BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-31
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:
I disputed 2 bankruptices and the accounts associated with them several time over the last few months. However the credit agencies refuse to allow me to keep disputing and comes back verified everytime even though the 3rd party XXXX XXXX does not have this information on their reports which is whom im being told houses and verified this information

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 2023-06-07
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind in XXXX due to a medical condition. I suffer from XXXX and unfortunately, i wasn't able to work until my condition was under control. I am still XXXX XXXX XXXX care as the situation has gotten worse though the years. I started working with a company that was trying to help me save my home by doing a modification. This started in XXXX durning the pandemic. I was denied and they we tried applying again including my daughters income who lives with me. They denied that modification in XXXX. We then filed an appeal and was still denied. I than decided that was going to sell the property to avoid foreclosure. I started working with a real estate agent to help me sell my home. In the midst of us submitting documents XXXX transferred my loan to Shellpoint. My agent submitted the documents requested. The representative at Shellpoint took weeks to get back to the negotiator as she was requesting updates and for an interior appraisal to be completed. The investor denied doing an interior and i was never provided a denial letter or the reason for denial. The point of contact at Shellpoint refused to provide my representative with the reason for denial.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
It has come to my attention that DISCOVER FINANCIAL has denied me of credit. I would like to first put you on notice that I, a NATURAL PERSON, CREDITOR, and APPLICANT am aware that the denial letter given is an ADVERSE ACTION pursuant to 15 USC 1691 ( d ) ( 6 ). As the Original Creditor I initiated the CONSUMER CREDIT TRANSACTION using my credit card pursuant to 15 USC 1602 ( L ) making DISCOVER FINANCIAL an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. This denial letter is identified as a deceptive form pursuant to 15 USC 1692j. I DID NOT benefit from the consumer credit transaction, but I was injured instead. You pulled my XXXX credit file with a hard inquiry which means DISCOVER FINANCIAL benefitted from the transaction. I am the one who extended credit through the credit application. DISCOVER FINANCIAL used my credit information to get paid when I should have benefitted as well. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). No credit card shall be issued except in response to a request or application thereof says Congress pursuant to 15 USC 1642. Pursuant to 12 CFR 202.9 ( b ) ( 2 ) Statement of specific reasons. The statement of reasons for adverse action required by paragraph ( a ) ( 2 ) ( i ) of this section must be specific and indicate the principal reason ( s ) for the adverse action.Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. DISCOVER FINANCIAL is civilly liable for violations of TILA pursuant to 15 USC 1640. DISCOVER FINANCIAL is civilly liable for violations of ECOA pursuant to 15 USC 1691e. I DEMAND the credit applied for to be approved. I demand my card be mailed to the location information provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14
Company: AMCOL Systems, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Due to inaction on the part of my Dr. 's office to set up a payment plan as we agreed to, the last part of my bill was sent to collections. I received the letter Saturday, XX/XX/XXXX, and began attempting to contact them today XX/XX/XXXX. I have made at least 6 calls and each time after sitting on hold for 13 minutes, it hangs up on me. Once or twice it acted like someone had picked up, but then no one was there. Their client portal site caused my XXXX browser to display a safety warning and advised me to not enter any personal data as the site is not secure. Clicking the pages to open the portal does nothing as well. There are other reports on their XXXX reviews saying the same thing about being on hold and then hung up on. I believe this is intentionally done to make it difficult for debtors to pay off their debt. It seems predatory and should be illegal.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The following purchases were made on my Capital One credit card : XX/XX/XXXX {$7.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$4.00} XX/XX/XXXX {$59.00} XX/XX/XXXX {$5.00} XX/XX/XXXX {$5.00} Balance due XX/XX/XXXX {$89.00} Payments and credits to the account XX/XX/XXXX - {$7.00} credit XX/XX/XXXX - {$4.00} credit XX/XX/XXXX - {$59.00} credit XX/XX/XXXX - {$17.00} online payment balance on XX/XX/XXXX {$0.00} XX/XX/XXXX late fee {$25.00} When I called to complain, the explanation from Capital One is that because I didn't make the accounts minimum payment of {$25.00} I was charged the late fee. I couldn't make them understand that making a {$25.00} payment on an account that had a {$17.00} balance didn't make any sense. As a one time courtesy they agreed to credit me back the {$25.00} late fee. My concern is when and if it happens again I won't be eligible for the one time courtesy credit. How many other people is Capital One ripping off with this bogus fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Experian Information Solutions Inc.
State: AR
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 was looking at my credit report and noticed a lot of things that I didn't apply for or used on it. It is messing up my credit and my opportunity to get the things I need. So I need these items removed for good.

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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$12000.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$35000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$100000.00} ; XXXX XXXX Balance XXXX : {$8700.00} ; XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$8700.00} ; XXXX XXXX Balance Owed : {$910.00}.

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 non-monetary relief
Consumer complaint received 2023-09-29
Company: T.S. Holdings
State: NV
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My ex-husband has been contacted by a debt collector who identified themselves as IQ Data. They said we owe {$7000.00} to our previous rental/apartments. When asked if a validation letter was ever sent, the collector advised it was sent to our old apartment which is why it wasn't received. I put in a mail forwarding request with USPS and we never received a validation letter. The collector advised my ex-husband to take out a loan and payment must be made in full in two days otherwise they will assume it is a refusal to pay and send a judgement to seize property or garnish wages. They have not given us any time to dispute the debt nor have we been informed how to dispute the debt. I am writing this on XX/XX/23 at XXXX and the collector advised that we have until this same day at XXXX to make payment before they go through with refusal to pay. The collector 's name is XXXX XXXX and he has also contacted my ex-husband on XX/XX/23 and XX/XX/23 demanding payment with deadlines attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
All my monthly payments of my HSBC credit card balance have not been showing anymore since my credit report dated XX/XX/XXXX ( complete HSBC payments - attached ). They have desappeared from the today report dated XX/XX/XXXX ( missing HSBC payments - attached ). This transmission and/or publication issue has happened various times along the year XXXX as reported in the XXXX and XXXX complaints XXXX. This used to be fixed but for only a temporary period and the issue has come again after one or to two months time. My HSBC XXXX payments and my good standing with zero past due since XXXX disappears which is very prejudicial and is resulting in repetitive adverse letters when asking for other credit card. XXXX says I should have more cards to raise my XXXX score but they just impedes that same process. Attached are the XXXX report showing the right data and on the opposite the XXXX report with a blank section for my HSBC XXXX. Attached are also the HSBC card statements of XXXX and XXXX which should be reflected in the XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
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:
I have a collection on my credit report identified as XXXX  funding. This account was transferred to a company called XXXX  and later to a company referred to as XXXX. In the process of buying my home we attempted to pay this debt and contacted all three companies and were told my file did not exsist. We did dispute the account with all XXXX credit bureaus with all XXXX saying the debt was valid. We disputed XXXX times asking for proof of debt for information on how the debt was validated and got no response from on bureau other than the debt was valid. To close on the mortgage our lender said the debt must be paid so under direction of XXXX  they said the debt would be deleted from my credit report once a check was sent to a company called XXXX. XXXX did provide us with a file number after multiple phone calls. After waiting for a significant amount of time we called XXXX  to see when this trade line would be removed from my account their response was we cant find that fine so we dont know what happened to the check and we dont know how to have it removed. Therefore we have paid a debt with an agreement to have it removed from our credit report asked yo have the debt validated along with XXXX others on our report and not a single one to this day has been validated by a single person we have requested this from. So we are requesting this trade line that has been paid be removed immediately and the XXXX others that they can not validate be removed as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting 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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-09-29
Company: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a student loan with Nelnet. On XX/XX/2023 I logged into the Nelnet to verify how much I owed for my student loan, which was {$2500.00}. I served two terms with XXXX and received an education XXXX that can be used to pay off student loans. I logged into the XXXX portal and requested the exact amount of the student loan be dispersed to Nelnet ( {$2500.00} ). According to XXXX, this payment was deducted from my education award and was accepted by Nelnet on XX/XX/2023. As of this date, Nelnet is still charging me interest and says they have no record of my payment. They said their system shows no record and they can not do anything to assist me with the interest that is accruing, nor can they assist me with the payment deadline. I am worried that they still will not have located my payment by the due date and it will adversely impact my credit. I have spoken to Nelnet XXXX different times and tried to speak to the solutions center only to be told they can not find my payment but to keep waiting. They said if they locate the payment they XXXX backdate it but can not guarantee it. I am scared of being penalized because Nelnet has lost my payment. The amount has already been deducted from my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: EQUIFAX, 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:
In accordance with the fair credit reporting act XXXX  account XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states that I have a 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 written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Early Warning Services, LLC
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 had an account with XXXX  XXXX XXXX checking account number XXXX, was closed by bank and bank reported to credit service on XX/XX/XXXX as Checking account Fraud.

I received detailed consumer report from Early Warning Systems today XX/XX/XXXX wherein I came to know the reason for my previous account closure with XXXX  XXXX XXXX, as of this negative reporting XXXXXXXX XXXX put a temporary hold on my account and initiated account closure. 

I called Risk department of XXXX  XXXX XXXX at XXXX spoke with XXXX XXXX Employee ID XXXX, to know the transactions which bank deemed to be fraudulent but XXXX was not able to provide any information, as the Early warning report states all the ACH transactions since my account opening with XXXX  XXXX XXXX. XXXX stated she is not able provide me details of the transactions which initiated account closure for fraudulent transactions and said I need to speak with Claim/ Dispute department at XXXX, I called them and spoke with XXXX XXXX employee Id XXXX, she said she can only raise claim or dispute to any transaction/s which I dont recognise and cant help me with information or activity which initiated fraudulent transactions on my behalf and account closure and I need to speak with Risk Management department. 

Please help me to solve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: WI
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:
On XX/XX/2023 I requested a free copy of my credit report at XXXX, upon receiving this report, I noticed quite a few addresses amongst other that were either outdated or places that I have never lived. I contacted Equifax and XXXX to address these matters. Equifax basically indicated they won't remove and/or update the information as it was reported to them and I should contact the companies that provided the invalid and/or inaccurate information. I did advise the agent that according to the FCRA my rights are being violated by them reporting invalid and inaccurate information. I also attempted to resolve the matter by submitting dispute requests on both bureaus websites only to receive information either the same day or next day that the information was verified or updated. In such case I am unsure how an address that I have never resided could be updated or verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been a with BANK OF AMERICA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/XXXX and XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

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 2022-02-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX Select Portfolio Servicing paid my homeowner 's insurance a month before it was due. I was going with a new company due to a lower rate. I contacted SPS and they informed me that they had paid the previous company the higher amount. At that time they paid the new amount out of my escrow account. The old insurance sent me a refund and I sent SPS {$1300.00} via my online bank stating escrow only on XX/XX/XXXX. This payment was applied to monthly payments. I have been contacting them since then when I receive my monthly statement and it has not been corrected. I am told it has to go for review and will take 30 days for approval to be placed back into my escrow. On other occasions i am told that an email has been sent to a supervisor to escalate the situation. I ask to be sent to the escrow department and the representative tells me she is the escrow department. They also state a manager can't help me. I have been transferred to managers who state the same thing. " Let me email my manager to escalate this. My escrow analysis arrived in the mail that shows my payment will increase from {$620.00} to {$680.00} to cover the {$1600.00} escrow shortage. Even though they show my insurance and taxes have decreased. This is the second increase since they took over servicing my account. My escrow never increased while through XXXX. I even set my payments to be {$50.00} extra towards principal every month. I am needing someone to help me correct this issue because they are not moving the money into my escrow. My statements still say I don't have a payment due until XX/XX/XXXX. As of this date my second installment of my property taxes have not been paid. I just found out that my property taxes are now late as well. I never had an issue with my prior company. 

XXXX XXXX XXXX Select Portfolio Servicing Account number:XXXX

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