BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-23
Company: Capital Markets Cooporative, LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Attached is a copy of the payment webpage of my mortgage that is serviced by CMC Funding. The mortgage payment is due on the first of each month and I have a grace period of 16 days to make my payment without incurring any additional charges for making payment anytime during the grace period. The servicer, however, is charging a fee for making payment during the grace period. According to the schedule of fees on the attachment, the servicer charges {$5.00} if payment is made 5-9 days after the due date, {$10.00} if payment is made 10-15 days after the due date, and {$10.00} if payment is made 16 days or more after the due date. These charges starting 5 days after the due date essentially add up to a fee for making payment during the grace period. Is this a legal practice and in compliance with CFPB rules associated with loan servicing? I did not choose this servicer. My loan was sold to CMC Funding. It appears that this practice of charging mortgagors for making payments anytime within the first 16 days would violate the grace period stipulated in the loan documents. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2018, I emailed Specialized Loan Servicing death certificate, small estates affidavit, and quit claim deed. My brother was on the loan with a co signer. My brother died, and the cosigner quit claimed off of the title I can not get any information on the loan. The loan is in foreclosure, and instead of indicating estate of XXXX XXXX, ( XXXX XXXX ), they just removed his name, not taking the quit claim deed into consideration. 

I do not have the social security number of XXXX XXXX. I want to receive a loan modification since my brother was beind on this mortgage. I have tried to speak and call repeatedly, and I KNOW they received the information because a supervisor looked into this, and told me so.

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 2022-07-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This letter is in response to your response to CFPB with closed complaints with Authorization needed, I have attached my State ID and Utility Bill to certify that is in fact me submitting the disputes and you guys closing it and did not precede with your investigation as per my request you to reinvestigate. I am writing you to let you know that my credit report contains inaccurate and incorrect accounts that are ruining my credit rating.

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 2018-05-16
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have been attempting to modify my loan with Citi for the last 2 years. Over the course of that time I have been asked time and time again for the same information to the point where it was just more efficient to sent a full and complete package. I did this probably a half dozen times, most recently at the end XX/XX/XXXX. I just received a request for more updated information. All information was already provided within the last 2 months. Now they want more of the same, just updated. Additionally, it appears they are looking at old modification ( when my wife had a different employer ) with my most request modification request ( which reflects her new employer ) and want an explanation of whether she still works at her old job. This is just confusing everything. I get updates that say they have everything they need then days later they ask for an entire laundry list of items they received but now want updated for only another 2 months worth of information. In truth, nothing has changed in those 60 days! Since they seem to want to continue looking at old information they can see that my financial situation has not improved.I am completely frustrated by their stonewalling.

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 2015-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
the information on my credit score is all over 7-10 years old i got hurt at work in around XX/XX/XXXX and tried to go back to work in XX/XX/XXXX but could not now i am trying to go back to work again and this credit score will not let me do any thing i have to work for myself because my injury makes me very unreliable why does n't XXXX take care of me why do i have to have social security pay me not even near what i was making this country does not take care of its working men when they get hurt on the job i worked hard all my life i was getting ready to retire now i am homeless and have nothing

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: AR
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 have been contacting the credit bureaus trying to correct inaccurate information that is damaging my reputation. Not only is it causing damage, it is also unlawful and is a direct violation under the FCRA. 

In accordance with the FCRA : 1 ) Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXXXXXX 3 ) XXXX XXXX XXXX XXXXXXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX XXXX # XXXX have violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX has been reporting a debt for {$37000.00} to my credit bureaus which was first delinquent by XXXX XXXX XXXX XXXX in XXXX. Transunion is reporting this collection to be removed XX/XX/XXXX which is two months past the 7 year legal reporting time frame according to the Fair Credit Reporting Act. I have disputed this multiple times and every time I get copies of old statements showing delinquency but never once showing the date I was first in default. The other bureaus are showing XX/XX/XXXX the debt comes off my report. I want this corrected.

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 2022-10-23
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:
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. 
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 XXXXXXXX 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, has violated my rights XXXX 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-07-14
Company: U.S. BANCORP
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX US Bank restricted my Business Checking account due to a chargeback that was disputed over XXXX ( for Business ). I went into the bank on XX/XX/XXXX and they said they are doing a review, will be closing the account ( which has a balance of {$210000.00} ), and mailing me a check. I have attempted to resolve this issue in a timely manner but it has been almost 4 months now with no change of status and I really am in need of this for my business. They have not given any help and are outright rude when I try to get to the bottom of 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 2015-08-12
Company: HEARTLAND PAYMENT SYSTEMS INC
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I received a loan from ECSI under XXXX University initially in XXXX. I attended XXXX XXXX XXXX XXXX, Il from XXXX. I made payments of {$80.00} in school as I was able to do. As of XXXX, I made payments every month minus 2 months when billing issues with my debit account occurred. As of XXXX, my bill states that my account was current. As of XXXX, I received a bill that stated I was delinquent in my payments and was charged a XXXX late fee. I have continued to be charged a late fee of XXXX per month despite my automatic ACH payment of $ XXXX/month since XXXX. Additionally, no representative can explain to me how my account is 18 months delinquent and continues to be more and more delinquent although I continue to make payments. This has prevented me from allowing to list this account for loan repayment because it is delinquent although I make monthly payments higher than the required amount, monthly. Each time I ask for an answer, I am referred back to my school who does not hold this information. Lastly, if more of my payments were charged toward my principle each month, I would not be delinquent, I have been told that this is not an option, when, in the past, this was an option with paper statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: TD BANK US HOLDING COMPANY
State: MI
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:
My XXXX  credit card was used fraudulently in XX/XX/2015. I had no idea the card was used. By the time I found out, I paid the balance but XXXX put a 30-59 day late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, 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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: Maximus Education, LLC dba Aidvantage
State: OK
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:
Aidvantage has been reporting inaccurate information in the form of 7 accounts, different amounts and dating back as afar as XXXX of XXXX. There is only payout information on the report starting in the year of XXXX. XXXX has to be an elaborate mechanism as evidence by the lack of accuracy in my report. May this also stand as a formal request of " VALIDATION " of a debt to Advantage, as provided in the Fair Credit reporting Act. I am requesting to see any and all contracts with my signature as well as the ORIGINAL INSTRUMENT OF INDEBTNESS. If these accounts can not be validated, then they must be deleted Done in Good Faith XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23
Company: CITIBANK, N.A.
State: CA
Product: Credit 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:
I was charged on XX/XX/2023 for {$1500.00} from XXXX XXXX XXXX XXXX XXXX which was in error as it was unauthorized and I did not obtain insurance from them. 

I contacted Citi Cards over and over and opened a dispute. They say that I accepted the charge and closed the dispute which never happened. 

XXXX XXXX XXXX XXXX XXXX acknowledges that they owe me the money and that it will be credited back to my account. This has not happened.

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 2019-08-20
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
i allege on XX/XX/2019 Marcus by Goldman claimed to open a {$10000.00} savings account for me confirming with an email of the same date. However, for reasons within Marcus 's enrollment system my funds went missing for more than 16 days before after constant contact and follow up communication Marcus did nothing to assist me with the location and opening of my account for over 16 days.

I am filling this complaint as a matter of right, because I feel they ( Marcus ) disregarded my rights as a on-line depositor and they breached their fiduciary duty to inform me of the status of my {$10000.00} deposit which was lost or un locate-able for over 16 days despite my insistent contact with them to determine the whereabouts of my funds they claimed by email that they had received and opened my account. 

They refused to extend any customer service to me in my request for a reasonable accommodation since they both lost my deposit and subsequently failed to perform their fiduciary duty to alert me of the status of my funds and further failed to assist with the location of those lost funds for over 16 days despite my consistent contact requesting assistance in their location. 

I had to expend an exorbitant amount of time and phone calls and wait time, and drafting letters which took me away from other pressing matters. They never attempted to compensate of provide me with a courtesy with my account nor compensate me for my time and efforts to locate and recover my {$10000.00} deposit. 

Be on the look out for my fax in the next couple of days of three letters, two invoices and most of all my reasons for filing a detailed 7 page complaint.

Please assign me a case number in order that I may follow up with the status of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Credit Karma, LLC
State: LA
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:
To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
There are items on my credit report that are violations of the FCRA. There is invasion of my privacy and defamation of my character. No consent, Identity theft!

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 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this XXXX  complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion XXXX XXXX  has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my XXXX XXXX : XXXX XXXX XXXX-Date of inquiry XX/XX/2021

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 2018-04-12
Company: EQUIFAX, INC.
State: OH
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 to dispute the following information in my file. I recently received a copy of my Equifax report. The credit repot show inquires that I dont recall authorizing. I understand that you shouldnt be allowed to put inquiries on my file unless I have authorized it.

The FCRA states that the only permissible purpose for pulling credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry fromXX/XX/XXXX XXXX XXXX  Inquiry fromXX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Nelnet, Inc.
State: IN
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:
XX/XX/23 - called to inquire about correcting name and setting up special pay instructions. Requested payment is applied proportionally to all loans rather than only to the loan with the highest rate. 

Payment is scheduled for XX/XX/23 but was pulled from my account XX/XX/23. All website information says payments are applied as directed within 48 hours. Called XX/XX/XXXX to inquire about updated name and payment application. Nelnet representative indicated they were behind and that it would take about a week to get information updated. She also indicated that every payment going forward would need to be manually adjusted to reflect special pay instructions as it the system was not capable of automatically applying and following the special instructions. 

After tracking payment status over the next several weeks as of XX/XX/23 the payment still has not been applied as directed. I waited on hold for 2 hours and 25 minutes to discuss this with a Nelnet representative. She told me that it will take 5-6 business weeks from date of payment to get this applied correctly. She also said that the XX/XX/XXXX was initiated prior to the pay instructions, though that is contraindicated based on my time line above. Payments can initiated 3 days before payment date, so the payment could have been initiated approximately on the XXXX ; I made the change by XX/XX/23 ( if not XX/XX/23. ) She also contradicted was the representative told me on XX/XX/XXXX, that going forward the system will apply the payment correctly. 

After having to call multiple times in a few months with no results, and never needing to call my previous servicer, I am not confident in Nelnet 's ability to appropriately and accurately service my loan. They are clearly overwhelmed and not prepared for servicing loans.

Company response to consumer: Closed with explanation