BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-07
Company: Millennial Home Lending, Inc
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I contacted XXXX XXXX ( XXXX  " XXXX '' XXXX - XXXX ) regarding a cash out refinance in XXXX of this year. I locked in my rate and was given the loan estimate disclosure. In it, there was no mention of points nor was any discussed over the phone or email. After 5 or 6 weeks I received the closing disclosure and found points totaling {$1700.00}. I immediately contacted them and asked what that was about. They said they had to pay a fee to maintain the rate that I was locked into because the term was going to expire. The reason the loan process went past the expiration date had nothing to to with me. I provided everything they requested either the same day or within a day or two. At this point, considering where interest were going, I was stuck. If I said canceled I would have ended up paying a higher interest rate someplace else. 

They sent a notary to my house to sign documents. The cash I was to receive based on the closing loan disclosures was {$43000.00}. This is what I signed for. After more than a week after signing I was contacted by an escrow officer ( XXXX XXXX with XXXX XXXX - XXXX ) telling me there was a {$100.00} endorsement fee charged by title and recording fees went up by {$16.00} so I would receive {$110.00} less. I sent an email to XXXX  and the escrow officer telling them I was not ok with this as this is not what I had agreed to in writing. I have called and emailed numerous times. Each time they tell me they are working it out to get a refund to me but nothing has happened and I have not received the money. This has been going on for more than XXXX weeks.

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 2021-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Pursuant to 15 USC 1681a ( 2 ) ( B ) Any authorization or approval of a specific extentension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 1602 ( I ) which states, The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or service on credit. Notice, Congress said ANY card. The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction below. They should all be removed from my consumer report to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove theses transactions from my credit report immediately as they are a violation of my rights as federally protected consumer under title 15 chapter 41.

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 2021-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 sent multiple letters to XXXX, transunion, and XXXX regarding an inaccurate account on my credit report by XXXX XXXX and XXXX. Not only is the account not mine but the I allegedly opened the account is not even the same on all three bureaus and the date it was supposedly reported is all different as well. I have no knowledge of this account, no recollection of a contract with XXXX, and to my knowledge the fact that the bureaus are furnishing and reporting inaccurate information is a violation even though I was told not so and a violation of the FDCPA section 807.

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 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
hi transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX  its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX  remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2017-07-07
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Requested and paid for 3 month foreberence to be made current at end of said foreberence. I was charged {$150.00} immediately on the phone - payment went through - agent heard and understood my inability to pay and that the {$150.00} was justified I suppose to get a piece of reprieve from outrageous calls to me and more my grandma ( co signer ) I have recording of call when other agent investigated the issue when I was asked for payment six weeks  after foreberence in place. I was dooped and it 's admitted in conversation and we can retrieve the records from recorded phone call if needed. I was denied any form of a transcript. Please help me get treated with some decency. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: CL Holdings LLC
State: NM
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2016 someone opened a line of credit in my name with XXXX. The parent financial institution is Jefferson Capital, they are the one holding the dent in my name. I was in XXXX  XXXX  between XXXX through XXXX. The amount of {$540.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: Experian Information Solutions Inc.
State: CA
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:
To Whom It May Concern, I recently obtained a copy of my credit report and found incorrect items currently being reported which I am requesting you investigate per my legal rights under the Fair Credit Reporting Act : XXXX XXXX, XXXX. Acct # XXXX Please verify the current balance on account within 30 days of receipt. If this information cant be verified, I demand the deletion of this account. 

XXXX # XXXX Please verify the 30 day late payments on the account within 30 days of receipt. If this information cant be verified, I demand the deletion of this account. 

Enclosed you will find a copy of my driver 's license and social security card.

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 2017-12-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Follow up complaint. 
From my previous complaint regarding Portfolio Recovery Associates, they sent the documents requested. From my previous complaint, I stated that I was never told about this collection from their company and their intent to place this account on my report as a negative account. When I received my free annual report in XXXX, thats when I became aware of this insertion onto my credit. According to my XXXX report, this insertion was first reported to this bureau on XX/XX/XXXX. After reviewing the last payment documented as requested, the last payment was recorded XX/XX/XXXX bill, meaning the last payment was in XX/XX/XXXX.XX/XX/XXXX This account was outside of the statute of limitations when it was placed on my credit report. This company knowingly inserted an old account with intentions of ruining my credit. Furthermore, they never contacted me regarding their intent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: Experian Information Solutions Inc.
State: IN
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:
Information not removed from credit report after being paid or discharged in bankruptcy and credit each credit bureau is showing different information and different accounts to I have filed bankruptcy twice and I should not have any negative items on my credit 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 2017-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Information not removed from credit report after being paid or discharged in bankruptcy and credit each credit bureau is showing different information and different accounts to I have filed bankruptcy twice and I should not have any negative items on my credit 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 2019-07-10
Company: Rauch-Milliken International, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX of Rauch-Milliken International , Inc. alleges there is a debt of {$1300.00} owed. This alleged debt is unknown and disputed. An attorney letter of representation, along with a request for 1 ) A copy of the original written agreement between the parties, 2 ) A copy of the assignment of the alleged debt to Rauch-Milliken International , Inc., and 3 ) Copies of all correspondence in relation to this alleged debt, was provided to Mr. XXXX on XX/XX/19. No response has been provided. Rather, Rauch-Milliken International , Inc. has disregarded the attorney letter of representation and continues to harass, threaten, and hang up on the alleged debtor via telephone calls ( two calls at XXXX XXXX and XXXX XXXX EST on XX/XX/19 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
XX/XX/2020 - Made a balance transfer from my American Express Blue card ( {$940.00} ), and a balance transfer from my American Express XXXX card XXXX {$2200.00} XXXX. XXXX made both transfers on XX/XX/2020. 

The XXXX balance was immediately shown on my account for the American Express XXXX card. It's been a week later, and nothing is shown in my account for the American Express Blue card ( Account number XXXX XXXX XXXX ). 

I reached out to XXXX, and they told me that the transfer was completed. When I called American Express at XXXX, they told me that there was no transfer. I offered to email the representative documentation from XXXX, and was told I couldn't. 

Whether intentional or not ( probably unintentional ), I feel that I have just been swindled for XXXX. American Express is not interested in any proof that the balance transfer occurred, and the representative was talking down to me like I was a child. Once this episode is over, I plan to cut up my American Express cards, and withdraw all my money from the savings account I have with them. In the mean time, I am just looking for a little justice here, and having MY money that was taken by American Express returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was divorced and my ex spouse was deeded the house in divorce. He never refinance with XXXX XXXX XXXX so my name was still on the loan. I was assured, in divorce that this account could not affect my credit because the property was deeded to him. I have no legal rights or obligations to this home. My ex spouse is in the process of selling this home and has missed a payment. It is reflecting in my consumer credit and avoiding me to seek options to purchase a home. Ive submitted documentation about the deed that was recorded. I desperately need this blemish removed from my credit reporting

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 2020-04-24
Company: BCA Financial Services, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am in the XXXX XXXX XXXX. According to XXXX, I Can't be charged for XXXX deductibles, coinsurance, and copayment. 
I received collection notice from a provider attempting to collect amounts that XXXX statement indicated that I did not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX IS REPORTING ADVERSE INFORMATION ABOUT ME TO CONSUMER REPORTING AGENCIES. I DID NOT GIVE WRITTEN CONSENT TO FURNISH PRIVATE INFORMATION ABOUT ME TO ANYONE. AFTER VIEWING MY CONSUMER REPORTS, I NOTICED INCONSISTENCIES IN THE INFORMATION BEING REPORTED FROM CONSUMER REPORTING AGENCIES BY XXXX XXXX XXXX XXXX ALONG WITH THAT INFORMATION BEING ADVERSE TO ME. I DEMAND THAT XXXX XXXX XXXX DELETE THE ACCOUNT IMMEDIATELY. ATTACHED WITH THIS COMPLAINT IS MY COMPLAINT LETTER, PROPER IDENTIFICATION, AND SCREENSHOTS OF THE ALLEGED ACCOUNT FROM CONSUMER REPORTING AGENCIES SHOWING THE INCONSISTENCIES OF THE REPORTED INFOROMATION. XXXX XXXXXXXX XXXX  HAS DISHONORED THE UNITED STATES CODE AS WELL AS MY RIGHTS TO PRIVACY AND KILLED MY CONFIDENCE IN THE BANKING SYSTEM. I DEMAND A RESPONSE WITHIN 10 DAYS FROM THE RECEIPT OF THIS COMPLAINT. HAVE A NICE DAY!

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 2021-06-12
Company: OneMain Finance Corporation
State: FL
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:
It was not told to me directly in writing within the terms that a hard inquiry will be pulled from a financial institution on a pre-qualify offer. I contacted the financial institution to provide me the terms that stated it specifically and they denied the request. I then went to dispute the hard inquiry with XXXX  and they concluded it was to remain on my profile fir the 2 years. This is concerning as it is now negatively affecting me and I am not provided with more information. I will continue to push for more answers and an actual resolution to this, even if it needs to be that I take legal action on both the financial institution and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Stenger & Stenger, P.C
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XXXX XXXX, XXXX, Stenger & Stenger sent a copy of an Order of Substitute of Counsel on a supposed Complaint on a supposed Judgement on a debt that is from XXXX and is now Time-Barred and well past the 6 year Statue of Limitation within Tennessee for residents. ( TCA 28-3-109 ). Also, Stenger & Stenger PC are located in XXXX XXXX MI, and upon further research regarding this firm being licensed to collect a debt in Tennessee, I have found no such information. This time-barred debt from XXXX is also no longer on ANY of the 3 Credit Bureau at of XXXX XXXX, XXXX. Stenger & Stenger is trying to bully & threaten with a frivolous and unwarranted judgement upon my husband and has SHOWN absolutely No proof of the validity of the debt from XXXX. Again, this is a debt from XXXX, it is Time-Barred & 4 years past the 6 year Statue of Limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Cedars Business Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is an update to my previous report today. Number Not Available. 

I incorrectly stated the time when I stopped processing Credit Cards, I still had done some processing through XXXXXXXX XXXX  XXXX, as I kept advising Client 's to find another CPA. However, after that date I did not process any more credit cards to date XXXX XXXX XXXX. Additionally, I mailed back their Credit Card machine to them. The Credit Card Company charged me through XX/XX/XXXX ( should have stopped in XXXX ). Another Credit Card Company showed up in a later year charging me and I had this stopped through the Bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
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: Information belongs to someone else

Complaint:
TransUnion and XXXX  have accounts on my report that are fraudulent. I have tried numerous times to get them removed, but to no avail. I have attached police reports and an identity theft affidavits to this complaint, hoping that this will work. The XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX accounts are all fraudulent accounts and I would like those blocked please. My next steps will be to retain an attorney to get these fraudulent accounts removedXXXX XXXX has complied and I would like XXXX and TransUnion to comply as well. I have been disputing these items for years and they keep reappearing. I was a victim of the Breech with XXXX  and it has been a lot. Please remove and block asap. There are also multiple inquiries that need to be removed in the affidavit. I need them blocked please and 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