BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I applied for a XXXX XXXX and XXXX card on XX/XX/XXXX. I was told that I would receive a letter in 7 to 10 business days. When I received the letter I was told to call and verify my information. I called and was told I was approved for {$250.00} for XXXX and {$350.00} XXXX. So then I got a letter asking for a copy of my id, drivers license, and bank statement. I sent in the information Priority Mail which was {$6.00}. I called XXXX XXXX  when it was delivered and was given an account number and told that I can go into the store with my social and they would be able to pull up my information. So I took my wife to go get some clothes. Imagine my embarrassment when I was told that the information was still not working. So they gave me a number and I called, XX/XX/XXXX I spoke with a supervisor who told my account was permanently closed because the id and social security were unreadable. But the supervisor advised he would give 45 more days if I could get in a better copy. So I took time out of my day to go down to the social security office and get a brand new social security card. Sent in the information AGAIN priority on XX/XX/XXXX another {$6.00}. Tracked and seen it delivered on XX/XX/XXXX. Called almost every day to commenity since then and was told no information was processed yet to give it a few more days. Give it a few more days. Give it a few more days. Called yesterday XX/XX/XXXX, was told by a supervisor in Idaho that the account was permanently closed back on XX/XX/XXXX and he could not reopen it. NOT ONCE was I told that when I called several times before that. I was told the information was not received. Now these 2 credit cards are reporting to my credit report as closed accounts and SIGNIFICANTLY dropping my credit score because that reflects bad on me. These accounts were never open to begin with so how can they be closed. I am disgusted with this company and extremely disgusted with the customer service I received. I spoke with several people who never told me once that my account was permanently closed. I gave the supervisor last night the tracking number to the information sent on XX/XX/XXXX and he too seen that it was delivered on XX/XX/XXXX. Why it was not processed I am not sure. But I want these 2 credit cards off my report! This is completely ridiculous. And completely unprofessional.

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 2017-11-27
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My name is XXXX. I live in XXXX, PA. I applied for XXXX XXXX XXXX signature credit card believing that it would provide me with 0 % foreign transaction fees as advertised. I contacted the customer service of XXXX XXXX twice before XXXX XXXX to inform them that I would travel to XXXX between XX/XX/XXXX - XX/XX/XXXX and I would be transiting in XXXX. I also verified with them that there would be 0 % foreign transaction fee. They said yes. I also told them that I would use the card to pay for my engagement celebration at a restaurant. On XX/XX/XXXX, I tried to make a purchase for $ XXXX at a restaurant for my pre-wedding celebration in XXXX but my transaction got declined 3 times. I made an international call to TD to ask them to approve the transactions. Their fraud department and customer service tried to verify me through a lot of questions and I was able to give them my social security, my address, all other questions they asked me. At the end, they told me they would not approve the transaction because They would need to call me using the number in US. I told them I am not in the US and  they could just email me. They did n't want to do that knowing that they would need to honor the 0 % they promised me. Clearly, this is a dishonest conduct from TD credit card services.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-31
Company: Mr. Cooper Group Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am submitting this complaint because I am being extremely affected by NATIONSTAR MORTGAGE LLC. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

I was a victim of mail fraud and local XXXX police has arrested someone for the crime, my mail was being stolen for over 2 months, including my bank statements and mortgage statements, Also the website for Mr. Cooper has been malfunctioning and locking me out, didnt show if payment was due and I had setup auto pay numerous times by phone and online and they kept on not being able to set it up for me. 

My Account is : XXXX XXXX XXXX. 

I am requesting removal of late from all credit report. 

Please see the attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, submitted a letter to Trans Unions concerning they obtained my bankruptcy through a 3rd party and not directly from the bankruptcy court. On XXXX XXXX, I received letter from Trans Union, file # : XXXXXXXX, stating the bankruptcy was DELETED from my credit report. On XX/XX/XXXX & XXXX XXXX, XXXX, I notified Trans Union after pulling my credit report the bankruptcy was returned to my credit report. Also on XX/XX/XXXX, I submitted a letter to Trans Union concerning XXXX XXXX account # : XXXX. I received a letter from Trans Union on XX/XX/XXXX, file # :   XXXX, stating this was DELETED from my credit report. Only to receive a credit report from Trans Union on XX/XX/XXXX, this item has reappeared on my credit report., along with the bankruptcy. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), Trans Union is required to notify me of the reinsertion in writing within 5 business day, I received NO such notification!! And this is a a very serious violation of the FCRA.

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 2018-12-11
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I've been working for the XXXX  XXXX  since XX/XX/2005. I just found out after years of paying my student loans that I had the wrong type of loan and am not eligible for forgiveness. I had FFEL loans, and I had no notification that it had to be a direct loan. A federal loan is a federal loan. So now I've almost made 120 payments and don't qualify. This has to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: ALLIED MORTGAGE GROUP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I did a refinance loan with Allied Mortgage Group ( XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX ( phone XXXX ). I closed on the loan on XX/XX/2019. At closing XXXX XXXX XXXX representative told me you get a month off ( no mortgage payment for XXXX. ) I get a text from my previous lender ( XX/XX/XXXX) on XXXX XXXX stating my mortgage payment is still due XX/XX/XXXX. To my surprise I called XXXX the to inquire about this payment that was due {$990.00}. Turns out XXXX received the wrong payoff amount from Allied Mortgage Group and XXXX XXXX title. XXXX tried to reach out to both Allied Mortgage Group and XXXX XXXX XXXX XX/XX/XXXX and XXXX. They received no response back and they returned the payoff check back to XXXX XXXX XXXX. So from XX/XX/XXXX to XX/XX/XXXX I'm being charged extra interest in sum of {$380.00} from my old lender XXXX because the loan is still open. Not until XX/XX/XXXX did Allied Mortgage and XXXX XXXX resend adequate funds get the loan closed with now a higher pay off amount because of acured interest. 1. How did Allied Mortgage Group give the wrong payoff amount to the my previous lender XXXX? Why was the payoff amount not verified? 2. Why was the correct contact number and contact names for Allied Mortgage Group or XXXX XXXX XXXX not supplied to XXXX in case of a major issue like this one. XX/XX/XXXX I the customer had to notify Allied Mortgage and XXXX XXXX that my loan did not close and i was charged a extra {$380.00} in interest. Allied Mortgage Group and XXXX XXXX XXXX negligence has cost me a higher payoff ( XXXX extra ) that was not even disclosed anywhere on my closing contract. They are stealing money from me if they do not refund me the amount of {$380.00}.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-28
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid off my Citi card in XX/XX/2018. I am enrolled in paperless statements. There was a {$23.00} charge in XX/XX/2018. 

I have not received ANY statements from them until this morning, when I got a notice saying that my TWO accounts with them ( I only have ONE account ) were four months overdue. And they are charging me more than {$400.00} for that {$23.00} charge. 

I can not access their messages to me on their web site ; the system freezes and then I am locked out. 

I want those exorbitant charges removed. There is no way I am going to pay more than 1000 % interest on that tiny amount.

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 2020-07-29
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2020 Consumer Financial Protection Bureau PO Box XXXX XXXX, IA XXXX Re : XXXX XXXX XXXX XXXX : XXXX    XXXX : XXXX Fair Debt Collection Procedures Act Debt Validation Dispute I. 

This is a complaint pursuant to the terms of the Fair Debt Collection Procedures Act ( FDCPA ), Title 15 of the United States Code ( U.S.C. ) section 1962g, et seq., and the implementing regulations set forth at Title 16 of the Code of Federal Regulations ( C.F.R. ), section 660, et seq., disputing the validity of debts allegedly owed by me and the procedural deficiencies in the furnishing to and recordation by a consumer reporting agency of information in my consumer file as identified with and pertaining to me.

II Equifax Consumer Reporting Services ( " Equifax " ), a consumer reporting agency as defined by the FDCPA, has within its  files, records, and databases a consumer report identified with and pertaining to me contacting items of adverse information supplied by unidentified suppliers of information regarding debts presumably owed by me. ( See : Exhibits 1 & 1A ).

III Although the information supplied Equifax provides the dates the accounts were opened and reported to Equifax, they fail to meet the notification criteria set forth by the FDCPA in that they preclude information as to : 1 ) The identity of the original creditor. ( See : 15 U.S.C. 1692g ( a ) ( 1 ). 16 C.F. R. 660.4 ( 4 ) ) 2 ) The address and other contact information of the original creditor ( See : 15 U.S.C. 1692g ( a ) ( 1 ). 16 C.F. R. 660.4 ) 3 ) The name and business address of the information furnisher. ( See : 16 C.F. R. 660.4 ( 4 ) ) 4 ) The dates the debts became delinquent. ( See : 16 C.F. R. 660.4 ( 4 ) ) 5 ) The actual validity of and the reasonable attempts undertaken by Equifax and the information furnisher to establish the validity of each debt. ( See : 16 C.F. R. 660.4 ( 4 ) ) IV Pursuant to 15 U.S.C. 1692g ( b ) and 16 C.F. R. 660.4 ( a ), I dispute the validity of the alleged debts and seek the following relief : 1 ) A proper FDCPA notification of the alleged debts, including the following information : 2 ) A proper validation of the alleged debts as per the terms of the FDCPA 3 ) Reinvestigation to determine the veracity of the information subject to this dispute. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

4 ) SUSPENSION of collection activities with respect to the alleged debt, pending final disposition upon re-investigation. 15 U.S.C. 1692g ( b ). 
5 ) DELETION of the disputed information from my Equifax consumer file. 

V Equifax Consumer Reporting Agency may be served a copy of this Complaint at the following address : Equifax Consumer Reporting Agency XXXX. XXXX XXXX XXXX, Ga XXXX Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
Company: ECMC GROUP, INC.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On a letter Dated, XX/XX/2019, Educational Credit Management Corporation failed to identify itself as a creditor or Debt collector and conducted Bad Business Practices by falsely stateing that I must act quickly to avoid my student loan payment from going into default and tha, I have not made a student loan payment in six months. That can not be a fact because my student loans are already in default and, I have a payment plan with the Department of Education because of my disability that is payed every month. Educational Credit Management also falsely stated that it is the guarantor of my federal student loans, and has failed to send me a verification notice of the debt that it is trying to falsely collect and has violated several federal laws by not properly identifying it self as a creditor or debt collector in its letter. and has failed to send me any documentation to prove it is a valid debt.

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 2019-04-28
Company: EQUIFAX, INC.
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:
I am a victim of identity theft. I have submitted police reports and all the paperwork verifying that Im a victim of identity theft. Equifax continues to report a fraudulent account on my credit file. The company is called XXXX. I dont even live anywhere near a XXXX. On top of that I was on XXXX military duty protecting and serving our country at the time overseas. I cant help that some scumbag may have stolen my identity. Equifax had a security breach and now they arent in compliance with the FCRA 605B. Block of information resulting from identity theft 15 U.S.C. 1681c-2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-27
Company: Consumer Portfolio Services, 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: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX, 2016 I went into XXXX XXXX XXXX with a pre-approval letter from XXXX XXXX and test drove a XXXX XXXX. The Manager XXXX XXXX requested an Unauthorized credit inquiry with out my knowledge or consent and my credit was ran XXXX times. I realized this had been done once I got home and received a email from XXXX XXXX monitoring alerts. The next day I went back into the dealership and asked to speak with the General Manager XXXX XXXX. I explained what happened and she wrote a letter to the Finance Companies and the Credit Bureau requesting the inquiries be removed on XXXX XXXX XXXX 's behalf. Unfortunately, as of today NONE have been removed. Since then I 've called, faxed, sent certified letters that XXXX XXXX drafted and wrote to each finance company as well as the credit bureau requesting each inquiry be removed. NOTHING has been removed a year later. I 'm in the process of purchasing my first home and these XXXX inquiries are hurting my credit score tremendously and is affecting the finance rate I need and deserve. I should not be penalized for something that I did n't request. The company has asked that they be removed and so have I.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Paid my credit card payment through compass and didnt have the money to cover it so got sent back. No one notified me or told me. And they kept trying to put it through all month charging me XXXX $ every time. They tried to say I didnt have money in the bank so I asked if deposits go on before withdrawals. I was told yes. Then wen I showed them the withdrawal went through at XXXX am and I got my paycheck at XXXX and deposited it, thats wen they change their mind and say no this particular withdrawal is instant even tho it never has been instant for a whole year until I showed them wat they said wasnt correct. So they just change their minds everytime you prove that they are lying. Isnt that convenient. Always a reason how theyre right and the customer is wrong. That way they can steal money from on anyone anytime they want. This needs to be stopped and compass board of directors needs to be locked up with a life sentence since theyve been stealing from Americans since they came into existence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Experian Information Solutions Inc.
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:
Lets just say for many years but let 's just talk about 2021. So Since XXXX of 2021 every single month untill which is XXXX I have disputed/pleaded and requested for XXXX XXXX and Expe

rian to do their job. I have requested all 3 every single month to do a independent investigation on Certain things which inaccurate and falsely reporting on my credit files.Instead of following the FCRA Guidelines and doing a independent investigation on my behalf they have refused and keep defaming me and families by name falsely reporting these inaccurate and fraudulent activity which is in accurate or doesn't belong to me.. This includes Late payments when I was never late /inaccuracy in their own payment reporting history like XX/XX/XXXX30 late/XXXX 30 late/June OK XXXX 60 late and XX/XX/XXXX 30 late again Also reporting the same account twice same furnisher same dates same amount due literally the definition of double jeopardy. 

To Reporting collections like a apartment in a city I have never lived or will live To not reporting a statement of this account is being disputed To even reporting on a Account I closed months ago and was reporting as closed to currently 60 or 90 days late with a balance but still closed that because of their false reporting just dropped my score from a XXXX to a XXXX And alot more I can tell you once this taken care of to start And because of these inaccuracies and lies have caused me to lose numerous loans for my business.

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 2022-01-05
Company: Experian Information Solutions Inc.
State: VA
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:
On XX/XX/2021, I received a letter from the Department of Education ( SEE ATTACHMENT ) stating I'm discharged from my student loans. It also stated that they contacted the credit bureaus to remove the discharged student loans off of my credit report, which still hasn't been removed.

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 2019-04-28
Company: Specialized Loan Servicing Holdings LLC
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:
I had a frozen bank account and my mortgage payment for XXXX was paid late in early XXXX. My credit report after 3 requests and disputes shows XXXX still missed. XXXX XXXX and XXXX are paid. I have no arrears yet it now shows 2 late payments or missed. This has destroyed my credit and dropped me nearly 200 points. It has caused banks to reduce my facility on all cards and this should not be allowed especially after disputing the information provided to XXXX and XXXX. I am current and have no missed payments on my mortgage account with SLS. I attach my payment record and a current statement from SLS to show no arrears and next payment due XX/XX/XXXX.

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 2019-04-28
Company: Lending Club Corp
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I am attempting to make my XXXX payment but the company has removed the ability to pay online from their Account website. They are hassling me about calling them to make regular payments or penalize me for mailing a check.

Company response to consumer: Closed with explanation