BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On XX/XX/XXXX, I reported an error on my TransUnion credit report ( only  ) which added an unknown name to my report. All other information from the unknown individual was merged with my transunion report which dropped my score and forced my report to lock after reporting the error. I filed error reports both orally to TransUnion on two phone calls, two weeks apart from one another, and one report digitally through XXXX. The error report filed through XXXX is still open and states that the report estimated close date is XX/XX/XXXX. Because the date had passed and the other two phone calls yielded no results, I called XXXX a third time - this time requesting a supervisor. The supervisor informed me that the case had closed on the XX/XX/XXXX and that all 3rd parties reporting the case were wrong ( XXXX  ), and that TransUnion does not inform consumers when cases have been closed and/or what the conclusions were. I was able to get the supervisor to acknowledge that the name added to my report was still on the report erroneously and that it would now be removed 3-5 days from that call ( on XX/XX/XXXX ). However, my credit score is now lower than before and I have been harmed by this issue caused by TransUnion. The supervisor refused to admit that harm had been done to my credit file and that the score I was seeing was correct, only stating that 3rd parties use different methods of calculation which could be why it is now lower. My credit has not changed in the last three months that this dispute been open, and the other two bureaus have my unchanged score from before this had begun. I am being punished for a mistake that TransUnion made on my credit file, I have been unable to use my credit to open new accounts or apply for necessities such as a new phone payment, and I am now coming out of this still unsettled dispute with lower credit. I have no option but to accept that a merge of my credit file with someone 's credit file has lowered my score, even though all other elements of their credit has been removed from my report.

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 2019-10-30
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
- In XXXX, I called Nelnet to let them know I was going to take one class in the summer and would go half time in the fall. They advised me that they would " place my payments on hold '' and that would keep my payments on hold but accumulating interest until my I went back to school at least half time. 

- During the summer, I took 1 class. 

- In XXXX, I called them back to let them know I had started classes again in the fall just as I told them in XXXX. I started classes half of the time on XX/XX/19. To my surprise, they told me I had been delinquent for over 90 days as the school had reported in the summer that I was attending less than half of the time. I explained this was correct but in XXXX when I called I had been placed " on hold '' accumulating interest ( forbearance ) until the fall that when I was going to enrolled in a half of the time status. So pretty much what they did is that the 1 class I took over the summer had overridden the " forbearance '' they argued back and forth and explained what all the " hold '' terms meant. They blamed the school for providing wrong information. I explained the information was not wrong but Nelnets failure to proceed as they should, caused this confusion. 

- The reported a 90 day past due to the credit bureaus for all 15 accounts and ruined my credit from the high 700s to the lows 500s! 

- The provided me erroneous information in XXXX, they ignored and bypassed this request despite my call. They did have record of the call but no " enough '' documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 was trying to buy a car today XX/XX/19 and when they ran my credit to check if I qualified for the loan I was told that I did not get approved because there were accounts in negative standing on my credit report. When I looked over those accounts I told them that none of those accounts were mine. I did not open any of these XXXX accounts and I never gave anyone permission to open these accounts in my name. I think a person named XXXX  XXXX XXXX opened these accounts. I already filed a police report ; I did not benefit anything at all from this nor did I ever make any purchases or payments towards these accounts.

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 2019-10-30
Company: Community Health Investment Company, LLC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a collection notice stating that we owed {$140.00}. I request proof of the debt. The collections agency sent me a copy of the original bill. I responded that I would like to see a complete statement of our account as we PAID the hospital {$1100.00} on XX/XX/2019, based upon their estimated bill after the expected insurance payment. On XX/XX/2019, the Hospital REFUNDED {$550.00}. Our thoughts were that we paid based upon an estimate, and after all the insurance settlements, we actually overpaid. I requested a statement of the account that shows what we paid, what the insurance paid, and what the remaining balance is. We can not understand how the hospital can say we were delinquent when they gave up a refund. The agency responded to our request for a statement with a letter threatening to report us to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Bread Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An account was opened unbeknown to me with Comenity Bank and it was sent to collections. My father who had all of my personal information used it to create several credit card accounts and I have been trying to remove them. I have disputed the record with XXXX but have not seen any changes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
Company: DISCOVER BANK
State: MA
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:
Discover has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. under section 1666 of title 15, a creditor is not supposed to report any payment as late

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: U.S. BANCORP
State: AK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage loan with US Bank. In XXXX, 2018, I sent a letter to US Bank requesting cancellation of my PMI. In previous correspondence, US Bank informed me that I would need a current appraisal to cancel my PMI. In the letter they sent me, they informed me that the estimated appraisal fee would be {$1300.00}. The letter indicated " if the cost is less, we will issue you a refund or you may request the overpayment be applied as a principal curtailment. '' I sent them the check and a letter requesting to move forward with the PMI cancellation process. In my letter, I also indicated that an appraisal in my area only costs around {$800.00} so I expected a refund of the difference. The appraiser completed his inspection in XXXX and sent the report to XXXX. When I talked to US Bank about this, they informed me that they use XXXX for appraisal ordering. 

In XXXX, I called US Bank to inquire about when I would expect the remaining money to be refunded. I was informed by US Bank that the invoice they received was for the full {$1300.00}. I immediately contacted the appraiser and requested the invoice. I have worked in the XXXX XXXX in my area for 20 years and had never heard of a single family appraisal costing {$1300.00}. The appraiser told me that he couldn't give me a copy of the invoice, however, he also informed me that he did not charge more than {$650.00} for the report. I have included his fee schedule that is consistent with his claim. I called US Bank and presented them with this evidence. They reiterated that the invoice they received was for the full {$1300.00}. I requested, in writing, confirmation from US Bank that their invoice was in fact for the full {$1300.00}. I have also included this letter. 

It appears that XXXX paid the invoice from the appraiser for {$600.00} to {$650.00} and kept the remaining {$730.00} - {$780.00}. The amount that XXXX kept was more than twice the amount of the actual appraisal. I believe that I was intentionally misled during this process. There should be no reason the fee for this service should cost more than 100 % of the actual cost of the report. 

I have attached the following documents to support my complaint : PMI cancellation instructions from US Bank Request for cancellation from me to US Bank Fee confirmation letter from US Bank Fee schedule from the appraiser Copy of page 1 and 4 of my appraisal to show the client who ordered the report

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 2018-10-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Both XXXX XXXX and Portfolio Recovery Associates have been improperly reporting the XXXX XXXX/XXXX account. In the Condition category the account should be listed as being paid and should say paid. Within the Condition category it should not say derogatory. This should not be listed as such because it does make the account looked as though it hasn't been paid. This has hurt my overall credit reports and score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: GA
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 have sent several disputes regarding this loan for {$12000.00}. They havent taken any action deleting this account when it doesnt exist with the other 2 bureaus. It is harming me for obtaining credit, I have never lived in XXXX  so where is the information coming from? Who was on this joint account? This information is violating the fcra.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The crux of my problem is that I mailed my social security number to an address purporting to be Citibank before I realized that I had no account with Citibank. I have tried and totally failed to obtain a response from Citibank as to whether they incorrectly asked for the number or I have sent it to a fraudster. Ive frozen my credit and am about to request a special PIN from the IRS so that no one can attempt to file a return and get a refund for my account. Since Citibank doesnt respond, I must believe a fraud has been committed in their name upon me. 

Im XXXX years old and was gullible because I have an account with XX/XX/XXXX which I have frequently confused with Citibank. I received a 9x12 envelope in early XXXX with an appropriate cover letter, W-9 with instructions, and even a W-8BEN for foreign owners. It briefly crossed my mind that they should have my SSN if I had an account, but I was in a hurry and sent the W-9 off in the enclosed envelope and tossed the rest. About a week later my son called me as asked if we had a co-tenancy account with Citibank because he received the same paperwork ( although I dont know if the referenced account numbers were the same ). Thats when I realized I made a mistake. 

I called what was supposed to be Citibank fraud department, spoke to 3 different individuals, none of whom were able to grasp the issue. I called the police department and was told that, since I hadnt lost any money, they couldnt help, and referred me to the post office. The post office told me that the address on the return envelope ( sent to my son ) was not a Citibank PO Box and eventually got back to me saying that mail from that box was being forwarded to a Citibank address in XXXX XXXX ; they wouldnt tell me that address so I was not able to confirm whether it was valid. 

On XX/XX/XXXX, I wrote to a Citibank address ; the letter is attached and the addresses are underlined. I received no response unless the enclosed cover letter from Citibank of XXXX XXXX was supposed to be a response. Note that they again ask for my social security number and the 9x12 envelope contained all the same forms as the original request. On XX/XX/XXXX, I followed up with a letter to 4 different Citibank addresses, enclosing my original letter and the new Citibank letter. No response has been received. 

I want to know if someone has fraudulently stolen my social security number or if Citibank has simply bumbled and my information is safe. Anything you can do to help would be greatly appreciated.

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 2023-05-18
Company: CITIBANK, N.A.
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
We have a COSTCO Executive Member Business Citi Visa card.

Numerous times our bills never make it to us and we have to call and withdraw it from our bank account. We were asked to keep on file which we declined. In XXXX our bill never made it, and here we are again in XXXX and we didn't receive a statement. This happened when we were living in North Carolina as well. 

On the other hand, our XXXX card as well as other numerous bills and cards ( such as XXXX 's ) manages to make it to our home each month. 

Yesterday, when we were at COSTCO, the woman told me that other people complained they didn't get their bills regularly. She said it was a CEO level decision to get a new credit card company to work with.

It's obvious that they are doing this for late payments and penalties or to automate and withdraw from bank accounts. 

Please do something.

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 2020-12-05
Company: I.C. System, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have yet to receive any investigation 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 2023-04-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery is reporting account XXXX Orginal Creditor XXXX XXXXXXXX XXXX XXXX as delinquent. This account is paid in full. ( see attached documentation ) received XXXX/XXXX/2023 XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: FISERV INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my debt this debt is a result of forgery on my name

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 2019-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
My credit report has been mixed up with my XXXX and no matter how many times I call to get it fixed or send in a dispute, they havent been able to fix it. Both XXXX and transunion havent been able to do anything. Transunion theres still has inquiries that aren't mine, and a reported closed account, not mine either. XXXX has a account thats not mine on their report and another closed account.

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 2019-10-30
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I BEING VICTIM OF A RACISM ACTION BY MAKING A MISTAKE IN ORDER TO PRESENT DENIAL ASSUMPTION History Starts few Years ago when Assumption Application was sent several times and being Ignored, not even a letter return Bayviewloan for us Until I contacted CFPB thats when Bayviewloan contacted me with false excuse saying they never received any document.

NOW, here With the Assumption that was Denied after years of being Ignored until I bug everyone from Bayviewloan, CFPB, ( Consumer Financial Protection Bureau ).

Now all documents sent every time Bayviewloan Servicing asked for something different, we provided anything they asked for and obviously every time a document was sent, we received answer after weeks, I think to make it longer or make us to desperate and stop dealing with us XXXX with bad XXXX, The final decision for Denied the Assumption Bayviewloan Servicing said is because is being the loan is currently past due greater than 30 days??? 
IT IS FALSE AND MADE MISTAKE ON PURPOSE TO DO THAT AGAINST XXXX CUSTOMERS. 
I Paid Balance that was behind on : XX/XX/XXXX Bayviewloan Representative gave me Confirmation # XXXX Denial Letter Received XX/XX/XXXX XXXX XXXX @ XXXX when I tried o make the regular payment, I was told by XXXX, Employee XXXX that previous payment I made on XX/XX/XXXX, wasnt received and took by the representative properly, than he gave me the right amount and MADE NOTES ABOUT BANK REP MISTAKE, HE then took the payment missing by mistake and gave me the confirmation # XXXX I hope you can fix that mistake or the problem that Caused to me in case that this is not just a purpose mistake and I being victim of racism. 
Since than I being Ignore as well. 
*I being e-mailing since than 2 times per week. 
*Sent letters to all the Bayviewloan Servicing addresses I found. 
I being Ignored Since they knew their mistake of REFUSING MY PAYMENT AND getting other different amount then what I wanted to pay = balance. 

being sending e-mails as well to. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX answer. 

On XX/XX/XXXX @ XXXX I was able to Speak with : XXXX, Employee XXXX HE made notes about the mistake made previously when Other EMployee Representative from BAyviewloan SErvicing Didn't get my Payment correctly, XXXX then gave me a different REference number and corrected the mistake as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: EQUIFAX, INC.
State: NV
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 sent in dispute letters XX/XX/XXXX and then sent a 30 day demand to comply letter and still havent got anything back. I sent to all 3 credit Bureaus

Company response to consumer: Closed with explanation