BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-27
Company: Social Finance, Inc.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
I applied for a medical school student refinancing loan from SoFi in XXXX of 2017. I submitted all appropriate forms and paperwork related to my public and private student loans through their online portal. However, they had significant difficulty 'validating ' the private loan. Over FOUR MONTHS I was asked repeatedly to upload promissory notes, proof of loan educational status, and other correspondences with my private bank loan, each time finding a new form or reason to delay the process. Because of these delays, I had to upload work pay stubs, interest statements and proof of employment MULTIPLE TIMES because a prior example would 'expire '. Additionally I was subjected to MULTIPLE HARD CREDIT PULLS because of the delays. As over four months of acquiring sensitive, personal financial information has yielded continuous roadblocks, I can only assume their business practices are ultimately fraudulent and designed to acquire this information for financial gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate AMER CR ACPT Account Number : 9012364 under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate NATIONAL CREDIT ADJUST Account Number : 317 under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately

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 2022-11-02
Company: EQUIFAX, INC.
State: MS
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
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: Account status incorrect

Complaint:
I have filed several reports including contacting other regulators such as SEC, XXXX, FBI, State ATTY 's etc.. to get fair reporting treatment in which has been denied, accounts show closed but have missed payments, accounts discharge show charged off, and also comments that are not valid, alerts that have no contractual reason to be there, third-party accounts that have no contract or obligation to contract with. this is all violation to FCRA I have disputed my whole record nothing is valid. I don't live at previous addresses, some have never lived reported on file. Only address should be on my report is XXXX XXXX XXXX XXXX XXXX, FL XXXX I certify that this address is correct an only address to be used for mailing purposes or domicile I have provided below insurance policy to assist in identity

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 2023-09-16
Company: Experian Information Solutions Inc.
State: MN
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:
I have demanded that these agencies remove these accounts from my credit report. That I did not give permission to be there.

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 2023-04-10
Company: Mr. Cooper Group Inc.
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper refuses to cancel my mortgage insurance ( PMI ) despite an increase in property value resulting in a LTV ratio less than 75 % ( i.e. we have over 25 % equity in the home ). They will not accept an outside appraisal, even an official one for tax purposes, instead farming appraisal business to an affiliate who gave an appraisal WELL below what XXXX XXXX, XXXX, and XXXX estimate the value at.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Ive been late on occasion with one of the store cards I have that are now handled by Syncrony Financial, and when Im late they constantly call me and hang up when I answer. This morning alone I was called three times within 30 minutes. I answered the phone, the system alerts me to wait for the next person and then it hangs up. I finally got contacted on my mobile. Ive begged them to fix this on multiple occasions with no results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
As of XX/XX/2020 I got a notice from XXXX XXXX concerning my account which to my surprise had been closed! I received NO notice, in fact the only notice I received was when XXXX XXXX sent the notice otherwise I got nothing from First National bank Omaha. I cherished that account. 
According to the Cares Act 2020 We were supposed to be protected through XX/XX/XXXX from adverse actions, I guess First National Bank Omaha seems to think they are immune from Federal Law, We'll see. They said they sent a notice, I never got a notice otherwise this action would not be happening. Make no mistake, there will be consequences for this, even if it was only XXXX dollars. This is not just a threat, I will see you in court and First National Bank Omaha will pay my travel, hotel, car rental, fuel for the car, and food, plus whatever legal fees may come to. Its not the money but rather, the principle.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/XXXX of 2020, XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ( XXXX ) XXXX, ran my credit report three times. I only authorized one. After the first credit report was processed, they failed to ask me if they could run the report for different lenders. I feel that this is a violation of my rights. Since I did not authorize the other two inquiries, I would like two of the inquiries taken off of my credit report. In addition and more importantly, I feel that XXXX XXXX XXXX should be held accountable for failure to request my authorization. 

The banks that processed my credit were : XXXX XXXX  ( XXXX. XXXX  XXXX XXXX, UT XXXX ( XXXX ) ; XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ; and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX. 

Please advise on my rights in this matter. Thank you. 

Sincerely, 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 2021-08-10
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Quicken Mortgae/Rocket Mortgage transferred my Loan to XXXXXXXX XXXX. A letter was sent to me in XXXX indicating that XX/XX/XXXX payment should go to XXXX but no account number from XXXX was provided. I got no letter from XXXX prior to XXXX. So I made my XXXX XXXXpayment via my usual bank bill pay to Quicken. 

I finally got a letter from XXXX XXXX my account info in early XXXX and setup my online account with XXXX. I then noticed that there is a loan balance amouint as well my next payment due date was XXXX. XXXX did not know what happened to my XXXX payment. 

So I called Rocket Mortgage and they indicated that they refused my XXXX payment. I asked for a principal balance amount and statement and Rocket refused to give me that indicating that they closed the account. 

The problem here is : 1. Transfer process did not give me the end user enough time to setup my payments with the new provider. 
2. I do not way to check that the loan amount transferred from Rocket lines up with the loan amount received by XXXX 3.No one is helping me to identify what happenned to my XX/XX/XXXX morgate ayment and if it is included in the loan balance I now see at XXXX Overall the consumer, me, has to run around for no reason and simply because these two companies do not manage the transfer process seamlessly for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Credit Karma, LLC
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: Personal information incorrect

Complaint:
My identity was compromised. I think it started from credit karma dot com. My account on credit karma was hacked, and the email address as well as the phone number was updated into some unknown ones. So I can't receive my account at all from their automatic recovery. The hacker has got my money from the bank, updated my personal info as well as started lots of fraudulent inquires on three credit bureau. I can't find any contact email or phone number from credit karmas website other than just self recovery process. 
I tried to create another account under my identity, but they even refused that as well. This is very bad experience from credit karma, and I didn't even receive any updates for someone trying to update my email or phone number. I hope credit karma had the real people to handle the issue like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
They constantly call me everyday, all day. They called me before XXXX and when I told them this they basically brushed it off & continued to ask me how I was going to pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Square One Financial, LLC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I contacted XXXX  XXXX   looking to settle an account that was last reported to my credit bureau XX/XX/XXXX for an auto loan I had got for my girlfriend a few years back. I explained I have been very cooperative, surrendered the car, and also provided all my personal information offering a settlement on the account for {$1000.00}. I was then told the account was with XXXX XXXX XXXX. I spoke with XXXX initially who told me the account was PAID IN FULL. Then after being transferred to XXXX the manager he told me the balance was {$6500.00} which is over {$3000.00} more than what was owed. I explained I was trying to get a home, and this account was affecting my credit. He then said they would settle for {$3000.00}. I told him the most I could do is {$1500.00}. The Next day On XX/XX/XXXX I received a notice from XXXX XXXX that XXXX pulled my XXXX credit bureau after 3 years and reported a new balance of {$4400.00} which dropped my credit score over 55 points which now makes me ineligible for a home loan. I find this to be a very savage business practice especially since I explained to the company that I was trying to get a home loan and wanted to resolve the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: Experian Information Solutions 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 the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 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 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 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 2023-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I filed a complaint and the number is XXXX After providing my feedback yesterday XX/XX/ I got home and there was a statement in the mail from Bank of America with and account number and a negative balance of $ XXXX. They were supposed to close the account altogether and that has not happened. Even after they sent me a letter stating they could not verify my identity so they were closing the account, it still remains open.

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 2021-06-14
Company: Paypal Holdings, Inc
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hi, I have asked PayPal for help and I have also sent them the requested documents. However, they are still not allowing me to have the {$30.00} which is in the account. 

Additionally, they are keeping {$30.00} in the account and not allowing me to transfer it to either of the two bank accounts that were already associated with the account. 

Please help. I would like my full {$30.00} returned to me. 

The account is listed under the email address of : XXXXXXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Company: AES/PHEAA
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
4 years ago, I called XXXX XXXX to say why I had late changes on my credit report when I never received a bill or an email or a phone that loan was due until I say them on my credit report.. I have filled through XXXX XXXX to havelate fees removed and many were removed except for one they left. I have filled many complaints with XXXX XXXX to remove this one late fee. They will not remove. 

Please help me Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: URS Holding, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2021 I was awakened at XXXX XXXX to a recording by a message left by XXXX XXXX at XXXX XXXX central time stating that he was an attorney and he was going to sue me. 
I checked with the state bar association and found out XXXX XXXX is not an Attorney it appears that he is merley a debt collector with Altran Financial When I was checking my credit reports which I often do I discovered that Altran Financial pulled my credit report without my permission that in itself Is a violation. When I contacted Altran Financial regarding this matter The representatives who answered hollered at me using offensive racial Slurs. Also they contacted me on my cell phone which is a violation of The Telephone Consumer Protection 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 explanation
Consumer complaint received 2023-04-25
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: Information belongs to someone else

Complaint:
There are hard Inquiries on my account that I didnt give authorization to the companies and according to the law they should be removed

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 2022-04-29
Company: CITIBANK, N.A.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The Home Depot/CBNA account number XXXX XXXX U.S.C 1605 Determination of Finance Charge 15 U.S.C 1666b Timing of payment 15 U.S.C. 1681b - Permissible purposes of a consumer report 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 2021-02-26
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received a phone call from T.D. Bank advising me that my account was in a delinquent status. I was baffled and informed them that I have payments set up automatically each month through my bank & havent missed a payment. They informed me that although they were receiving payments each month, they were posted after the due date, thus the late fee. I informed them I could move the deliver by date or even set up Auto pay through them to fix the situation and asked that they waive the late fees. They refused. Another issue is that I was unaware of the delinquent status of my account until months later. I mentioned I never got a phone call, voicemail or letter from them until months later. In fact, when I spoke with the collection agent I informed him I hadnt received anything and he confirmed he didnt see any letters sent out ( their calls are recorded so they can verify this ). A week or so later I received all of the letters at once. Had I been notified sooner I wouldve rectified the situation. I spoke with them again today and they said they were only willing to waive 1 late fee, but there was still {$210.00} past due. Had they called me or sent me a letter after the 1 late fee was assessed I wouldve made sure to correct the situation. Instead, they waited until a substantial amount of late fees were stacked up and then made an effort to reach me. All in all, I find this very unethical on their part and just want to resolve this matter without it effecting me further. I dont know if this has already impacted my credit score, but I will look into it. Im seeking the reversal of the late fees and to set up auto pay directly with them. I dont go around not paying my bills. Ive been treated unfairly and just want to make this right without taking food off my familys table.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been an authorized user for now on my cousins cards using and paying it off. Trying to build my credit. The issue is nothing is showing on my report for either of these cards. One is barclays and the other is XXXX  XXXX XXXX. For some reason they are not reporting to transunion, XXXX  and XXXX  any help here would be greatly appreciate.

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