BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-13
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Contacted Freedom mortgage to have my Mortgage Insurance removed, I contacted them over 10 times over the past month and a half, I provided everything they asked for and they are not removing my mortgage insurance. I have had the mortgage over 6 years, have made every payment, have fico or XXXX, the home value is around {$320000.00} and the mortgage is around {$180000.00}. I was told to send a check for an appraisal with was wrong info ( have the email ) then was told to send {$150.00} for XXXX and they got it and are saying I do not qualify but they did not pull a XXXX  yet, every representative tells me something different.

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 2021-11-23
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
REF : Letter of Explanation for Dispute on Huntington Bank Mortgage Dear To Whom it May Concern : I have never been late on any mortgage payment on this loan or any other mortgage loan. The only late payment, which was erroneous, was on XX/XX/XXXX for Huntington Mortgage ( XXXX ). 
Forbearance I entered into forbearance in XXXX due to my tenant having employment issues as a geriatric nurse. XXXX removed me from autopay due to forbearance agreement. I called them back in XXXX XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to discuss restoring autopay for my loan and completing the Forbearance Agreement. They finally sent documents to end the forbearance in XX/XX/XXXX. XXXX stated in XXXX that they tried to reach me several times in XXXX but we discovered they were only trying to reach me on my new XXXX fax line ( XXXX XXXX ) which I never answer. I stated they must call me on my cell phone of XXXX  years ( XXXX XXXX ). 
Payments I continued to make several payments such as XXXX, XXXX and XX/XX/XXXX even though I was still in forbearance. This shows I was actually ahead in my payments. I talked again on XX/XX/XXXX to make another payment and to begin autopay. XXXX stated that the autopay will take affect on XX/XX/XXXX and that I must continue to make manual payments for XXXX and XXXX. I called again on or about XX/XX/XXXX to make another payment since the online website was still having issues with being able to complete an online payment. It was my understanding that the XXXX person was completing another phone payment for me. 
I then called in XX/XX/XXXX to make my final manual payment for XX/XX/XXXX. They told me that they were still waiting on the XXXX payment and that it was already over XXXX days past due. I was extremely upset since I was planning for XXXX  years to perfect my credit and Refi my mortgage. I attempted many, many times to restore XXXX since that is the simplest and most reliable method for payment. It seems XXXX was not able to : XXXX simplify the process of completing the forbearance agreement, XXXX restore autopay while forbearance was being completed for months XXXX correct any online issues to make online payments. 
I have kept up with my payments for decades and now is the time I need to capitalize on my excellent payment record. However, I tried many, many times to avoid this type of incident since it was possibly affect my credit rating and my new mortgage payment by a large amount. 
I am requesting that HM reverse the late payment for XX/XX/XXXX so I can move forward with my well-earned credit rating. 
Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: NAVY FEDERAL CREDIT UNION
State: NY
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 sent me an email that my credit score changed because there was a Hard Inquiry on XX/XX/21 from Navy FCU. I have never heard Navy FCU prior to this inquiry. 

I contacted XXXX, they said to contact Navy FCU and gave me the phone number XXXX, I called them and they said they didn't have me as a client and did not do an inquiry on me. 

I again contacted XXXX, they stated the definately received an inquiry from Navy FCU. They said i needed to contact FTC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: MD
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:
This is my response to the previous response from XXXX XXXX 's letter. This response is not from a third party, this is directly from XXXX XXXX. I have called and left messages with the executive office and have been unable to reach XXXX XXXX. I have disputed the data being reported with the consumer reporting agencies and the furnisher, XXXX XXXX XXXX XXXX I have received notices confirming accuracy of reporting ( see attached ). As a furnisher, XXXX, XXXX has a duty to provide accurate information. In XXXX XXXX 's letter it is stated, " As a credit provider, we are obligated to report the account accurately to the credit reporting agencies, whether it is favorable or unfavorable to the consumer. '' The information you listed in the attached letter is inaccurate with what is being reported which means you did not conduct a proper reinvestigation. It is clear that XXXX, XXXX willfully failed to comply with 15 USC 1681s-2 ( b ). XXXX, XXXX must be held liable for all damages as specified in 15 U.S. Code 1681n and 15 U.S. Code 1681o. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX, XXXX, a financial institution, has transferred my nonpublic personal financial information to a third party without giving me the opportunity to opt out. It appears that this may be a violation of 15 U.S. Code 6802 ( b ). Non compliance with The Gramm-Leach-Bliley Act must be investigated by federal agencies.

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 2019-01-12
Company: Pinnacle Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a correspondence from XXXX XXXX XXXX dated XX/XX/XXXX, attempting to collect an alleged debt on behalf of Pinnacle Credit Services. I responded promptly once receiving this correspondence completely rejecting, rebutting and rebuking such a false claim and advised that I owe no such debt and have no contract or obligation whatsoever with Pinnacle Credit Services. I advised them to correct their records and respond in writing that their records are corrected and reflect that no debt is in fact owed and all collection attempts and activities will cease, as of XX/XX/XXXX, I have received no such correspondence. I advised that I would file this complaint with the CFPB and afterwards move forward with litigation if this unsolicited activity and harassment continues. I have attached my correspondence below.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX/XXXX XXXX I have disputed the educational loan XXXX/XXXX   XXXX with the credit bureaus for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal

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 2023-07-15
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:
Pursuit to 15 USC CODE 1681a2, I did not give written permission to have these accounts furnished on my credit report. XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
After reviewing my credit report I noticed some inaccurate information on 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 2023-06-09
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23, I had a meeting with XXXX XXXX XXXX, the Branch Manager at M & T Bank, located at : XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX ). The meeting concerned a withdraw of XXXX from my checking account shared between myself and my mother. During the meeting, XXXX XXXX, a bank teller revealed that my mother made the withdraw and because my mother did not know the bank account number, she ( XXXX XXXX XXXX " wrote in the bank account number on the withdraw form. '' I then closed that particular account and opened a new account. 
On XX/XX/23, I met with XXXX XXXX XXXX at M & T in order to notify M & T that I wished to file a complaint about the policy of M & T tellers writing in an account number for my mother who would not otherwise have been able to withdraw the XXXX. In addition, I notified XXXX XXXX that I wish to file a complaint about the fact that there was not a vetting system in place as it pertains to the large amount my mother was able to withdraw. XXXX XXXX told me that she would file the complaint as well as have the Branch Manager reach out to me by phone. As I was leaving the bank my mother was entering. Mom stated that she only had XXXX dollars left, but she wanted to place the money back into my account. Since I had a new account, I entered the bank with mom and deposited the XXXX into my newly opened account. I then informed mom that I intended to proceed with the complaint as it relates to the additional XXXX dollars because I did not want what happened to me to happened to anyone else. At that point, the teller XXXX XXXX came from behind the counter shouting " I did nothing wrong ; the bank policy allows me to write in the account number. '' I told XXXX XXXX that if that were true then she had nothing to worry about. Frustrated, I left the bank. 
Branch Manager XXXX, called me on XX/XX/23, and notified me that within the next 30 days M & T would be closing my account. I informed XXXX XXXX that his actions appeared to be in retaliation for my choosing to file a complaint.

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 2019-03-15
Company: National Enterprise Systems, Inc.
State: MO
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:
National Enterprise Systems has violated my rights under the Fair Credit Reporting Act by fraudulently and illegally placing an outdated account that is not mine into my credit report. The account, from XX/XX/XXXX, was placed into my credit report well over a decade later in XX/XX/XXXX when I discovered it. I have learned the account was charged off in XXXX when XXXX XXXX XXXX filed for and declared Chapter XXXX bankruptcy, going out of business. National Enterprise Systems refuses full transparency as I have asked for and refuses to provide me with the information that I have requested. Instead they told me to contact XXXX XXXX XXXX, which they know does not even exist. NES has also told me that they are not responsible for putting this into my credit report, when in fact it is them. Each time I file a dispute with XXXX, NES provides additional false information to them which I have documented. One example is how NES put into my credit report " Last payment made on XX/XX/XXXX '' to make it look like I was making payments. This is a complete fraud, abusive, unfair practice, and misrepresentation of debt by falsifying information to XXXX XXXX. NES refuses to supply me with further documentation showing the amount of this payment, method paid, and person responsible for paying it ... because it is an abuse of power which should be stripped away from National Enterprise Systems.

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 2021-04-08
Company: Applied Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Somebody used my identity at XXXX Fire and Rescue. The transaction was reported to XXXX Credit Bureau on XXXX. The name referenced was XXXX and they used my social security number. The collection company was called Security and their phone number is XXXX. The amount is {$640.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Wednesday XX/XX/XXXX at around XXXX PM I went to a US Bank ATM on XXXXXXXX XXXX XXXX XXXXXXXX Ca XXXX and attempted to withdraw {$700.00} cash. After releasing my card back to me the ATM said it timed out and no money was given out. I tried two more times and these two times the withdraw button was completely unavailable. Immediately I checked my US bank app and my account reflected the XXXX despite not giving me the cash. I called customer service and the agent told me there was nothing he can do except start a claim that would take 10 business days to decide for just the provisional credit. After insisting I get my money back immediately because I specifically pulled it out for a trip I leave to on sunday he told me if I went to the local branch and spoke to the branch manager they would be able to reverse it. It was closed at the time of the incident so I went first thing opening on XX/XX/XXXX XXXX where the manager and teller told me there was nothing they can do but start a claim. No expedition, no immediate temporary or provisional credit. 10 days thats it. Its absolutely ridiculous that I am now out of {$700.00} for a trip I have in three days and theres literally no other option I am being offered except for a claim.

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 2023-08-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the 3 Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is my response to the previous response from XXXX XXXX 's letter. This response is not from a third party, this is directly from XXXX XXXX. I have called and left messages with the executive office and have been unable to reach XXXX XXXX. I have disputed the data being reported with the consumer reporting agencies and the furnisher, XXXX XXXX XXXX XXXX I have received notices confirming accuracy of reporting ( see attached ). As a furnisher, XXXX, XXXX has a duty to provide accurate information. In XXXX XXXX 's letter it is stated, " As a credit provider, we are obligated to report the account accurately to the credit reporting agencies, whether it is favorable or unfavorable to the consumer. '' The information you listed in the attached letter is inaccurate with what is being reported which means you did not conduct a proper reinvestigation. It is clear that XXXX, XXXX willfully failed to comply with 15 USC 1681s-2 ( b ). XXXX, XXXX must be held liable for all damages as specified in 15 U.S. Code 1681n and 15 U.S. Code 1681o. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX, XXXX, a financial institution, has transferred my nonpublic personal financial information to a third party without giving me the opportunity to opt out. It appears that this may be a violation of 15 U.S. Code 6802 ( b ). Non compliance with The Gramm-Leach-Bliley Act must be investigated by federal agencies.

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 2021-04-08
Company: United Shore Financial Services, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I opened a new mortgage in XX/XX/2021, and since XXXX, I have tried to pay my mortgage electronically with UWM now THREE times, across 2 separate checking accounts with national banks ( XXXX and XXXX XXXX XXXXXXXX ). They continue to say that my banks are rejecting the payments, yet the banks have NO record of UWM even attempting to withdraw the amount. 

I am now incurring late fees, and they have sent me to collections. I am perfectly happy to pay - but I can't seem to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Student Loan Care, LLC
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I pay {$600.00} to the U.S Department of Education - XXXX XXXX. The payments of {$50.00} were taken from my bank account every month which amount to {$600.00}. completed and signed paperwork was mailed to XXXX. XXXX XXXX, XXXX, NE XXXX. Fax : XXXX, phone # XXXX. After taking this amount from me, I call the phone number above, it has been disconnected. I was hit by a XXXX XXXX on XX/XX/XXXX of XXXX with a XXXX injury for which I'm receiving XXXX from Social Security. My XXXX number is XXXX. I can not remember the actual organization or Agency ( Student Loan Care , LLC OR XXXX XXXX XXXX XXXX XXXX ) but on my Bank Account record, it is written Student Loan with this phone number : XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Transunion provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon possible : XXXX XXXX XXXX Date Opened:XXXX Balance : $ XXXX Late Date 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 non-monetary relief