BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-14
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Old information reappears or never goes away

Complaint:
Unvalidated debt was deleted and than reported again. 
Further requested information has never been investigated, no investigation report has ever been received. See attached correspondence. According to FCRA unverified, unvalidated account must be removed from the inquiry initiated by the customer after 30 days. 
Please see attached letter. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very critical that you please investigate and resolve as this is harmful to my character and is obstructing my capability to obtain mortgage. I was already being denied for car financing and lease. So, in addition to the statutory damages, I will include punitive damages in my legal complaint if this matter fails to be resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: CMG MORTGAGE, INC
State: ID
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
CMG Financial has been an extremely difficult to deal with since the inception of my loan. I wish I had never bought a house using this incompetent company as it has been the worst experience ever ; and has made me literally hate my house. Moreover, XXXX has repeatedly proven they do NOT know how to manage an escrow account correctly. 

Most recently, XXXX was provided with my forced placed flood insurance renewal documents and failed to pay the renewal causing my policy to be cancelled for non-payment. As the policy was cancelled for non-payment, the premium increased from {$660.00} to over $ XXXX year. I confirmed my insurance company mailed the documents directly to XXXX. 

I have reached out to XXXX on 4 occasions with Zero resolution to my questions and concerns. They have repeatedly ignored and " breezed over '' my questions as to why it was not paid and how they intend on reimbursing me for their negligence. They just tell me it's my responsibility to make sure they get them. I did make sure they got them and I provided the documents showing it was mailed to them, twice. 

I am tired of this company screwing up my escrow account and taking no responsibility for their actions and negligence. This company has no customer service as they have consistently proven they don't care about their customers. They should not be allowed to write loans for ANYONE in my opinion. No consumer deserves to be put through the constant frustration I have had to endure for more than two years having this loan with CMG Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
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: Public record information inaccurate

Complaint:
Federal Tax Lein was released and withdrawn by the IRS With the withdrawal filed with the XXXX XXXX XXXX Transunion is not updating and removing this from my credit report as they are supposed to. They have updated it to a paid Tax Lien and not withdrawal

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 2022-04-28
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 status incorrect

Complaint:
THE CREDIT REPORTING AGENCIES ARE REPORTING ME LATE PAYMENTS IN AN ACCOUNT I HAVE OPEN WITH XXXX Loan # XXXX when all my payments have been punctual to date, Due to that information that is in my credit reports, my creditors have lowered the credit limit on my cards, which is directly affecting my credit history. I contacted XXXX and they state that the information that has been reported to the agencies credit has been positive and they have never reported a late payment since all payments have been made on time XX/XX/XXXX {$410.00} {$220.00} {$190.00} XXXX XXXX  XXXX XXXX... XXXX XX/XX/XXXX {$410.00} {$230.00} {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$410.00} {$210.00} {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$410.00} {$200.00} {$210.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$410.00} {$200.00} {$210.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$410.00} {$190.00} {$220.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$410.00} {$190.00} {$220.00} XXXX XXXX XXXX XXXX.. XXXX XX/XX/XXXX {$410.00} {$180.00} {$230.00} XXXX XXXX XXXX XXXX... XXXX XX/XX/XXXX {$410.00} {$180.00} {$230.00} XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX {$410.00} {$180.00} {$230.00} XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$410.00} {$170.00} {$240.00} 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 2017-09-28
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I co-signed for my niece to take out a student loan. The original amount was {$22000.00}, that was nearly XXXX years ago. The loan amount I 'm being told is now due is {$29000.00} XXXX unpaid principle ). Ive been paying {$100.00}, per month for XXXX years. Ive been trying to understand why my niece was being charged accrued interest during the entire time that we understood that her hardship grace period was in effect. The company 's representatives have not been able to explain in any wat that I can understand their accounting practices. 

My niece is still in school. She is not able to make any payments. 

From XXXX XXXX thru XXXX XXXX she was supposedly on a " rate reduction hardship ''. I was still making those payments throughout that time

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: HANCOCK WHITNEY BANK
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Dear Hancock & Whitney Bank Officers & Directors : As I received a promotion by email for opening business checking account ( plz see attached files ) earlier this year, I then opened a business account and met the requirements for the bonus. According to the T & Cs for a bonus of the business chkg account, the offer clearly stated 1 bonus is qualified per business per calendar year whereby I have own separate business from anyone else in the household. However, my numerous inquiries to your bank reps for the bonus was continually declined because I was incorrectly told that, either purposely or conveniently, a bonus is only given one per household. Although I pointed out more than once that " one bonus per business '' is clearly stated in the T & Cs for the biz account, certainly not " per household '', my much effort & time spent continually yielded fruitless. Therefore, I hope that my communication to the management team on here at this time will take corrective action and make it right. Thank you and look forward to prompt reply. <P/>Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Back in XXXX or XXXX the unemployment agency in florida sent me a letter stating they had accidentally used all of my information name, date of birth and social security number on an example to the public .so I called all the credit reporting agencies and asked them to put a fraud alert on my account in XXXX I called all three reporting agencies and asked them to remove the fraud alert, they did not do it and it has ruined my life .I have wrote all three agencies over 30 times called over a 100 times, made numorus reports with your Agency and still over 11 years later they still have not taken off the alert, and i have not been able to purchase a home I had to pay extra interest the highest amount to purchase a car which I never was late one time with a payment. Lost jobs, could not get an apartment .because they can not see my credit i have a score of zero after paying a car for three and a half years and never being late not one time. I have done everything to get this fraud alert off my credit and they refuse to remove it please help me 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
Consumer complaint received 2019-01-21
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX- XXXX  XXXX XXXX XXXX XXXX , XXXX XXXX, TX XXXX , ( XXXX ) XXXX. This company since XX/XX/XXXX, has reported on my personal credit report. Since XX/XX/XXXX has reported a negative account stating I personal owe them {$780.00}, which since has been placed as a collection account. I have submitted numerous disputes providing them with documentation that this is indeed an coporation account for XXXX XXXX XXXX XXXX and not my personal account. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Virginia XXXX, had two accounts XXXX and XXXX. They reported on my credit reports starting ( XXXX ) XX/XX/XXXX and ( XXXX ) XX/XX/XXXX. Since it also shows as a collections accounts for both on all 3 credit reports. I made an agreement with the collection agency XXXX XXXX to pay for deletion. I have both letters that I have submitted numerous times proving such agreement exists. I have since been denied over 5 times for such deletions. I still have the letters to prove this with and do not mind sharing to get this done as it should of been on XX/XX/XXXX as the letter states. 

I have since been denied a home loan due to the failure of these companies to submit accurate information and hold their promise on a contract we all agreed on. This is a direct violation of my rights under the fair credit reporting act.

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 2020-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 NOTIFIED ALL THREE CREDIT BUREAUS ABOUT XXXX   XXXX  XXXX XXXX BEING ON MY CREDIT REPORT. I XXXX XXXX XXXX DOES NOT NOR HAVE I EVER HAD A JXXXX XXXX ACCOUNT

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 2018-12-28
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: Personal information incorrect

Complaint:
Deleted all old address on 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 2022-04-29
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Report act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-04-28
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 status incorrect

Complaint:
THE CREDIT REPORTING AGENCIES ARE REPORTING ME LATE PAYMENTS IN AN ACCOUNT I HAVE OPEN WITH XXXX  Loan # XXXX when all my payments have been punctual to date, Due to that information that is in my credit reports, my creditors have lowered the credit limit on my cards, which is directly affecting my credit history. I contacted XXXX  and they state that the information that has been reported to the agencies credit has been positive and they have never reported a late payment since all payments have been made on time XX/XX/XXXX {$410.00} {$220.00} {$190.00} XXXX XXXX  XXXX XXXX... XXXX XX/XX/XXXX {$410.00} {$230.00} {$180.00} XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX {$410.00} {$210.00} {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$410.00} {$200.00} {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$410.00} {$200.00} {$210.00} XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$410.00} {$190.00} {$220.00} XXXX XXXX XXXX XXXX.. XXXX XX/XX/XXXX {$410.00} {$190.00} {$220.00} XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX {$410.00} {$180.00} {$230.00} XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX {$410.00} {$180.00} {$230.00} XXXX XXXX XXXX XXXX... XXXX XX/XX/XXXX {$410.00} {$180.00} {$230.00} XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$410.00} {$170.00} {$240.00} 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 2021-12-03
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This spammer who's impersonating a bill collector from American Express is still harassing me XXXX times, and this time they've called me at XXXX A.M. And I still didn't answer it. I want this crook arrested. I don't have any credit card debt, and I don't have any credit cards. The number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: AES/PHEAA
State: MD
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 applied to the Public Service Loan Forgiveness ( PSLFP ) program because I work in a XXXX which is considered a nonprofit. I started working at the XXXX in XX/XX/2013 and soon after I began to make payments on my loan. The paperwork for the PSLFP took months to be processed. I inquired several times with XXXX and their service representative told me that the months would be retroactively applied towards the ten years. After several months they sent a letter stating that I was not on the correct payment plan so payments would not be applied to my ten years. The process took so long that I lost several months of payments that could have been applied. I have worked for a XXXX  for 4 years now and have made monthly payments towards my loan for those years, but the company is not recognizing those payments. I think it is unfair for my payments not to be considered when the company gave me incorrect information and months to respond to application requests. The program was meant to help public servants not prolong their payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: TD BANK US HOLDING COMPANY
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX, ME XXXX XXXX Brief description : Claim against TD Bank , N.A . 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX T : XXXX Claim Number XXXX On XX/XX/2021 I received text messages to my cell phone that stated they were from TD Bank Fraud Department, claiming someone was accessing my account and to verify some transactions. I was apprehensive to answer the texts so I ignored them.

Next I received a phone call with an automated voice recording claiming they were calling from TD Bank Fraud Department and to press 1 to speak to a representative.

I pressed 1 and the caller confirmed/verified all of my identity for me, I did not provide it. They claimed that I did not respond to the text and were concerned, that is the reason for the call.

The caller then explained that there were transfers being made on my account and to verify that they were not mine, the caller would send me a text code and I had to read the code back to them.

This went on for about 4 texts and was taking a very long time so I told the caller I was going into the Bank to speak to them about this. The caller advised I NOT go into the bank as they couldn't help me because this was an online issue. 

This is where I became very concerned and went into the bank to meet with the fraud security department. I showed them the back to back texts that were clearly from TD BANK FRAUD Dept. and the phone log from the caller stating they were from TD Bank.

The Fraud Security person looked into my account and there were 4 transfers made back to back and correlated with the timing of the texts. This was clearly fraud and a scam.

TD Bank has done nothing to refund my {$990.00} and claim that fraud did not occur.

I have filed 2 complaints with them, they claim the first complaint was filled out incorrectly so I filed a second time. Both were found to not be fraud. 
TD Bank is doing nothing to protect my account or provide any type of refund. 

Coincidently, the fraudulent activity began after using my card in the local Target Dept. store. 

I hope you can help me with this. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
A debt collector re-aging an account can cause serious damage to your credit files. Re-aging would allow a collection account to remain on your credit reports in-perpetuity. Take the following steps if you believe you are a victim of re-aging. 

I have Disputed this account many times and they just re-age the account. The date of first delinquency is wrong. Transunion refused to correct it, they told me to contact XXXX XXXX because they only place whatever information they are given on my Credit File, I advised her the account was re-aged and that it is illegal for them to report it being an open account XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/2020 ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name XXXX XXXX XXXX It is a criminal offence to re-age an account and I want this account removed from my Credit File Immediately they have never verified this Debt and are always stating the it was verified and accurate which is FRAUD.

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 2021-12-03
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : 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 2017-10-23
Company: Reliant Financial Corporation
State: OR
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX {$6900.00} XXXX {$6900.00} XXXX {$6900.00} I have explained to this company on numerous occasions that this is not my debt per divorce. They refuse to delete off my credit.

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