BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX has incorrectly reported our mortgage loan balance as increasing to TransUnion and XXXX for two months in a row. 

On XX/XX/XXXX XXXX XXXX incorrectly reported a balance increase of {$540.00} from {$75000.00} to {$76000.00}. 

On XX/XX/XXXX XXXX XXXX incorrectly reported a balance increase of {$1600.00} from {$76000.00} to {$77000.00}. 

The loan balance as of XX/XX/XXXX on the XXXX XXXX page for our account is {$74000.00}. 

This has had a negative impact on our credit report for two months running lowering our score.

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 2020-09-16
Company: Specialized Loan Servicing Holdings LLC
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: Account status incorrect

Complaint:
I have a mortgage loan with Specialized Loan Servicing ( SLS ). I sent in a loan payoff in XX/XX/2020. SLS confirmed receipt but never paid off my loan. The funds were not applied to the loan balance. I called customer service numerous times as I was still receiving statements in XX/XX/2020 & letters with a mortgage balance. It is now XXXX & after numerous calls to customer service, I received an update on my credit history showing that SLS reported a delinquent account. How can I be delinquent when the loan was paid off in XX/XX/2020? SLS failed to process the loan payoff in XXXX. My credit needs to be corrected & I want evidence/confirmation that SLS corrected it. I have excellent credit - over 800 credit score.

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 2022-01-08
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: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT. PLEASE REMOVE THESE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE.

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 2017-09-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have a few accounts with Synchrony and my Walmart card, amazon card, 76 cars and a few other accounts without notice have had my credit limit decreased for no resin at all. I have made my payments on my accounts and they did this. 
I 'm dealing with my husband since he is severely sick with XXXX XXXX XXXX computer and this has put additional stress on me when I have tried my hardest to keep all my accounts current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
So I have already done a complaint about this, in my other complaint, I listed about XXXX false inquiries that were on my report, experian took care of XXXX of them, but thry claimed rest of them were not listed. Below are the inquiries that are still on my report that were not made by me, the creditors told me to dispute with experian but experian doesnt allow you to dispute hard inquiries online or by phone. 

those inquiries are XXXX XXXX XXXX XXXX  ON XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX/XXXX on XX/XX/XXXX XXXX Card - XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX all these were not made by me, also the bankruptcy on my report doesnt belong to me, it belongs to someone else, Ive contacted the bankruptcy  court they said they do not confirm bankruptcies or verify them with credit agencies or consumer information service providers, they are claiming i have a bankruptcy, but have not verified it with the court, i am also disputing it with XXXX who is furnishing the data, who didnt verify it with the court, and only using last XXXX of social to compare data.

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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 sent a letter off on XXXX XXXX to XXXX, XXXX, Transunion, tracking number for each letter XXXX # XXXX, XXXX # XXXX, Transunion XXXX, to remove personal information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681. I HAVE THE RIGHT TO PRIVACY. Also according to the 15 USC 6802 NO FINANCIAL INSTITUTION IS NOT SUPPOSE TO SHARE MY INFORMATION TO THIRD PARTY PEOPLE These are clear violations of my federally protected consumer rights

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 2017-11-16
Company: Nelnet, 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: Account information incorrect

Complaint:
I received a letter from Nelnet, congratulating me on my loans being paid in full. But Nelnet keeps adding balances and subtracting balances to my account. This is adversely affecting my credit score! I 'm in the middle of financing and their frequent updates are detrimental to this process. Also, I want all loans older than 6 years off my credit report, as that is more than the SOL for my state. I need this done ASAP as Nelnet is doing illegal and reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have the Target XXXX  Card which I use for purchases online and in-store at Target. I realized that my statement does not itemize my purchases. Instead, purchases are listed by the date and total amount. I reached out to Target today and they told me I can cross reference using the Target XXXX  but this is unrealistic. Nobody has the time for this. What about people who aren't able to use the app or have a computer? Are they supposed to keep paper receipts and cross reference every month? This seems discriminatory, edging on elder abuse, and makes it impossible to monitor for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: GREAT LAKES
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I have contacted all 3 credit companies and the XXXX XXXX XXXX about getting my student loans either completely off my credit report or partially off it. Reason being is because 2 are pass the statue of limitations. XX/XX/XXXX-XX/XX/XXXX. They said that they will fall off in 10years. Ive asked them why 10years when its suppose to be 7years for it to stay on your credit report. Because its still on my credit report I simply can not get a house loan. All Im trying to do is move into a house with my kids and no one will assist in removing my student loans. I understand that I still will owe on the debt that I dont have a problem with but I cant not acquire credit with the student loans being on my credit report. The credit companies tell me they cant dispute them off and the student loan company says the same thing. No luck getting any assistance with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT. PLEASE REMOVE THESE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE.

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 2020-09-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2020, my wife and I met with a loan specialist at Fifth Third bank in XXXX XXXX Ohio. The gentleman promised us a new mortgage rate of 3.89 % if we refinanced our loan with him. 

We submitted all information requested including paying our HOA a fee for documents requested. We were told that we had been approved, but the process was delayed by underwriting. For five months we waited.

The branch manager apologized and told us that the rates had actually dropped so we'd be getting a better rate, just to be patient. At the end of XX/XX/2020, the loan specialist called to notify me that we had moved to closing. But when I asked about the lower rate we had been promised. He told me that the rate had actually increased to 4.29 %.

When I questioned this with the branch manager he made multiple excuses and was rude. 

I believe this to be bait and switch tactics and will never consider doing business with Fifth Third in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Experian Information Solutions Inc.
State: MA
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:
Dear Manager ; How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) the ability of the consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hi, There is no way I was late! Then it didn't apply fast enough or the way I expected. I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 for 30 days late???? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A few years back I was involved in a motorcycle accident where a driver in a vehicle hit me head on. Thus, I was in a difficult situation where I could not pay my bills. Now that I am back to work full time, I desire to avoid filing for bankruptcy. Therefore, I am sending requests to my creditors, debt buyers and collection agencies the following criteria : 1 ) Your financial institution, collection agency or debt buyer will not make calls to me either on my personal cell lines or at my employment.

2 ) That all correspondence take place in written form only.

3 ) That your office will accept a settlement offer of 25 % of the charge off balance as payment in full, and upon such acceptance I will agree to make said payoffs within a very short and reasonable time period.

4 ) Your office will mail all correspondence to my home address or my email at XXXX. 
Thank you for your consideration in this matter. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Today is XX/XX/2019. I went into the Bank of America Branch located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX around XXXX. My friend and I waited in line until about XXXX. There was only one teller available. Another teller came out to help us. Her name is XXXX XXXX. I wanted to deposit my 2 checks into my friends account. She said they are not allowed to do it. She said I have to be on his account. I told her that's not what the Bank of America Policy states. I read the handbook. She said they're not allowed to cash 3rd party checks and that I can talk to her  supervisor. She rang a bell and went into the back and came out with another lady named XXXX XXXX ( The Supervisor ). She told me the same thing that they're not allowed to cash 3rd party checks. She looked into my friends account and said if we do it for you it's as a courtesy. I'm pretty sure she said that from reading a note from a previous problem I have with the other Bank of America branch in this city. That is the reason why I went to a different one because the last assistant manager at the first branch I went to said I'm not allowed to go back to their branch and cash my checks. She said they were going to notate my friends account that I wasn't allowed to cash my checks there. So the same thing happened here at this bank branch. They refused to deposit my checks into his account. The supervisor said I have to go somewhere else to do it and they're not allowed to, but only if they want to as a courtesy. What is going on here with all of this injustice at these branches??!! How is it that a company has legal guidelines to follow in their own policy handbook and does not follow them?! I don't understand this? Why am I being refused when the law states what we should be able to do without a problem. Who is in charge of these banks and what kind of businesses are they running? After they refused me I asked them for their names and that's how I stated them here. I have the paper they wrote their names on.

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 2017-11-16
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Nelnet and XXXX XXXX XXXX are continuously adding and subtracting the amount owed on my accounts which make my my credit score go up and down. I am currently trying to purchase a home and this is hindering me. Also please remove any of the accounts pertaining to these companies, from my credit report that have reached the limit due to the statute of limitations for my state. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a denial for loan modification today and was also not allowed to resume payments through that process. I was placed into a modification for XXXX 2017 until XX/XX/XXXX. I included in my hardship letter I was forced to retire and I was waiting for my income to kick back in and needed a foreberance for at least 6 months. Ive been maintaing the upkeep of my house and have lived here for 39 years raising my son. I was told that even if I submit a second request appeal they would still deny reinstatement to make monthly payments. They have now included foreclosure attorney fees which I dont feel should have been added because Ive explained my hardship, when I could resume making payments and that I dont want my son or myself to become homeless by losing my family home. There was money sent in XXXX 2017 towards the monthly payment but it was returned because I was {$230.00} short of monthly payment. I was soon able to send the rest but my file was then sent to a foreclosure attorney.

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 2017-07-10
Company: SYNCHRONY FINANCIAL
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
My daughter had XXXX XXXX XXXX. This is considered XXXX XXXX not covered by normal health care policies. At the doctors office we used Care Credit and secured a loan of {$10000.00}. 5 years term at 14.9 %. we made monthly payment for 25 months with no issues. Suddenly Synchrony Bank expired the original loan agreement and now changed the rate to 26.99 % Synchrony Bank was not the visible lender at the doctor 's office. We contacted the Florida Office of Financial Regulation, Division of Financial Institutions chartered to regulate banking in Florida. But they are helpless. Synchrony Bank is a Utah chartered operating in Florida and under supervision of Consumer Financial Protection Bureau. This makes no sense to me, meaning Florida can not regulate its own banks operating in Florida.. Synchrony Bank XXXX XXXX XXXX XXXX, XXXX Florida. XXXX ( XXXX XXXX XXXX ) They have no legal right to expire an original loan agreement. <P/>The Florida Attorney General 's Office is now aware of this bank fraud. They are contacting Synchrony Bank but have also advised me to file complain with CFPB. You should follow up 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 2017-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 canceling credit monitoring or identify theft protection service

Complaint:
I tried cancelling Transunion account, but they are still charging my account. Also, online it says the only way to cancel with Transunion is to call them, but I have XXXX XXXX and can not do this.

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 2016-06-22
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
I had a mortgage with XXXX that was sold to Nationstar Mortgage back in 2014. I had a loan modification with XXXX, with an agreement to have the Dodd-Frank certification to reduce my mortgage by XXXX per year for paying ontime. Nationstar keeps telling me that they do not have the papr work. I submitted the documents several times. I sent them by certified mail. Sometimes they tell me they have all the documents, then they tell me that they have lost all the paper work. It is frustrating. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
My XXXX account was open in XX/XX/XXXX. In XX/XX/XXXX, I contacted them and advised I lost my card. They closed the tradeline as a lost or stolen card, issued me a new card with a new account a created a new tradeline. This caused my " pay status '' on my current tradeline to begin reporting the pay status with XXXX as " lost or stolen card ''. Up to this point, there had been no late payments on the account. The account later when delinquent in the fall of XX/XX/XXXX, this account was referred to XXXX XXXX XXXX ( XXXX ) for collection and a settlement was reached in XX/XX/XXXX with them. The tradeline that the delinquent reporting occurred on was deleted from my reports in XX/XX/XXXX or XX/XX/XXXX because the statue of limitations was from the charge off date the occurred in early XX/XX/XXXX. 

As stated previously, my concern is with the tradeline that is reporting as current -- After submitted 3 indirect disputes with the CRA 's directly and being given the same response that the information was correct, I contact XXXX today XX/XX/XXXX and was transferred to XXXX. I spoke with 2 repsentatives that advised that since my account was referred to collections longer after this tradeline was closed, I will need to call XXXX to dispute the reporting on my XXXX tradeline that is not reporting as derogatory, it is reporting as unrated currently on XXXX and Transunion now. 

I have called XXXX before, the can not help me as they did not make the reporting. The CRA 's can not help me as they can only report the information that XXXX is providing them. XXXX is refusing to help me get this corrected from today 's conversation with the representative XXXX as it is against their policy since the account was later placed for collections.

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