years back. 
We are suffering the same faith as a bankrupt person. There is no incentive on us trying to protect our credit, we still get XXXX balled. 

I did not cost any of the credit cards income or default on their books. I just negotiated a better rate that they do offer to other clients. This is not fair under the terms of the FCRA. 

Please advise of ways to correct this. 

Sincerely XXXX XXXX XXXX Member of the Texas 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 2018-06-21
Company: AES/PHEAA
State: CA
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:
In XX/XX/XXXX, I received a letter from XXXX XXXX indicating the total number of qualifying payments going toward my PSLF. This number is a complete MISCALCULATION. I called them immediately and asked them to review my file and they said to wait for the manual review. From XX/XX/XXXX-XX/XX/XXXX, I had contacted them 6 times asking for updates/status on the review process and every time they indicated that indeed it's still under review. Then, on XX/XX/XXXX, I talked to this rep who stated that my file was actually not under review and he will start the process for me. He did know why the previous reps told me that my file was under review. Then, from XX/XX/XXXX to present, I have contacted XXXX XXXX 5 times to ask for updates/status on the review process. Again every time, they say it's under review. I specifically asked to speak to their manager each time. I also suggested them to look at my file and they all agreed with the miscalculations, but stated that they can not do anything except to wait for the manual review to be completed. I have waited and waited. It has been over 1 year since this whole process started. I still haven't heard anything from XXXX. I'm frustrated that this whole process has taken this long and that the reps were giving false information to the borrowers. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-02
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Bread Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Person by the name of XXXX XXXX ( ex. XXXX ) has been reaching out to contacts on my XXXX XXXX account and informing them of my debt with XXXX Bank. She has left voicemails with relatives and non-relatives threatening to take further action if I am not reached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-05
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: Personal information incorrect

Complaint:
To Whom It May Concern, Starting in XX/XX/2022, I have sent multiple letters to XXXX, Experian, and XXXX regarding an incorrect name on my reports. Nearly 6 months later and that name has not been removed. 

If any erroneous and/or derogatory accounts are added to my reports under this name, it will have a massive impact on my credit scores. For this very reason I have been trying to resolve this directly with the bureaus, with no luck and NO RESPONSE. 

I find this completely unacceptable and may result in pursuing legal action if this is not remedied IMMEDIATELY. I have attached a screenshot of the personal information on my reports.

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 2021-07-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 


-- AUTO LOANS OR LEASES 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: AES/PHEAA
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been owed a {$2400.00} refund for an overpayment to XXXX, when I refinanced my loan with XXXX. XXXX has known about this since XXXX when they were paid in full by my new loan handler. I have filed a formal complaint with the XXXX XXXX XXXX and after a month, they just filed my complaint as " unresolved. ( Unresolved complaint filed with XXXX, ID # XXXX ) The XXXX have been unable to obtain my refund. XXXX suggested I contact your organization to look into this. I have been getting the same, nonsensical lack of information from XXXX since XXXX when I discussed with them that the instructions I followed for refinancing with XXXX would result in a large overpayment. They told me originally don't worry as it will be refunded ASAP. It has now been more than 4 months since XXXX received a payoff amount from XXXX and XXXX has not refunded the money to me or to XXXX. Should I file a lawsuit? A police report for theft?? Please advise. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021, I used a Debit Card and sent {$200.00} via Western Union to a relative in XXXX. The total amount was {$200.00} which included a {$5.00} fee. 
On XX/XX/XXXX relative went to pick-up money from Western Union in XXXX and was not able to get money. I called Western Union and was told that the transaction was denied because of a business decision. My complaint is since the transaction is being denied, I should get a refund immediately. However, Western Union stated that they will issue a refund within seven business days. If the transaction is denied, why is my money not returned upon denial. That is bad business practice. If denied, the refund should be returned to my account immediately not seven days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: EQUIFAX, 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:
It's been 4 years dealing with a collection company called XXXX They have been inserting unverifiable accounts in my credit report I have disputed numerous times and accounts are deleted for months then reinserted again without notice nor verification/validation on there behalf as proof of owed debt All accounts are reporting in equifax, XXXX, and XXXX. 

Attached proof of removals and disputes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21
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:
It's been 4 years dealing with a collection company called XXXX They have been inserting unverifiable accounts in my credit report I have disputed numerous times and accounts are deleted for months then reinserted again without notice nor verification/validation on there behalf as proof of owed debt All accounts are reporting in XXXX, transunion, and XXXX. 

Attached proof of removals and disputes

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 2020-08-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I apologize for the delay in my payment.i was laid off from my job and the financial stress had caused me to fall behind on my payment.as your records indicate I have been an excellent customer with a good payment history until the economy took a dive.i enjoy being a loyal customer of Toyota motor credit corporation an I would greatly appreciate it if you would give me another chance by deleting the 30 day late payment mark on XX/XX/2019 on my XXXX  credit report.thank you for taking the time to read this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This case was closed by CFPB and it has not been resolved XXXX. 

Wells Fargo has put a provisional credit on this account. They have not given an explanation to me why it is taking them since XX/XX/2018 to fully resolve this. They are still looking into it. 


This case needs to stay open until an explanation is given. 

Also I still feel that I need to be compensated for all my time that has been put into solving this problem. Long wait times on phone ... Long wait times sitting in the branch. People at the ATM division that can not seem to fix a simple problem. 

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 monetary relief