BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, USDOEXXXX Account number : XXXX XXXX Account number : XXXX USDOEXXXX  Account number : XXXX USDOE/XXXX   Account number : XXXX XXXX  Account number : XXXX XXXX  XXXXXXXX XXXX Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-06
Company: United Student Aid (USA) Funds
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I had contacted this company USA FUNDS to try to take care of my student loans which I decided within their timeframe that I did not want to do buisness with them so they sent me email of my cancellation but they still withdrew funds from my checking account which took months to get back & I have recently noticed they reported this on my credit which is uncalled for especially when I canceled before their timeframe was up.I decided to go thru a much better company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX We are behind on our mortgage payment because the high payment from new modification we were forced to except last year by Fay servicing to avoid losing our home and this problem its going since XXXX With Fay its a long story with couple different attorneys. 
So we received a demand letter from Fay to pay XXXX to cure our mortgage account and we got the money together try to pay but Fay blocked us on line and phone from making the payments and we only have till the XX/XX/XXXX to pay. 
Finally about the last week of the month of XXXX I was able to speak to My Account Manager and she make me email her a letter from each attorney I had in the past that Im not longer represented by the Even bankruptcy attorney from last year, which is was dismissed and done. By XX/XX/XXXX she got everything she needs and she still wont take my payment over the phone and I called on XX/XX/XXXX and she said no the balance is higher now I said how todays is XX/XX/XXXX it the last day for us to pay or we will lose our house and my account manager didnt care she said she had to get the new balance. 
XXXX we received certify mail from them telling us they trying to reach us for a long time by phone and mail, and was no success to talk to us witch is not true because I was calling every day. And today XXXX I called my account manager and she said now your balance is XXXX because of fees was added to my accounts XXXX fees??????? 
Now I have to file bankruptcy chapter XXXX this week to prevent losing our home. 
I have proof with all the phone calls and documents I received and I contacted local channel news to do investigation on our situation because its been going for a long time since XXXX it was just a small issue back in XXXX. Also we applied for modification and help until now. We havent got an answer of denial letter in the mail or email him now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Valor Intelligent Processing, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting calls from a place called VALOR and I have received a letter from them about something from XXXX. I have received letters from XXXX different companies about a collection from XXXX which I dont have. Valor calls me multiple times a week and is reporting this on my credit report and I want this information removed from my credit report and the calls to stop. The information on the letters arent even correct and why are XXXX different companies sending me request for XXXX which I dont have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 XXXX XXXX XXXX Bank # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2017-09-06
Company: Commonwealth Financial Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this matter already with this company.And I called them on XXXX-XXXX-17 as well.They told me they would send information on both accounts & that they would send deletion requests to all 3 credit reports which they have not done yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX XXXX I contacted Specialized Loan Servicing after receiving an NOD on our property. This debt was included in a BK in XXXX and transferred to SLS in XXXX of XXXX- which we were not aware of. We were told we could make an offer to SLS to get the lien released, as we want to keep our home that we have had for 22 years. They told us to get a full appraisal, a current payoff and write an offer letter. We did all of that and submitted to them on XX/XX/XXXX. We were told it would take 3-5 business days to get an answer. We had no response from them after a couple of phone calls. Then I called and spoke to a Supervisor who did not treat me professionally and said that I had this free money and had lived there all these years without paying. My husband and I are XXXX XXXX and had worked very hard to keep our home. They said our balance was $ XXXX ( which started out at {$75000.00} ) and that we would have to come in with {$40000.00} and no other options. There is no equity in the property as the full appraisal came in at {$850000.00} and we owe {$830000.00} and I offered {$5000.00} to settle. I keep getting different answers from them and they will not let me speak with any managers or upper management. I do not want to lose my home!

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 2018-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This refers to complaint # XXXX. I received an email from cfpb stating that I had closed not one, not two but three checking accounts with capone360. I do not remember having three checking accounts with capone360.. would appreciate an explanation of why this/these accounts were closed,, by whom and when.. I only had one checking account with capone360 I DID NOT intend to close this/these accounts until my issue with capone360 was resolved. I have no idea why these accounts are closed.. my complaint had to do with money missing from my checking and savings with capone360. please review my earlier complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: U.S. BANCORP
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:
Hello, on XX/XX/23 I had lost my wallet and all my belongings inside of it. Inside, contained 2 of my US Bank Cards. I had not realized I lost my wallet until the day after on XX/XX/23. I began to look for it and I realized the next day I would not be able to find my wallet. Then, I had filed a police report that my wallet was lost, but it was too late. Whoever had my wallet went and proceeded to spend close to {$40000.00} on my credit card. I was so upset at US Bank as I never received ANY verification texts or calls to ask if it was me! Also, I am so disappointed in the merchants involved as they did not ask for any ID checks to match with the card, if they took those steps this would not have happened! I called US Bank to dispute these charges and they began to " investigate ''. Their investigation in my eyes was very hostile towards me. I provided every single piece of documentation they requested with no hesitation whatsoever. I feel that the investigation was done unfairly and with bad faith as they were not trying to protect their customer. They conducted that their investigation concluded that they will be denying the dispute, when I asked if they can send me everything through mail or in writing somehow they would decline and that if I had any further issues pertaining to the matter to SEND A LETTER TO THE PRESIDENT OF THE US BANK which sounded like a slap in the face to me. The case managers involved, XXXX and XXXX were ZERO help and very unprofessional. Their numbers are ( XXXX ) XXXX & ( XXXX ) XXXX. I have left countless voicemails with no returned calls, they have left me no choice. Attached will be all the necessary documentation. Thank you so much.

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 2017-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
A number of months ago I paid off a {$11000.00} balance on my XXXX XXXX XXXX. Transunion never reported the payment on my credit report. I submitted a request to Transunion to inquire/correct the balance. Instead, Transunion improperly deleted the entire account, adversely affecting my credit history by deleting the longest open account. They told me to ask the creditor to report the account to them. I did that and was told it was reported to Transunion, but the account remains unlisted. 
Also, XXXX sold all of it 's XXXX credit card accounts to XXXX XXXX XXXX, transferring balances. ALL the credit reporting agencies incorrectly report account history starting from date account was transferred from XXXX to XXXX instead of from start of XXXX account. In my case, XXXX was opened in XX/XX/XXXX and XXXX replaced it in XX/XX/XXXX, incorrectly deleting 7 years of open account history and adversely affecting credit scores.

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 2023-07-06
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
YOUR COMPLAINT I am filing a complaint against XXXX, XXXX, and XXXX Credit Reporting Company. I have contacted them on multiple occasions and a quick fix is done, but it reverts back to either reporting another persons information or not at all. Specifically with XXXX, after removing again someones information they state had a name similar to mine but a different social security number now approximately 2 months ago, XXXX has decided to completely stop report my credit score completely. Because if they actions as stated above I have been denied credit and charged higher interest rates. I have been denied credit and have paid higher interest fees because of their misreporting and may take legal action if it is not remedied immediately. Include a copy of your drivers license, social security card, proof of address, and the attached screenshot. Please let me know if you have any questions. Navy federal XX/XX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XXXXXX/XX/XXXX. Please remove these things off my credit report they do not belong to me. Highest Regards, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I logged into my XXXX  account and noticed that I have a XXXX collections but I have never opened an account with them. I have not received a collection letter at my address either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was trying to purchase an exotic bird from a website. I made the purchase through XXXX and the business who was selling the bird. Didnt fulfill the purchase. I tried to reach out to Wells Fargo. Which is my bank. XXXX my transaction has the info of where the money went to and to whom it went to. I dont have that ability to see or dispute more than submitting a claim with my bank. They told me to wait 10 days. Which I did. And then when I called on the 11th day. They said the case was closed and they wouldnt give me the money back. If I didnt receive the good and Im claiming that the individual was committing fraud and grand theft. Then they should reach out to the receiving bank asking for my money. And they should take the money from this individual who had to have shownwd Identification to open up and account and negative balance his account. Or something needs to be done to fix the situation

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 2022-09-02
Company: BANK OF THE WEST
State: OR
Product: Credit card or prepaid 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:
Applied for a Bank of the West credit card. Got approved for a XXXX credit card. I had a pay no interest balance transfer offer that I decided to use to transfer the balance of two other credit cards ( XXXX, XXXX ). Bank of the West processed the balance transfers on XX/XX/XXXX. I waited a week for things to settle. It has been more than a week and upon checking and calling XXXX and XXXX they say they dont know anything a balance transfer and I still owe them the money. Bank of the west created a new debt without paying my other creditors first. I believe that until the transferred gets approved and paid off they shouldnt be charging interest or running time on their promotional offers. I talk to customer service they say they agree with me but they just work there and that it is common practice of them to do that. I dont understand how the bank is allowed to do this kind of things to people. Sound simple. Dont charge people interest or run time on promotions if you have not even paid off or transferred the balance. As a consumer I feel like

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 2018-02-18
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Companies listed on my credit report have been disputed. They were unable to verify the account. This has been ongoing. Some have been deleted, however the same company that has been deleted leaves some of their claims in tact. The following companies have not verified any of their claims under law and continue to renew claims which are decades old in origination, inaccurate, invalid, and fraudulent which is unlawful under the FTC and FCRA. I have entered into no contractual agreements with these agencies, nor have I ever conducted business with them or authorized them to receive any of my private or personal information. Any information obtained by them has been obtained unlawfully, fraudulently, and without my consent. Anyone who receives or uses this information without my expressed written consent are doing so illegally and are in possession of articles of my identity by way of theft. 

Pursuant to the FCRA 611 ( 5 ) ( A ), XXXX XXXX is required to promptly delete all information which can not be lawfully verified. All of my attempts to be provided with documents held on file from their company has gone ignored.

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 2022-09-02
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:
XXXX XXXX XXXX XXXX XXXX XXXX did not purchase the promissory note from XXXX XXXX XXXX. All allege contracts are completely fraudulent & the attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity of identity theft & power of attorney fraud. Please expedite the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, & losses due to me being a victim of identity theft. The FDCPA is intended to secure my right to privacy & my privacy has been breached. I am sure the removal of my information from your company records, and/or with any corporate aliates like XXXX, Transunion or XXXX to ensure my privacy rights won't be violated again due to my lack of consent. Please BLOCK & REMOVE all information resulting from Identity Theft pursuant to FCRA 605B ( 15 US & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days.

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 2018-09-14
Company: SUNTRUST BANKS, INC.
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
opened savings XXXX XXXX XXXX un suntrust bank have checking acct to with direct deposit XXXX I set up acct for XXXX $ month from XXXX XXXX go in had bank move XXXX $ in that acct savings and setup overdraft protection the XXXX $ was deposited in savings then majically it next day XXXX deposit to savings disappeared whether this is computer error/ or someone at bank that trying to steal funds I had issues before with my XXXX  checks had case with you.but really like before you done nothing, ,no fine on bank not much else so this more less report issue .if monies not in acct soon.i myself file federal lawsuit on bank.asking for XXXX $ for each error claiming embelezelment internal corruption of company and theft of XXXX  funds..when I claim theft of funds ect I ask all funds all suntrust banks be froze till case done including there stock market investments.if none 3 agencies I file with do anything they be included because kind of seems type of collusion

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 2023-03-10
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My deceased husband had a Discover card in his name. I was unaware of the card, was never an authorized user, nor did i formally agree to be responsible for this card.. He died intestate, in great debt, and because we were separated and lived in separate locations since XXXX it was quite a feat to deal with is finances. I notified all known creditors of his death and the majority were gracious when i explained that i had requested an autopsy and therefore any funds that i may receive as his surviving spouse would not come until approximately six months. Discover called my home at XXXX every week and Saturdays and called up until XXXX XXXX at night. The harassment was so great until i took to XXXXXXXX XXXX XXXX XXXX XXXX I spoke with the company and they requested proof that i did not live with my husband so i sent electric, gas, mortgage receipts, and other documents they requested for me to prove i was not aware of or responsible for the debt. i told them that there was not estate. They harassed me, invaded my privacy and to add insult to injury, they reported me to the credit bureaus as default on a debt and a 1099c for XXXX. I spoke with a representative to question why this action was taken even though it was not my debt and i was not required to pay it ; the customer service clerk said they were going to continue to attempt to either collect debt or charge me because my husband had used an account with my name on it to pay the bill. my name actually was initially on a XXXX XXXX XXXX account when were younger. However, my name was not on his checks and my checking account was at XXXX saving bank for several years. I was not aware that my name was still on that account.. Not sure if i was still an authorized user. I did not have a debit account for that XXXX account, and my name was not on his checks. Discover has ruined my credit and now jeopardizes me on my income taxes for federal and the state of VA. I am at my wits end and they won't listen. The tactics they are using are severe and harassing. Please help.

Company response to consumer: Closed with non-monetary relief