BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-28
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:
I have missed payment in my credit report from the student loan while I already have a forbearance period, please remove the missed payment it show like 6 missed payments from XXXX XXXX XXXX. 
Name XXXX XXXX Date of birth : XXXX Address : XXXX XXXX XXXX XXXX, XXXX FL XXXX Please remove it

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 2018-05-25
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My original mortgage for this property was owned by XXXX, when the economy took a downturn I was in the process of modifying my loan with them and after providing all the required paperwork and going thru the modification process I was finally in the final stages to get my loan modified, unfortunately at this time the bank sold my loan to Shell point and the process had to be re started again, during the beginning of this process the builder of the condominium complex took over the units and displaced most of the owners due to the fact that the association was dissolved and they still owned a big percentage of the units at which point I lost all control of my property, I informed Shell point of this situation and they never acknowledged that this condition existed and took me to court to try recovering their so called 'loss '', while we were in court the judge made them aware of the situation and suggested they release me from this loan due to the fact that I had no longer had rights on the property but Shell point refuses to do so causing me to loose money by hiring an attorney, going to court twice already and negatively affecting my credit, i have no rights or benefits on this property, the builder which took control is getting paid monthly rent and they got the property for free while i am stuck with no revenue, bills, all the aggravation, I need this loan report removed from my credit and to be released from this property that was taken from me in a very unprecedented way and thru a procedure that has never been used before according to my attorney, the judge and everybody that I have asked with mortgage loans experience

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
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: Problem with personal statement of dispute

Complaint:
In XX/XX/2018 I found a collection agency statement on my credit report. I had never been contacted by the collection agency ( XXXX XXXX XXXX ) nor by the original billing agency ( XXXX XXXX XXXX ). I contacted the collection agency and immediately paid the bill in full. I contacted XXXX XXXX XXXX  and they acknowledged that the billing had " slipped through the cracks '' and that this happens with some regularity. The account number ends in XXXX and the date of delinquency is XX/XX/2018. 
I contacted EquiFax and informed them that of the facts. They simply replied that it went to collections and is therefore reportable. 
This is a medical bill which was never sent to me, and is therefore not reportable. It was also immediately paid and by the law is also not reportable. 
This has negatively impacted my credit score and I want it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-25
Company: AES/PHEAA
State: OH
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 was paying XXXX on my loans on a fixed income next thing i know my loan was sent to another deparment and i was paying them now so a year passes and my student loans went into default and collection agency. it screwed up my credit score form XXXX  to XXXX. it took me a why to get it straighten out some what and they didn't consolidate my loan the first time like i wanted it to all to come thru them. so after 4 motynhs and back and forth my credit beacuse of this si still XXXX  up and i am noe paying a higher intrest rate and will half to pay them more money now. i went to XXXX  state and XXXX  college. i have been in XXXX XXXX since first grade and cant do algerbra and cant spell or say big words. bot colleges i went to failed me imditae cause of my situation on the math and language. i got no help no tutors aviable i asked teachers for help to and got none. any ways XXXX XXXX  up my loans so bad. my credit is now ruined

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: United Collection Bureau, Inc.
State: CA
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:
Everyday a call from XXXX comes into my work number which is XXXX and its a recorded message saying I owe money with my name in it - XXXX XXXX. Im going to get fired if they dont stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: U.S. BANCORP
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Complaint Details Within the past month US Bank has incorrectly charged me 13 overdraft fees for a total of {$460.00}. This began because I had placed a stop payment on a check for {$180.00} that US Bank allowed to go through. Since that transaction has gone through I have not been able to recover my account as I am on a tight budget as a single mother of XXXX. Because of these excess fees there is no way for me to get my account back on track and stop the overdraft fees from occurring. I had placed a stop payment on a check amount of {$180.00} that had correctly stopped one attempt at the check, however they allowed the payment to go 2 weeks later, causing my account to go continually into the negative. As a single mother of XXXX I am on a very strict budget so allowing that payment to go through created two weeks of continual overdrafts as most of my bills are set up to come out automatically. I called US Bank on numerous occasions and asked that they not allow transactions to go through if the funds were not there and was told that my account was set up to decline transactions where there was not funds, however this was NOT the case. There is absolutely no way to get my account back into the clear if they are continually charging these excessive fees. I was charged {$36.00} on a {$2.00} transaction. This is beyond excessive. I understand why the overdraft fees are set in place and would understand paying one. But 13? Over one check that should have never cleared in the first place? I have asked for US Bank 's assistance and they have declined

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-16
Company: Freedom Mortgage Company
State: TX
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:
Company : Freedom Mortgage ( Ironic name ) XXXX XXXX XXXX XXXX, TX XXXX Background : We were selling our home and had closed on XX/XX/XXXX and were assured that the wire transfer would be received before XX/XX/XXXX. 

On XX/XX/XXXX I called Freedom Mortgage at XXXX and spoke with XXXX ID : XXXX. I was calling to make sure that if the wire transfer was received that day that there would not be a hit on our credit. The representative placed me on hold and assured me that it would not affect my credit. I was willing to make a payment but since he started as long as your closing documents show before XX/XX/XXXX. It will not affect your credit I was on the phone with this gentleman for 20 minutes to ensure there would be no discrepancies with my credit. Yet here now I have a late payment reported from this lying company that has dropped my score over 100 points!! 

Our documents clearly show that we closed before XX/XX/XXXX!! When I called in ( talked with XXXX ) I was willing to make a payment!! I even asked if I needed to send in my documents showing we had closed on that date! 

I am absoutely FURIOUS that I was lied to! I had the money to make the payment and was happy to do so!! The call with XXXX was recorded and all of the conversation and my attempts to take care of this can be heard. 

Because I had made an honest attempt to resolve this, reached out to ensure that there were no problems, and was LIED TO about what would occur next from the companies representatives, the correct thing for Freedom Mortgage would be to remove the derogatory mark from all 3 of our credit reports. They got their money! All XXXX of it!! Why would they need to ruin the lives of three people trying to get by.

I would appreciate a prompt response to this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: WELLS FARGO & COMPANY
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I had a line of Business Credit with Wells Fargo for over 8 years. Shut the account down due excessive fees and sold my XXXX. I have been paying account faithfully over the years. Called Wells Fargo Customer service to get a payoff figure to pay off account. On XX/XX/XXXX went into the local branch here in XXXX, NC with a certified check to pay off line of credit. Two weeks later went on line to check my account and there was a credit of {$100.00}. A week later ( XX/XX/XXXX ) went back into the branch and spoke to Manager and he said we have to have 14 days - 21 days before a refund check can be issued. As of the date I have not received a refund check from Wells Fargo Bank. I feel as a consumer I am getting the run around. The is the worst bank I have ever dealt with. I would like to received a refund since I have follow through with this transaction.

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 2019-03-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I initiated on XX/XX/XXXX a credit line increase with XXXX XXXX, which was approved THAT VERY DAY. No hard inquiries at all. ( I have had increases in the past without issues. It has always been a soft pull. ) On XX/XX/XXXX, credit line increase from XXXX XXXX is reported to the CRA and shows on my report. All is well. I am happy. 

Comes XX/XX/XXXX, the CRA reports that on XX/XX/XXXX is when the inquiry was made and XXXX XXXX  requested to see my report. XX/XX/XXXX not XX/XX/XXXX. 

As I have been a victim of identity theft, I panic and contacted XXXX XXXX   fraud department and a gentleman tells me that its the order of business for the company and most companies to do hard pulls for CLI. They just sent the request to the CRA to pull my credit for something that happened 3 weeks before. 

I told him that sounds weird to me that XXXX XXXX would do a pull after the fact, 3 weeks later. I told him that was wrong and I want the hard inquiry removed. Besides, it was a mere {$500.00}, so they can take that back to and I will report to all the forums how XXXX treats its customers and customer information. 

I am very disapointed in XXXX. Anyhow, see below the alert From Experian on XX/XX/XXXX and then on XX/XX/XXXX. The pull was made 3 weeks after the fact! 

XX/XX/XXXX alert -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Retail Inquiry XXXX/XXXX  obtained a copy of your EXPERIAN Credit Report. 
A lender has requested a copy of your Credit Report for a home retail loan. Every time you apply for credit, a 'hard inquiry ' is placed on your Credit Report and it may stay on your report for 25 months. 

Alert Details Alert Date XX/XX/XXXX Source EXPERIAN Company XXXX/XXXX Address XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX alert -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Credit Limit Increase Retail Card Congratulations! XXXX/XXXX raised your credit limit to {$2100.00}. 
Credit limit is the maximum amount a borrower can draw upon or the maximum that an account can show as outstanding. An increase in your credit limit may positively impact your Credit Score. 

Alert Details Alert Date XX/XX/XXXX Source EXPERIAN Company XXXX/XXXX Address XXXX XXXX XXXX XXXX, OH XXXX Activity Revolving Charge Accounta Previous Limit {$1600.00} New Limit {$2100.00} Is anything incorrect?

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 2018-11-21
Company: Selene Finance LP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company is Selene Finance unfortunately. I have not received a monthly statement from them Since XX/XX/2018. I have called several times and e-mailed their customer service. I have contacted them in one form or another XXXX, XXXX, XXXX and XXXX. They always give me an excuse that they are having technical problems processing statements. I have been sending to their original address my payments/check with a note/account # attached. 
I now have property taxes due that usually get sent to them to put in escrow. I am at wits end! Please Help! Are they breaking the law refusing to send me monthly statements? 

I am not in bankruptcy and have never missed a payment! I am not computer savvy, please tell me where I can seek help. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: EQUIFAX, INC.
State: TX
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX OF XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a credit inquiry on my that I did not authorize 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 2018-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX I settled and closed a credit card with XXXX XXXX  that had a high balance of {$1600.00}. Subsequent to accepting a settlement offer XXXX has been and continues to report a high balance of {$13000.00}. Obviously since this is 12 times the original high balance it is a HUGE negative on my credit reports with all 3 companies ( Transunion, XXXX & XXXX ). I have disputed this many times, sent in copy of the last statement and called to no avail. HELP!! it is just wrong that XXXX is doing this and need your kind assistance to get it corrected. 

Am attaching a copy of the last XXXX statement upon which a settlement was negotiated and also a copy of XXXX dispute results from 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 2019-03-28
Company: Experian Information Solutions Inc.
State: AK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX  XXXX Payment never late Submission Failedfailed icon You have previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute, you can upload the documentation here. If the information is relevant, then a new dispute will be opened. You can also contact us at XXXX or contact the data furnisher of this information regarding your dispute. 

Previously disputed and information is still posted incorrectly.I am calling XXXX XXXX at number provided and sofar been told they are not reporting this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CLARK COUNTY COLLECTIONS ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2200.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2016 and has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Sequium Asset Solutions, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am in the process of buying a home. We are about to close next week. Out of the blue, a collection for a bill 2 years ago, is placed on my credit reports, in the amount of {$210.00}. This caused my score to drop XXXX points. The way they put it on there, damaged it extremely hard. I contacted the company as soon as I saw it, and settled the amount for {$150.00}. Its still on my credit reports. This may cause my mortgage approval to fall through, making me homeless. I have a family, and have no idea what to do. I was NEVER given a letter beforehand to dispute, or even see if the bill is accurate. Please help me. I need this off my credit reports now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I, Consumer XXXX XXXX XXXX have unauthorized inquiries present in my consumer report that originated from identity theft. 15 USC 1681c-2 states that consumer reporting agencies must block any information in the consumer 's report derived from identity theft. The unauthorized inquiries are as follows : 1. XXXX XXXX XXXX Transunion 2.XXXX XXXX Transunion 3. XXXX XXXX XXXX XXXXXXXX XXXX 4 . XXXXXXXX XXXX Transunion 5 . XXXX XXXX XXXX XXXXXXXX XXXX  6 . XXXX XXXX XXXXXXXX XXXX 7 . XXXXXXXX XXXX XXXXXXXX XXXX  8 . XXXX XXXX XXXXXXXX  XXXX XXXX  9 . XXXX XXXX- XXXX Transunion 10 . XXXX- XXXX Transunion 11 . XXXX XXXX XXXX Transunion 12 XXXX XXXX- XXXX TransUnion

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 2018-11-21
Company: Remitly, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I SEND {$220.00} to one of my family member in the XXXX XXXX on monday XX/XX/19 using the express service, i called Remitly 5 times to ask them why my money still frozen on their system, they told me that they will take care that problem in 4 hours on monday XX/XX/19, i called back again and they told me that the other parnert need a Id from my recipient and i did send it to them but no answers, my money still frozen in they system, i called them back again and they told me that they will contact their parnert again to see happens, no but answer yet. today is wednesday XX/XX/XXXXand no no call from remitly, no call from XXXX XXXX no email from nobody about my money.

Company response to consumer: Closed with explanation