BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-06
Company: United Shore Financial Services, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I just learned from my healthcare employer that I will be furloughed. Same day, I called my service provider, United Wholesale Mortgage, to learn what my options would be should i need to request a forbearance. My loan if backed my XXXX XXXX. UWM told me that XXXX XXXX offers no provision under The Cares Act to tack on any payment missed while in forbearance due to the pandemic ( UWM operator # XXXX ). They said there were no guidelines that allowed them to do that. I then asked for the guidelines. The operator could not provide any information and had nothing to offer clarity, except that what they were told was that tacking forbearance payments onto the end of the loan was not an option. But I looked at the provisions allowed by XXXX XXXX and a tack-on to end of loan is allowable. I explained that to the operator to no avail. The operator then told me that if I elected forbearance, all would be due at end, that I would be delinquent if not paid upfront, and an option was a payment plan ( up to 6 months ) that would run parallel to mortgage payments once I was able to resume. Another option, she said was to request a loan modification and then she told me that the interest rate could be higher, terms longer -- up to 35 years.. This last bit sounded like a huge amount of extra money for the service provider based on a limited # of missed payments. I would like my mortgage servicer to clearly outline the options for those requesting forbearance due to coronavirus layoffs/furloughs, as I believe the XXXX XXXX option is either not known to them, or they are willfully disregarding it. Either way, the options provided by the service provider will cause people to lose their homes with no way to make-up huge lump sump payment. This was not the intent of The Cares Act. Please help them understand the options. I work for XXXX XXXX XXXX in XXXX, WA. We are considered a hot spot and the epicenter of the breakout in Washington state. I am shocked to have to face a furlough but more terrified to think I could go delinquent on my mortgage ( only 8 months into it!! ) and lose my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: AES/PHEAA
State: OR
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:
I have been working for XXXX and XXXX  for the past ten years while dutifully making student loan payments via direct debit. When I submitted an Employment Certification Form ( ECF ) in XX/XX/XXXX my XXXX XXXX account ( # XXXX ) noted that I had 5 out of the 120 qualifying payments left and that I would be eligible for forgiveness on XX/XX/XXXX. When I submitted what should have been my final ECF on XX/XX/XXXX along with an application for forgiveness the response on XX/XX/XXXX from XXXX was a denial because I had not made enough qualifying payments ; it seems that an audit had reduced my qualifying payments to XXXX. During a call to XXXX that day the staff looked at my payments and said that I should qualify and flagged my account for a recount. I have asked XXXX for a list of my payments and they said they could provide me a list from XXXX and my previous servicer, XXXX, but I have not yet received this information. When I looked at my account today, XX/XX/XXXX the number of payments reduced to XXXX. Help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13
Company: First Data Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Our family business, XXXX XXXX XXXX, is owned by XXXX XXXX. Our day manager, who only knows very limited English, got a letter in the mail that to her looked incredibly similar to the XXXX XXXX EBT letters, so she filled out the form and promptly sent it in, not knowing that that was a 3rd party processing company that is not affiliated with EBT or SNAP. The letter was sent from XXXX XXXX XXXX XXXX XXXX., which was received late XX/XX/XXXX. The company then sent us a completely new EBT machine, one that was faulty and unnecessary, and we immediately sent it back and attempted to cancel the services completely on XX/XX/XXXX. Despite us sending it back and filing for cancellation, the company persisted that we could not break the contract for 48 months and has been demanding payment on equipment that we immediately returned. The first bill was posted overdue on XX/XX/XXXX due to our credit card not being on file anymore ( from the cancellation process ), and as of recently, we have received a final demand on XX/XX/XXXX of {$6700.00}, which was sent by XXXX XXXX XXXX XXXX in XXXX, CO. Moreover, on XX/XX/XXXX, we received correspondence that First Data just now got our cancellation request, firmly stating that their machine be returned immaculately, which, again, was sent back to them promptly last year in early XX/XX/XXXX. Furthermore, we have spoken over to phone to First Data and XXXX XXXX XXXX, and they claim that they do not know where our returned machine is and that, regardless, we are bound to make payments on this equipment for 48 months. This is clearly a predatory company, sending letters that look similar and that require the exact same information as the real, government XXXX XXXX   EBT letters do.

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 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
ACCOUNT WAS OPEN IN MY NAME WITHOUT MY CONSENT

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 2019-02-13
Company: Bread Financial Holdings, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I bought a jewelry from zales they told me I have 18 months to pay for the {$1000.00} piece they have overcharging me with late fee and didnot take the payment on time from my XXXX XXXX XXXX Bank account ; They also took money from the wrong account and in BoA account and XXXX XXXX XXXX charge {$65.00}. They also sold my account to another bank ( XXXX ) XXXX XXXX.The balance right now is {$550.00} which is wrong. It should be {$300.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-20
Company: CCS Financial Services, 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:
XXXX ( Credit Collection ) Opened XX/XX/2018 {$30.00} Original creditor : XXXX XXXX XXXX XXXX  I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... account was settled with creditor and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Netspend Corporation
State: PA
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:
Good Evening I purchased a prepaid card from a XXXX XXXX. The card was {$2.00} and you had to load money on the card so I added {$15.00} on it. I get home to register the card as it said but it wouldn ; t allow me so I left it alone until the next day. So, something said check my email well netspend sent a message saying my card was registered so I go back on line and it was telling me to set up a password to the account because they already had my email address so I did that, then I was able to get into my account. So I checked my balance for the {$15.00} and it said XXXX so I called net spend and the representative told me that I wasn't approved to use their card services I asked why and he could tell me the reason so I was irritated because if I had of know these people was gon na run my credit I would have never purchased the card. These people are running your credit for a prepaid card and it never said that on the outside of the card I feel like I was scammed and these people are selling this card to get your personal information. Is this legal?

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 2019-02-13
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: Information belongs to someone else

Complaint:
In the month of XX/XX/2018 I reviewed my credit report and there were many fraudulent accounts that were on there. I'm in desperate need of these items being removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09
Company: WAKEFIELD & ASSOCIATES, 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: Their investigation did not fix an error on your report

Complaint:
I've now submitted 3 letters notifying credit bureau this account is inaccurate and does not belong to me. I filed a complaint with CFPB on XX/XX/21. I received a letter stating the account was verified and also received a response from them on my CFPB portal with a file that had inaccurate information. that employer information on that file is not accurate and disagree with the results. 

I don't understand how some the personal information that is on this file was given to an outside collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Experian Information Solutions 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:
FTC VIOLATION FCRA INQUIRIES NOT AUTHORIZED

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 2020-05-06
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Last night I Bought around 2k in bitcoin from Coinbase which went up 420 % bringing it to around XXXX. 
They wont let me contact them for identity verification and they are all around ignoring me. They dont even open my cases and locked/closed my account considering i cant get in

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX. I received an alert from TransUnion Credit Bureau regarding a collection item on my credit report. I don't know who XXXX XXXX XXXX XXXX is, and no validation of this debt has been given to me. No original creditor was listed. I was not given a right to dispute letter, nor anything else regarding this debt at all. On XX/XX/XXXX, at XXXX I contact them and asked how they got my information and disputed the validity of the debt and asked them to remove this from my credit report. They are refusing. I should have 30 days to dispute this debt and I was not given any notice to activate my rights. Instead it was placed on my credit report. I've contacted the number listed on the report XXXX. They where unable to validate this account belong to me. I requested proof in writing.. I have also contacted Trans Union, XXXX, and XXXX and disputed it. When I contacted Trans Union at XXXX, I spoke to a Fraud Specialist, XXXX XXXX she informed me that a similar item showed up on my credit report in XX/XX/2015 and was disputed and removed. This is around the time I found out my SS # was used by someone other than me. I asked to speak to a Supervisor with Trans Union. I spoked to Mrs. XXXX, and asked how can an item that was disputed and removed in XX/XX/2015 be placed back on my credit report. Once it is removed, it should be removed. I stated that I disputed it then because it was not mine, and it was removed but you placed it on there again. The Supervisor at Trans Union did not remove the item. My credit score has dropped 75 points due to this and I have no control over it. I am in the process of buying my house and this is affecting me drastically and putting my dream of owning a home in jeopardy.

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 2019-02-13
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Small business ( checking and savings ) ( corporate account ) at Citibank was frozen on XX/XX/19 for XXXX  ( compliance issues ). Account has been open for over 10 years, no court order, or judgment or levy exists. I complied with all forms requested on XX/XX/19 - forms taken directly to a branch ; however as of XX/XX/19 all funds frozen. Auto pay to same bank for credit card payment was returned and {$25.00} charged. Rent, electric and other payments were returned, causing many extra fees and great embarrassment - landlord will no longer take a check for rent - electric company charged extra fees. 
XXXX XXXX, XXXX - corporate account - I am 100 % owner. 
Update - Branch refused cash payment on credit card.

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 2020-05-06
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: Account information incorrect

Complaint:
I have made substantial payments on my credit cards over a month ago with no change to my score. My issue is with XXXX, XXXX and TransUnion my score has not changed until today but it still has incorrect balances on both cards, my score went up 35 points but it still says my balance is 90 % of usage, which is false. I made a payment of XXXX dollars on my XXXX  XXXX card on XX/XX/2020, followed by another payment of XXXX on XX/XX/2020 this card number ends in XXXX. The amount used is XXXX dollars on my credit report it has said XXXX dollars which is over 90 % of usage which is false. My second card dispute has a blance of XXXX dollars yet it said I have used over XXXX which is also false. I am trying to buy a home yet XXXX  and Transunion are not helping me resolve this issue. Thank you attached are my current account balances for both XXXX  XXXX cards with the amount available.

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 2020-10-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
AFTER REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ...

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 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I am writing this due to non-compliance with the ( Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2017-12-04
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX my balance with JCP was {$3000.00} with a credit limit of {$3500.00} so I applied for a increase of {$6000.00} and was granted {$4000.00}. On XX/XX/XXXX I placed an online order that totaled {$1600.00}. On XX/XX/XXXX I checked to see how much my payment due was and the available credit reflected I was negative {$670.00}. I immediately called the bank to figure out how my account was over the limit and my credit line was increased. I was told by XXXX that my last purchase caused the account to be over the limit and the credit line was only increased to {$4000.00}, but we could not understand how the transaction got approved. XXXX tried to increase my credit to cover the {$670.00} but I was denied and was told to contact JCP.com. On XX/XX/XXXX I spoke with XXXX at JCP.com and was told my transaction got approved because they took the system offline and transactions can go through during that time even if the customer does not have the credit available. I have been a customer since XX/XX/XXXX, never missed a payment and have never charged over the limit. The company gained XXXX XXXX sales at the expense of my account being taken over the limit and my credit score has dropped.

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 2019-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Went to XXXX 's app and website to make payments, was told that payment and autoenroll of XXXX $ a month would be taken out regularly to pay off student loans. Only to find out months later that their must of been a technical issue or error with the payment going through. I had left outside of the country before I could realize this issue and did not notice it until I had returned months later, only to find out that there were 90 days past due of payments! I quickly payed the {$250.00} of the missed payments immediately but still have the late payments on my credit report even though it was through their app AND WEBSITE that the error occured!

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 2020-07-24
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: Information belongs to someone else

Complaint:
I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report and I have requested this fraudulent account be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX This account is keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX - balance is showing as {$1500.00}, dates open XX/XX/XXXX closed XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
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:
USAA Account # XXXX for {$49000.00} and USAA Account # XXXX XXXX XXXX XXXX for {$32000.00} are the sole responsibility of XXXX XXXX XXXX, DOB=XX/XX/XXXX SSN=XX/XX/XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation