BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
CAPITAL ONE- XXXX XXXX XXXX Account # : XXXX XXXX XXXX Under the FDCPA ACT, and my rights FCRA Ive involved these accounts in civil litigation against these credit Bureaus for unauthorized and Fraudulent actions concerning these accounts on my credit report.The credit Bureaus are constantly in violation of my consumer right of not sending documentation of non verified debt for non permissible purpose under section XXXX & XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Automotive XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX - XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2018-12-13
Company: LAKEVIEW LOAN SERVICING, LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our FHA loan from XXXX to Lakeview ( The XXXX XXXX XXXX ) sometime XX/XX/XXXX. We opted for the same type of loan, FHA. In our Closing Disclosure, we opted to have the Home Insurance and HOA excluded in escrow. But, last XX/XX/XXXX, XXXX started paying our Home Insurance to XXXX, After several attempt to contact someone about the issue, XXXX   advised me to email a copy of Loan DIsclosure to them. A copy of Closing Disclosure was emailed on XX/XX/XXXX and they assigned a ticket number ending in XXXX. 

On XX/XX/XXXX, XXXX affirmed that my request to remove the Home Insurance from my Escrow has been forwarded to Escrow and they marked my issue Resolved. 

On XX/XX/XXXX, we received a letter from Lakeview denying our request to waive Escrow. We did not request to waive Escrow. We requested to exclude Home Insurance from our escrow. 

I restarted the painful experience of talking to XXXX, this time, they claim that they can not remove the Home Insurance from Escrow as it it required by FHA.

To our dismay, we have been paying the Home Insurance ever since we financed the property from XXXX XXXX. 

Our patience is drained and totally helpless, despite of our Closing Disclosure. We feel that XXXX is giving us wrong information, run arounds, or LakeView deceived us to refinanced.

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 2018-05-08
Company: National Credit Adjusters, LLC
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX sold my debt to National Credit Adjusters. I settled the debt with National Credit Adjusters but neither company will update the credit reports. The settlement was finalized in XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I mailed a certified letter to Experian requesting an investigation of the inquiry thats on my credit report. 

The inquiry date was : XX/XX/XXXX from Company : " XXXX XXXX XXXX ''. I never applied or authorized this company to check my credit. 

The inquiry date was : XX/XX/XXXX from Company : " XXXX XXXX XXXX ''. I never applied or authorized this company to check my credit. 

Experian failed to re-investigate. I also sent a letter to the company requesting for proof of this authorization, yet I received a response.

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 2019-09-10
Company: EQUIFAX, INC.
State: MS
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 am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/18, I purchased over $ 10k worth of cosmetics from a business on the XXXX XXXX XXXX. I wound up returning the items, even though the receipt said all sales are final. Someone with XXXX XXXX XXXX accepted one of my packages. The other package was refused by both myself and XXXX XXXX XXXX, and this package wound up just sitting at a XXXX XXXX hub for disputed packages. I have no way to find out if this package was ever eventually returned to XXXX XXXX, because I had refused this package at my residence, and I had no tracking number, not to mention I didn't have XXXX XXXXXXXX XXXX 's XXXX XXXX account number, for obvious reasons. 

So basically, I'm paying Citibank for over $ 10k worth of cosmetics that I have never had. So besides THAT, Citibank continues to charge me fees for this whole purchase. Additionally, on approximately 3 occasions since XX/XX/18, Citibank has sent me letters in the mail or emails saying that my dispute was resolved, leading me to obviously believe this. 

Besides continuing to pay for goods I have never had, my credit score has been lowered over 150 points as a result. I continue to attempt to pay down my credit card bill, so it won't be affected even moreso.

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 2020-08-26
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: TD BANK US HOLDING COMPANY
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 belongs to someone else

Complaint:
the following accounts was never authorized to report on my credit, and is hurting me : Identity Theft XXXX  Account Number : XXXX This is not mine. 
Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft TARGET/TD Account Number : XXXX This is not mine. 
Identity Theft TARGET/TD Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: ALLIANT CREDIT UNION
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
On the XXXX or XXXX of XXXX, I initialed a domestic wire from my personal account to my Business account. Upon entering in the numbers for the receiving bank, I noticed that I was able to enter all the account numbers. This prompted a call to Alliant, where the representative couldn't explain the error and referred me to Docusign. They still processed the wire and it was rejected by XXXX XXXX XXXX. The next day, we resubmitted the wire and the system allowed entry of all numbers. After being insulted by the supervisor and the system error, I deemed it appropriate to request for both fees to be refunded. They have refused. As a Former XXXX XXXX myself, I can't find a reason of why they wouldn't honor my request outside of being disrespectful even to the extent of calling me by my first name without permission. 

I'm requesting this agency 's involvement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
" XXXX '' was selling XXXX XXXX mortorcyle handlebars on XXXX. i messaged him being interested in them. i sent him half the money with the other half being sent upon receipt of tracking information. on saturday XXXX he told me he would look into shipping. on sunday XXXX he told me he didn't have the chance onXXXX and would take care of it monday XXXX. on monday XXXX i sent a message for follow up to find he had completely deleted his XXXX. i called chase for the scam and they informed me they do not protect XXXX transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Rushmore is reporting a balance and past due with XXXX lates on an account that has the last payment date of XXXX and sent out 1099s to report to taxes. The reporting has been ruining our credit for years! Look at the credit report screenshot we included.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: MONEY SOURCE, INC., THE
State: IA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX I sent XXXX XX/XX/XXXX I sent XXXX XX/XX/XXXX and XX/XX/XXXX I sent XX/XX/XXXX which is my mortgage. XX/XX/XXXX they sent me paperwork to catch up payment saying I hasnt paid at all. They have put my partial payments into an acct and not towards my mortgage. I contacted them to ask for paperwork to catch up. They sent it I filled it out had till XX/XX/XXXX to send all paperwork. Which I did XX/XX/XXXX per email. XX/XX/XXXX I recieved paperwork saying I was denied cause I didnt send it. I called and left message of when I did per email. To no avail. I have applied to vet organizations for help. And have left message letting them know I need a current amount after what I paid is taken off. They have given me nothing or those organizations. I have left message telling them to take my escrow money to put it towards payments. Or send it to me and I will do it. They are also still making us pay taxes even though we are exempt. They know this the county sends them stuff and I have every month with my payment since XX/XX/XXXX of last year. There is over 5000 in that escrow because of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Experian Information Solutions Inc.
State: MS
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 am writing this due to non-compliance with Experian. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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:
Someone opened an account in my name which caused a debtor status to be placed against me. Now I am taking this step remove this potentially fraudulent information from my credit file. Moreover I do not recognize the account number listed for these item reporting nor do I recall establishing an account with the collector nor there predecessor

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Myself as prospective borrower engaged in a rate lock in late XXXX with lender Bank of America in effort to hedge against potential rate increase for closing date scheduled in late XX/XX/XXXX. In reference to the Float Down Addendum enclosed within the Agreement, which was valid between XX/XX/XXXX and XX/XX/XXXX, the Agreement clearly states, If market interest rates improve within 60 calendar days prior to the original requested closing date ( Float Down Option term opens ), you may exercise a one-time float down to lower the interest rate ( Float Down Option ). '' To lock this agreement I complied with an upfront payment of {$1900.00}. 


On XX/XX/XXXX as potential borrow engaged my lender XXXX XXXX at Bank of America to execute my float down to market rate which was at ~3.0 % at the time. This request was denied On XX/XX/XXXX I requested escalation to his manager XXXX XXXX who ignored all communications On XX/XX/XXXX my lawyer sent a formal request for the {$1900.00} to be returned on grounds that Bank of America had not acted in good faith and has not adhered to the terms of the Agreement

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 2018-02-02
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I first filed for a grant and was given a loan instead. When I started making payments I explained that I am on SSI and have very limited income. I am struggling with my choice as a single parent of XXXX XXXX with XXXX I have to decide to pay rent or pay my loan. I owe a little over {$3000.00} and sadly, only make payments when I can if I can. When I make that payment of possible, I then can't get perscriptions, things my daughter needs, or pay other bills such as electricity. I'm not sure if I qualify for any programs that can help students. I have XXXX and this struggle makes it a not more difficult to either pay rent, buy food, or get other necessities needed. I don't know what else to do and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: CITIBANK, N.A.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
Before I start, I want to clarify that my complaint isn't related to any loan. However, I thought this was the category with the best fit. 

I purchased a car from XXXX XXXX XXXX on XX/XX/2017 with a cashier 's check from Citibank. The car dealership accidentally sent my car title to Citibank NA as they wrongly assumed I was financing my car through them. 

I'm now trying to obtain the title and the California DMV has told me that Citibank NA is the electronic lien title holder. I've tried to contact Citibank through multiple channels to request them to release the title ( as they're holding it by mistake ) and I've obtained no response so far. They tell me that they sold their car financing business years ago but they are listed as an XXXX  holder - otherwise the car dealership couldn't have sent the title to them. The situation is frustrating and pressing because I need to sell my car and I'm unable to due to the fact I don't have the title. 

Note that I've attached the following documents : - Letter from DMV stating that car title is held by Citibank NA - Sales contract proving that I paid the full amount with a check/cash ( {$18000.00} ) - Cashier 's check receipt from Citibank for the amount of {$18000.00} - Car 's registration card that proves that the car dealership incorrectly sent the car title to Citibank NA Car 's VIN : 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 2021-06-02
Company: EQUIFAX, INC.
State: NV
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:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: EQUIFAX, INC.
State: GA
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:
Equifax is reporting fraudulent information regarding a dismissed chapter XXXX bankruptcy. The information has been disputed multiple times over the course of several years in attempts to have the information removed. Equifax states the information is verified by XXXX. XXXX states otherwise, they do not have any information regarding a chapter XXXX bankruptcy being reported by them in the VERIFIED department of their data base. XXXX did state they do have information in their UNVERIFIED department which from their statement, " Under the FCRA, can not be used for credit decisions, personal information, job placements etc. '' If Equifax is using unverified public records from XXXX they are violating this act and my right as a consumer. Attached is XXXX report stating they do not contain the information Equifax is stating they provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: SYNCHRONY FINANCIAL
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:
I have TJX REWARDS MASTERCARD XXXX that the last time I used It was 2 years ago, on XX/XX/XXXX, I received an email indicating I need to make payment for {$2400.00} I disputed the transaction as fraud and TJX closed card and issued new one and credited the {$24.00}, but on XX/XX/XXXX I received an email account requires attention after calling TJX, It seems TJX transfer $ 24+ {$25.00} late fee $ xx interest but after reviewing the history with customer service of old credit card and the new cards all fees were removed except {$2.00} but the damaged was done it seems TJX collection reported me to credit bureaus that i was late and my credit score from above XXXX reduced to XXXX, XXXX and XXXX and XXXX XXXX reduced my credit limit to {$500.00} and after getting my credit report, TJX reported me to credit bureaus ( all ) that I was delinquent, it seems collection did not review notes on old credit card I have mortgage, credit cards and car loans for over 30 years and never been late, this is devastating.I am XXXX years old and now I have to pay higher interest rate for this errors and now Im considered as high risk so please help to remove the negative reporting in my credit reports from XXXX , XXXX and 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 2018-05-08
Company: LEXISNEXIS
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was denied an apartment with XXXX XXXX Apartments ( XXXX XXXX ) on XX/XX/XXXX based on a decision from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX gathered their alleged information from Lexis Nexis.credit Bureau that the information pulled from was XXXX. On XX/XX/XXXX I placed a suppression and freeze on all Lexis Nexis files. 
Due to suppression/freeze placed on files this erroneous information should never have been reported which in part led to my application being denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: CCS Financial Services, 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 status incorrect

Complaint:
Account is closed and paid so it needs to be removed from my report please. Confirmation of closed is # XXXX XXXX XXXX took payment to close this

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation