BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 disputed 2 accounts with transunion on XX/XX/2017 and they are still showing as under investigation and were never completed. 

XXXX funding {$1000.00} XXXX XXXX XXXX {$150.00}

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 2018-04-12
Company: Velocity Portfolio Group
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In addition to complaint # XXXX and XXXX regarding Velocity Investments LLC I recently received yet another letter requesting payment on a debit I never had and it's the same one Velocity illegal put a lien on my home for. I know Velocity are ignoring your requests, but knowing they are continually harassing me for the same alleged debt even though they have a lien on my home, I need help this situation has prevented my for refinancing my home for the past several years and I feel it's time Velocity be stopped from harassing people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I noticed an account on my report I do not recognize

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 2018-02-21
Company: SUNTRUST BANKS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have asked this company XXXX XXXX XXXX XXXX to please stop calling me. They call my phone atleast 10 times per day. They are collecting for Suntrust bank {$530.00}. 
I want this account CLOSED and REMOVED due to the abusive nature that they are using.

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 2020-05-08
Company: Experian Information Solutions Inc.
State: RI
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 just submitted a complaint for this problem and experian only addressed 2 of my 5 fraudulent account disputes ( after saying they were addressing them ALL ) then closed out the complaint. This is unacceptable. I am going to re list the remaining disputes I need opened. They also completely ignored the fraudulent address on my report. 


Iwas the victim of ID theft a few years back and have managed to get this fixed up with XXXX  and XXXX, however EXPERIAN   refuses to delete the erroneous accounts and addresses on my reports and will not even allow me to dispute anymore! I have sent my IDS, social security card and Address verification to make sure its in accordance with the FCRA. There are now 2 accounts left that are not being disputed that are not even mine listed as negative and 1 address I have never ever lived at. The fraudulent address is listed  as - XXXX XXXX XXXX, XXXX XXXX, ri, XXXX, The 2 remaining fraudulent accounts that disputes were not opened by experian  are are XXXX XXXX credit card, and XXXX  XXXX XXXX Account. I have disputed all of these with the proper documentation and experian  is the only credit bureau not following the FCRA for me.

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 2020-09-15
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: Was not notified of investigation status or results

Complaint:
I recently sent letters over 45 days ago to these credit bureaus and they are disregarding a regular consumer disputes. I am concerned and stressed and have been sending letters before this and still no correct action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Removed my TransUnion credit freeze in late XXXXearly XX/XX/2020 so that I could apply for a new credit card and also explore interest rates to refinance my student loans during the interest rate cut/coronavirus financial crisis. I removed the freeze via their website, however, it soon became apparent that the freeze was not removed, as both credit card and student loan financial institutions called/sent letters/reported that they could not retrieve my credit due to a freeze in place by TransUnion. 
I called TransUnion and they said they were having issues with phone calls due to high volume, so I was placed on a wait for over 2 hours and never reached anyone. 
I then started to communicate with TransUnion via @ AskTU via XXXX XXXX. My conversations started with them on XX/XX/2020 ( file # XXXX ). After 9 days of communicating with someone via this method my issue is still unresolved. TransUnion promised me my issue would be resolved within 48-72 hours, only to reach back out to them 96 hours later after promising to remove the credit freeze and the rep saying there is no issue on her end. I have proven through screen shots that TransUnion continues to report my credit status as " Unknown? '' both on their website and XXXX app. I tried again applying for a credit card and was denied, receiving a phone call and letter stating there is a TransUnion credit freeze on file. I feel as if my credit is being held hostage by this company for several weeks now and I have no control over it. It is my credit! No one company should have the ability to hold up my right to apply for credit during this unprecedented time. I feel as if TransUnion is personally responsible and should be held accountable for not resolving a simple credit freeze issue over a matter of several weeks. Their delayed responses and lack of resolution is completely unacceptable as a consumer. There should be no computer glitch or high volume excuse allowed from this company, as I feel victimized in not being able to access my credit. I need help NOW, as I still do not have access to my credit 6 weeks later.

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 2019-03-19
Company: ENCORE CAPITAL GROUP INC.
State: CA
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:
Midland Funding is attempting to serve me with papers regarding a lawsuit they intend to bring on me for a debt I owed, and they purchased from, XXXX XXXX. The credit card was charged off by XXXX in the amount of {$3400.00}, in XX/XX/XXXX. I had no idea they sold the debt to a collection agency as I received no notices from Midland. I received a phone call from a process server on XX/XX/XXXX telling me they were looking for me to serve me papers, and the man told me he would be by my house later in the evening to serve me. He never showed up. 

The next day on XX/XX/XXXX, I took a look at my credit report and tried to figure out who would be trying to serve me and for what reason. From looking at my credit report, I can see that Midland must have purchased this debt from XXXX in XX/XX/XXXX. However, I only just now became aware that Midland inserted themselves in this matter because of what I saw on my credit report, so I called Midland to ask if they were the ones trying to serve me. Midland confirmed they are trying to bring suit against me, and I asked them why I hadn't received any notices in the mail before it had gotten to this point. The man on the recorded line admitted that they had a " bad address '' for me, as well as a " bad phone number '' for me, then read me the address he had, and it was off by 1 number. I told him I was not the one that furnished this " bad address '' to them, as my business was with XXXX, not Midland, and I assured him that XXXX   DID have my correct address, as I did receive communications from them previously. The representative at Midland told me now that this had been taken to the extent of a lawsuit, there was mot much he could do in negotiating a settlement. 

I believe this to be unfair, as I never received notices from Midland and I know that had I received them, I would have had an opportunity to settle this amount for a lot less and not deal with a lawsuit. I'm not disputing the debt itself, I'm disputing the way they are going about this. They admitted they didn't have the correct address or phone number for me. And how would they not have my correct address or phone number to contact me regarding the debt, but they had it to give to the process server to attempt to serve me papers? Something isn't adding up here and I want my fair opportunity to settle this debt as anyone else would have had the opportunity if they were at a correct address or phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Upon reviewing my credit score from TransUnion, ( via  XXXX XXXX XXXX App ) my score dropped 8 points for  the month of XXXX XXXX XXXX from XXXX. It dropped 10 point during XX/XX/XXXX( XXXX ). Almost a combined 20 points in less than 1 year. The key factor listed affecting my score was " No recent bank/national revolving balances. '' In contacting TransUnion Credit services I was informed my score dropped because they want me to open more accounts. I 'm totally disheartened, and in disbelief because I 'm being punished for not being in debt, paying my credit cards on-time, and being literally forced and bullied into obtaining more lines of credit. At what point will by score continue to be lowered?! Until it 's just good. I 've worked extremely hard to ensure that I pay my bills and not go into debt. It 's taken me years to feel a great sense of financial freedom in not owing bills. I 've more than sufficient accounts open at other banks in total 4. This has to be addressed and corrected. I called on XXXX and was informed a call back from a manager and no response. Please HELP! Signed- XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Opened a savings account on XX/XX/22. Initiated the ACH transfer for the minimum deposit. Have continuously tried to access my account to no avail. The system will not send me the factor authentication via text. Called and spoke with a bank representative on XX/XX/22. He stated I would receive an email. Still haven't received the email, therefore still can not access the account. I just want to ACH my money back to the linked external account. The bank is completely out of control. Had to sit on hold for hours just to reach someone. These are bait-and-switch tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
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:
I've reached out to Equifax several times regarding the inaccurate information on my credit report. I was instructed to provide Equifax an fraud FTC affidavit which I've done. I disputed an Item now 5 times since XX/XX/XXXX and everyday I'm been giving the run around from Equifax office of consumer affairs. 

I asked the office of consumer affairs several times for a supervisor or a manger when the call isn't going well and every single time I've been denied a right to escalate the call to a manager or supervisor. They continue to give poor customer service and talk and deal with you in a very rude manner. 

Also Equifax has blocked my online access to log on my credit report and to dispute or check the dispute status online. I feel discriminated and feel like my rights are constantly violated from Equifax. 

I've attached my FTC affidavit to this complaint for record. 

The following items are result of ID Theft : 1. XXXX XXXX 2. XXXX  ( Inquiry ) 3.  XXXX ( Inquiry ) 4. XXXX ( Inquiry ) 5.XXXX XXXX ( Inquiry ) 6.XXXX XXXX ( Inquiry )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have contacted them and they said they can not, I was discriminated against due to my score and XXXX XXXX which keeps things more than years I want both of them stopped for discrimination

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 2020-05-08
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian puts an undue burden on the consumer to temporarily lift a security freeze. One used to be able to temporarily lift a freeze in a few minutes on the Experian website. Now they require you to send all sorts of documentation to Texas through the mail, wait for them to process it, and then I suppose send a snail mail reply that the freeze has been lifted. Why is this? With computers i should be able to do all that I need to do with XXXX to get my HELOC in a few hours, now it will take a few weeks only because of Experian. Every phone number I called XXXX, XXXX, and XXXX is the same and after requesting my social security number the computer gives two options and winds up hanging up. It is not possible to get a person. I did find one that gave me a long list of things to send to Texas but it was so fast that I couldn't write it all down and then it hung up. I was able to get a temporary PIN from Experian but then their website wouldn't recognize it to allow me to temporarily lift the freeze. My guess is that the goals here are either to get people to pay a lot of money for some Experian membership where they get decent treatment or to make security freezes so unwieldy that people will remove them.

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 2019-03-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PLEASE SEE ATTACHMENT As per your letter dated XX/XX/2019 pertaining to Select Portfolio Servicing transaction history, which includes Corporate Advance History, Fee History and Escrow Disbursement History, I am requesting clarification of specific detailed accounting of various and repeated charges to my account which I have circled on your forms provided. I am further requesting valid verification of documents showing specific details of charges performed, not just listed. I am also requesting clarification of all headings i.e. transaction codes, reason codes, payee codes, payee description, Processor ID, Recoverable  Codes and Recoverable descriptions along with all other headings. 

In order for my legal team and me to review these fees given to my account, by law I am requesting SPS to provide a clear breakdown of all charges incurred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX and I am reaching out today with frustration over my servicer Portfolio Servicing for my property address XXXX XXXX XXXX XXXX XXXX FL XXXX. I was modified almost 5 years ago and now my payment is going to double. I have requested the copy of my loan modification more than once and never received it. The servicer has given me the answer that they are waiting on the previous servicer Bank XXXX XXXX to provide it. I sought assistance with a HUD Housing Counselor and she looked up via the MERS and the servicer still shows Bank XXXX XXXX, I looked up as my address and social and still shows XXXX. I do not know who is responsible to provide to me the requested documents, I can not seem to get the correct information. I would like to refinance and I am currently working on that but I need the servicer to respond with the document request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Transunion has added missed payments that were removed from two of my account but the credit grantor. I have sent in letter after letter and they have yet to respond. the late payments are adversely effecting me and I seem to be at the mercy of them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
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 status incorrect

Complaint:
In XXXX of 2019, i made contact with XXXX XXXX XXXX XXXX Vice President/ Counsel with the intentions to settle the allege student loan debt by way of debt validation letter. In XXXX of 2019 XXXX sent me a threatening letter stating, they will take my earnings and money in private bank account if i don't pay up. Under duress and fear, I made payment XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 [ see receipts ] to date, XXXX reports inaccurate information, and fails to update their account. In XX/XX/2019, i made payment in full [ see receipts ]. XXXX continues to report inaccurate data, and continue to report the accounts as charge off/ failure to pay ; XXXX   agent XXXX receive notice from me with correct information [ see attachment ] but refuses to correct the record. I want XXXX to stop sharing my private data and information, without my written or express authorization.

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 2020-05-08
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
These creditors listed are not mine, nor is the Bankruptcy. I also listed companies that have pulled my credit, and I did not authorize them to do so. I am also exempt from any student loans as I am a XXXX XXXX   XXXX and XXXXl XXXX Veteran which by law I am no longer responsible for any student loans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: LAND HOME FINANCIAL SERVICES
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I lost my job due to XXXX, and was able to find my current job but unfortunately the process of hiring took about two months, so I asked my mortgage company about the options for a forbearance, they helped me during my time of need, and discussed how placing all balances on the back end of the loan was the best option for me... 
but I had XXXX major issues coming back from it... 
. they never told me about the escrow being an issue and how it would affect my monthly payments being a lot higher I had a conversation and they told me property taxes and home owners insurance almost doubled bring my payments from XXXX to XXXX and that I was able to understand I received the agreement assuming my monthly payments for that amount and I agreed and signed it ... no problems there, problem 1... 

At that point they don't even told me about a higher amount ... one day I checked my mortgage app on my phone and I see a payment scheduled for next month for XXXX I was alarmed and called and asked what was that about and that's when they told me about the escrow balance needed to be paid. And I wish they would have told me about that when I first started because I would have paid at least the escrow that is my first issue. 

Problem 2... 

I checked my credit and it shows derogatory account and late for 120 days wich affected my credit... I called them about this and they said that was a mistake and before I submit a claim in the credit bureaus to give them 30 days to fix it, and I did I just got a notification on my credit saying that my account is current... but they never removed the late payments report negatively affecting my credit and this is something I asked them and they told me it would definitely not affect me credit wise. 

Now I must call them again and call the bureaus to remove their mistake from my credit. 

Thank you.

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