BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 decided to start a business a few months ago therefore I needed to get all my credit reports together. When i started to look into more detail, there were many errors which I was able to fix online. They even had my name spelled wrong. When i looked at the hard inquiries, I was shocked to see that there were some companies I had no idea who they were. They are 2 companies that have hard inquiries on the same day. So i tried to dispute these and I could not. I called the number that it asked you to call only to told that there is nothing they can do and that I have to call the company. which shocked me because I always thought via The Fair Credit Reporting Act ( FCRA ) requires the credit bureaus ( XXXX, XXXX  and XXXX  ) to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report. I was not informed of any of this so placed a fraud alert on all three bureaus. So i talked to XXXX  and they did remove one but refused to do the rest. I called XXXX and told them of the inquiries and they are reporting a " derogatory '' account with XXXX   and he was so rude to me. I have been banking with them for over 15 years, I have had a mortgage and personal and just opened my business bank account with XXXX and he said " it didn't matter that i had a history with XXXX, there is nothing he could do about it ''. I was absolutely stunned at his response after my families banking relationship i have with our local store. You can look at my record and dee that I am not a liar nor would I make this up. Now because of the reaction i got from XXXX, I will not call anyone else regarding this matter. You will clearly be able to see that there has been fraud on 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 2021-06-09
Company: JPMORGAN CHASE & CO.
State: KY
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 decided to start a business a few months ago therefore I needed to get all my credit reports together. When i started to look into more detail, there were many errors which I was able to fix online. They even had my name spelled wrong. When i looked at the hard inquiries, I was shocked to see that there were some companies I had no idea who they were. They are 2 companies that have hard inquiries on the same day. So i tried to dispute these and I could not. I called the number that it asked you to call only to told that there is nothing they can do and that I have to call the company. which shocked me because I always thought via The Fair Credit Reporting Act ( FCRA ) requires the credit bureaus ( XXXX, XXXX  and XXXX  ) to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report. I was not informed of any of this so placed a fraud alert on all three bureaus. So i talked to XXXX  and they did remove one but refused to do the rest. I called XXXX and told them of the inquiries and they are reporting a " derogatory '' account with XXXX  and he was so rude to me. I have been banking with them for over 15 years, I have had a mortgage and personal and just opened my business bank account with XXXX and he said " it didn't matter that i had a history with chase, there is nothing he could do about it ''. I was absolutely stunned at his response after my families banking relationship i have with our local store. You can look at my record and dee that I am not a liar nor would I make this up. Now because of the reaction i got from XXXX, I will not call anyone else regarding this matter. You will clearly be able to see that there has been fraud on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13
Company: EQUIFAX, INC.
State: NV
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:
The account is with XXXX XXXX XXXX XXXX and it shows that I was late in XX/XX/2017. My loan was actually in deferment. I recently checked my credit due to wanting to purchase a home in the near future and discovered this negative remark on my report. This negative remark lowered my XXXX score by more than XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: Waypoint Resource Group, LLC
State: UT
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:
Waypoint Resource Group # XXXX is reporting a balance on a collection I have already paid. I paid this collection in full but it is still displaying on my credit with a balance and it needs to be removed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: FHA mortgage
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:
To whom it may concern, I am inquiring about removing a few late payments off my credit report. During XX/XX/XXXX, I had XXXX XXXX XXXX XXXX causing me to miss work for 8 months or so, my I come was severely reduced causing me to fall behind on my mortgage payments. Thankfully, Ive resumed work and caught up on all my payments, paid every late fee and have been current without missing a payment for 8 months. Ive asked to have my lates removed due to the hardship I endured and as I stated, all payments were made and fees were paid. I was 30 days late on XX/XX/XXXX ( mo th I had my XXXX XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 60 days in XX/XX/XXXX and XX/XX/XXXX .... since Ive made every payment on time and have never had an credit issue previously or after those dates. 
If you could please assist in clearing up my report due to the nature of my situation it 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 2019-10-04
Company: Washington Collectors Tri Cities Inc
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Court related debt stemming from XXXX. Agency took on collection for county court. All debts paid to courts in XXXX XXXX County and XXXX county WA. Settled with Washington Collectors in XXXX also for all remaining fines. {$3500.00}. Collectors did not report as paid, continued to accrue interest and held my license. Were subsequently paid again to release license. Contacted them about these matters and they told me they were never paid. Still saying I owed them over {$7300.00}. Contacted courts which said was reported partially paid. Was not given resolution and hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: Student Loan Direct
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My name is XXXX XXXX and I received a call yesterday from XXXX XXXX in which she introduced herself as a student Loan Advisor. I was under the impression that she was with my Federal student loans. XXXX spoke very fast and I had had a bad day already and really was not focused as to all the red flags that she was saying within a short timebut by then XXXX had already completed a contract. Yes, I should have been more focused but at the same time I was telling her that I could not afford the five up front payments that she was saying I needed to make. But let me reinerate that I thought at the time we were speaking with XXXX XXXX XXXX. At this time I am on forbearance with my loans because my husband was without a job for over 2 and an half years and we lost everything but our house.

I did e-sign the documents but it was not until she was completing this information that a true red flag hit me, sort of speak. She said that they were not associated with the Department of Education. That statement hit me with a ton of bricks. 
The contract states that I am to pay five months of XXXX per month and no payments after that until I was approved for part of my loan being forgiven. 
I am retired and on XXXX and people like this prey on the vunerable and you would think at XXXX that I would of clicked at the beginning but she was no nonsense and kind of pushed me through. 
I can not afford these kind of payments and Student Loan Direct should be ashamed of themselves for this kind of practice.This is a shame that there is this type of practice out there for people out there that have hit hard times and have vulchers like these companies. I did not want this in the first place and just feel that I was basically sucked in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
While I was in the process of trying to rent an apartment, my credit report had to get pulled. I was denied due to several unknown items on my report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. DEPTEDXXXX XXXX {$4800.00} DEPTEDXXXX  XXXX {$2800.00} DEPTEDXXXX   XXXX {$3000.00} DPTED/XXXX  XXXX {$5500.00} XXXX  XXXX XXXX {$330.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: PLANET HOME LENDING, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Planet Home Lending ( PHL ) is currently servicing my home loan. They are claiming that I signed for a trial loan modification based on these terms ~ {$1100.00} payments due XX/XX/2019, XXXX XXXX & XX/XX/2019. They are claiming the modification documents were sent out on XXXX and you returned them on XXXX. PHL never modified the loan on a permanent level, which is a violation of CFPB and HUS servicing law. Instead they have pushed the case into foreclosure and have set a foreclosure sale date for XXXX. PHL also claims that they do not have records from the prior servicer, since they took over this loan XXXX, which is a violation of RESPA, 12 U.S.C. 2605 ( e ) ( 1 ) ( B ), They also do not show any record of the IN 32-30-10.5 mediation hearing notice or the FHA face to face meeting notice requirement was met. Both of these are violations of Indiana State Law and The False Claims Act ( FCA ) aka Qui Tam. Since PHL is refusing to cooperate on this matter, I am seeking your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: SYNCHRONY FINANCIAL
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:
My identity was stolen. At the early part of 2016, I started to receive telephone calls from several credit card and a exercise equipment company stating that I had taken out credit and had began to go delinquent in my payments. I filed a police report and provided it to all the creditors that I did not recognize on my report. While some companies have removed the fraudulent accounts from my report, XXXX XXXX/XXXX XXXX is one company that has refused to do so. I hired an attorney to handle this matter for me. He stated that XXXX would only agree to settle the balance that had now charged off. I made all the installments to pay it in full. However, the impact of identity theft is still affecting me because this shows as a negative entry on my credit. I would like for XXXX XXXX/XXXX to take in consideration all of the documentation I 've provided on identity theft and the great lengths I 've gone to get this rectified. I have disputed this in writing and directly through the bureaus but no one will listen to me! I have even agreed to pay money back that I never received. I want them to remove this from my credit report because we NEVER were in business on this account and they have come out the victor by getting money from me anyway.

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 2018-09-12
Company: Big Picture Loans, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a payday/installment loan from Big Picture Loans on XXXX18 in the amount of {$1500.00} ; which was instantly deposited into my checking account. I was not able to fully and completely review The Truth in Lending Disclosures until after acceptance of the loan- BIG mistake. It showed an APR of 474.8487 % ; and the total amount due for the original {$1500.00} loan would total {$7800.00}. I have contacted the company several times to discuss not being able to make these payments and about the extraordinary high APR fees. One representative told me that they will " defer '' a payment for me in order to " catch back up '' ; but that would also incur interest on a daily basis on the total amount due. Another time I spoke with a representative and discussed not being able to pay any further payments and I was told/threatened that if I stopped the automatic payments from being taken from my checking account then they will issue a " remote check '' to withdrawal the entire amount owed. I have made the following payments of {$300.00} : XXXX18, XXXX-18, XXXX-18, XXXX-XXXX-18, XXXX18, XXXX18 for a total of {$1800.00}. I have paid more than what was originally borrowed. I am financially no longer able to sustain these payments and have tried working with Big Picture Loans to no avail- all they have done is postponed payments, adding additional interest to an amount I already can not pay. If you can assist with having this account closed with Big Picture Loans- I will greatly appreciate it. I would just like this account to be closed and considered paid in full and no further withdrawals from my checking account. Thank you so much for your assistance. 
Big Picture Loans contact info : XXXX XXXX XXXX XXXX, MI XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: Santander Consumer USA Holdings Inc.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Okay, my problem is complicated. I may have to send three separate complaints against ( Santander USA, XXXX XXXX and XXXX XXXX ). Here is my problem. 

I have two lien holders listed on my non negotiable title. I live in Oklahoma. In early XX/XX/2013, I took out a loan with Santander USA, and in late XX/XX/2013, I had it refinanced with XXXX XXXX for a lower interest rate. On XX/XX/2013, Santander USA was paid {$17.00}, XXXX for my vehicle loan, meaning Santander USA was paid in full by XXXX, and thus, XXXX XXXX became my new lender and lien holder. Months prior to paying XXXX XXXX 's loan off, XXXX sold or transferred their auto loans to XXXX XXXX, which complicates matters. 

My local tag office in XXXX, Oklahoma, which provides clear titles, refuses to give me my full, and clear title, because they states Santander and XXXX needs to be removed as lien holders. Neither company ( Santander and XXXX ) sent in the proper paperwork to the Oklahoma Tax Commission, ( OTC ) removing their liens. In addition, XXXX XXXX  's transferee ( XXXX XXXX ) failed to send in proper paperwork either to temporarily add their lien and advised they were taking over XXXX, nor did they send in a lien release to the OTC. 

All of this has been a headache for me and it doesn't appear to be resolved anytime soon. Meanwhile, I am denied my clear title because of them. This is a clear violation and fraud. I will be sending separate complaints for each lender ( Santander USA, XXXX XXXX and XXXX XXXX ).  Please investigate. and help me get my clear title without liens on it. Thanks for your time. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Completed a Refinance in in Late XXXX on our house serviced through Roundpoint Mortgage that uses XXXX as a third Party Servicer. The RE-FI was done by XXXX XXXX XXXX ( New Loan ). During the process Roundpoint paid the property taxes through the escrow account because they were due, and XXXX XXXX also paid the taxes on the new loan through escrow, using XXXX XXXX to complete new loan. I have confirmed the double payment through XXXX XXXX County Tax Assessor that payment was accepted on new loan through escrow and payment from Roundpoint was sent back for double payment on XX/XX/2018 of {$2900.00}. Because i knew taxes were paid twice I allowed approximately 60 days to process for reimbursement of overpaid taxes by Roundpoint before I started inquiring about the overpayment with Roundpoint. After this time I have made approximately 8 calls to Roundpoint asking for  reimbursement totaling hours on the phone only to get get many variations on what is going on, i have been told by Roundpoint that, nothing is showing owed to me, its under review, still in processing, through conference call with Tax Assessor that it will be overnighted to me on XX/XX/XXXX, to now it will take another 6-8 weeks for reimbursement. Round point has been less than cooperative in resolving this in a timely matter and in truth I believe it is lost in their system. I have researched matter and have documents showing Roundpoint payment on XX/XX/2018, XXXX XXXX   payment on XX/XX/2018, and Tax Assessor payment back to Roundpoint on XX/XX/18 Just looking for help to resolve this matter. Thank you

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 2017-01-19
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Multiple phone calls, info giving out to another family member, no clear info given about repayment options, deferment, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
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:
AFTER REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED AN INACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-06-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened my bank account with Citizens Bank around XX/XX/XXXX. I signed up using a promotional offer that made me eligible for {$450.00} bonus after successful direct deposits ( I have a screenshot of the offer ) I then finished my direct deposit requirement and called the bank around the end of XXXX. The agent verified that I have successfully completed the requirements for the bonus and I will receive it automatically in 90 days. 
I called the bank again around XXXX and they said bonus will post around XXXX end. 

When I finally called in XXXX they refused the bonus citing some bogus technical reasons. I have a screenshot of the offer with the link I used to open my account. 
Despite making repeated calls and even in-person visit to the branch they are just delaying the issue and have failed to provide any reasonable explanation for last 20 days. 

Here is my complaint number registered with citizens bank : XXXX Any help regarding this will be appreciated. 

Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I was approved for XXXX Credit Card around XXXX with a credit limit of {$2500.00}. I used the card twice to make purchases and paid them off, but after making a 3rd purchase of {$1800.00}. The company approved my purchase but a couple of months later reduced my credit limit to {$1600.00}. Making my purchase be over my limit. 

I called to see why and have been told that the credit bureaus informed them that that was the highest amount that I could be approved for. 
I contacted the bureau was told that they did not inform them of this. 
I contacted XXXX again and they insist that this is what has happened. 

I am truly annoyed by this because of the impact on my credit report it shows that I went over my credit card limit and I did not. What can I do? 
Please assist me with this matter and I truly thank you in advance.

Company response to consumer: Closed with explanation