BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 Account XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX  Account- XXXX, XXXX XXXX Account XXXX, XXXX XXXX  Account 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 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 2019-03-27
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:
This is an attempt to correct my XXXX, TRANSUNION, and XXXX credit report ( s ). I have identified fraudulent accounts. Please block the accounts listed below : XXXX XXXX : XXXX - {$190.00} I C XXXX XXXX : XXXX - {$560.00} These are the accounts I request to be removed permanently from my credit report ( s ). Please block these accounts. These accounts are unverifiable and violate my 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 explanation
Consumer complaint received 2018-04-28
Company: Experian Information Solutions 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 status incorrect

Complaint:
I applied for an auto loan with XXXX XXXX XXXX XXXX -- the response came back as a denial letter saying I have an eviction on my credit file also my credit score is XXXX. I have a credit monitoring service from experian and it shows I have a credit score of XXXX -- this does not include a paid 2 accounts and the XXXX account that is 75 % paid and when I called she said she could not changed what was onmy report. Again Experian needs to be accurate about what they are sending out. If I have an eviction on my report I need to know about it that is the reason for the credit monitoring so I can see what is on my report and who is sending what. I should not have an eviction on my report. I have enclosed a copy of XXXX XXXX response also a copy of my most recent report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: HW Holding, Inc
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
HunterWarfield ( XXXX ) XXXX FLORIDA XXXX No Transcript Available. 

VOICEMAILXXXXXX/XX/2019 Keep calling me and asking for another person who does not live here and do not know. This started on home phone and migrating to our cell phones. 
I have contacted them they are rude. I asked for a supervisor and get stone walled. 
Have insisted they remove my number after answering a phone call, they insist on wanting my personal information to remove my numbers. 
I told them I do not give out that information since they called me and should have my number. 
I want this company stopped they are exceedingly unprofessional. 
Us robo callers that you have to press a digit on the phone then they start this investigation into wanting info. As far as I am concerned I have not debt that they need to look into or look up my name to see if I have any. 
I have my utilities, home mortgage, and car loan. All paid in full and current.

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 2020-05-29
Company: SYNCHRONY FINANCIAL
State: GA
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:
On XX/XX/2020 I recieved a inquiry from Syncb/Lowe 's XXXX. I didn't authorize this inquiry and so I disputed it for deletion and I was told to reach out to the creditor. I attempted to reach out to the creditor to get proof of authorization for this inquiry but to no avail.

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 2020-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
I have had a Bank of America credit card for 42 years. I have paid my bill in full every month while I've been a card holder. At the end of XXXX I noticed 4 charges made in XXXX in euros totaling XXXX. I immediately called BOA to report the charges and cancel my card. They opened a fraud case and issued a temporary credit to my account on XX/XX/XXXX. On XX/XX/XXXX I received a letter stating that they were unable to approve the fraud. I then spent over 15 hours on hold talking to different fraud representatives over the next several weeks. They explained that my card was used chip on chip to make these purchases. When I showed them that on those same exact dates I was buying gas, groceries, pet supplies etc. in my home town of XXXX XXXX WA with the same credit card they agreed that it wasn't possible for me to have made those purchases in XXXX. ( I was never notified by BOA that my card was being used out of the country. ) They asked me to file a police report which I did. The officer I spoke to said he couldn't believe they were making me do this. After getting no results from speaking to representatives I wrote a letter to BOA asking them to look at the charges I made on the same dates as the fraudulent charges. added all the names and dates of the associates I had spoken to. I also pointed out that XXXX was shut down during the virus so it would not have been possible for me to have been traveling in and out of XXXX during that time. I also believe that most businesses were shut down on those dates. The charges were on XX/XX/XXXX at XXXX XXXX XXXX In for XXXX euros, XX/XX/XXXX at XXXX XXXX XXXX XXXX for {$3000.00} Euros, XX/XX/XXXX at XXXX XXXX XXXX for XXXX euros, and on XX/XX/XXXX at XXXX XXXX for {$6400.00}. I also let them know how difficult it was to feel like I'm being treated like a criminal after 42 years of being a loyal cardholder. Today I received a letter stating that they had re evaluated my dispute and that I am still responsible for the charges. I'm now feeling like a need to hire a lawyer to fight these ridiculous and huge charges. I am a very honest person and this has caused me enormous stress and anxiety.

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 monetary relief
Consumer complaint received 2019-03-27
Company: Paypal Holdings, Inc
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
someone replied to a XXXX ad i posted looking for a ticket to a concert. i paid them {$60.00} via paypal. i was charged {$2.00} by paypal for service fees that were not explained. it turns out, the person selling the ticket was defrauding me. i sent the money but did not receive a ticket and the person stopped contacting me once the money was sent. the {$2.00} was to cover fees because the money was being sent to XXXX. had it been made clear that this was an international transaction it would have alerted me that this was a fraudulent exchange and i would not have proceeded with transferring money. customer service at paypal was dismissive and unhelpful in escalating my claim or taking serious my claim of fraud nor did they outline how they planned to prevent this use from perpetrating the same fraud against someone else.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-19
Company: Colony Brands, 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: Account information incorrect

Complaint:
Agreement for pay to delete account was not honored after payment was made to Ginnys agent continue to make statements on my credit report 2 twice each month of derogatory

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Starting with my payment on XX/XX/19 I began to pay over the amount of my loan payment. I paid {$700.00} instead of my regular payment of around {$430.00}. The American Education Services ( AES ) website says the following as far as paying over, " Yes, you can pay more than the amount you owe. Any interest or fees that have accrued on your loans will be paid first before reducing your principal balance. '' However, I found that after I paid over, AES instead paid the additional {$270.00} to the following months loan payment. I had to call them to get my payment fixed, and then was forced to send them a written message asking them to put any money I paid over in the future to the principle of my loan. Like their own website already says they do. 
I again paid over my payment amount for XX/XX/19. I paid {$620.00} instead of my normal payment of {$420.00}. I got the verification that my loan had been processed correctly and then saw later that it had been changed so that the extra {$200.00} had been moved to the following months payment. After I was forced to call again, I was told that it would take 7-10 business days to be corrected. Now I see that when they finally corrected it, they only credited my account for {$420.00}. The additional {$200.00} I paid, magically disappeared, but was still taken from my bank account. 
After being forced to call them again, I was told that it was going to take them 7-10 business days to apply the missing {$200.00}. I am awaiting to see if this is done correctly. I also had to pay my loan again today for XX/XX/19 not knowing if its going to applied correctly or not. Luckily I have been watching my account or AES would've been applying my loan payments incorrectly, or basically stealing my money. 
I am forced to attach some screenshots I have taken from my account. I have not received a correct statement from them in going on 3 months now because of their constant errors, so I don't have copies of them at this time. I can send them at a later time, when I have access to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: MUFG AMERICAS HOLDINGS CORPORATION
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX 
XXXX, TX XXXX XX/XX/2020 Complaining Department MUFG Union Bank XXXX Dear Sir or Madam, I am writing this letter to correct information in my credit report. I have circled the items I dispute on the attached copy of the report I received. 

The information that I have circled " not correctly '' because I never borrow money from my equity line with union bank. I am requesting that the item be removed to correct the information. 

Attached are copies of my credit report. Please reinvestigate this matter and correct the disputed item as soon as possible. 

Sincerely, 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 2019-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I have been reported to the credit bureau for 1 late payment over 30 days due to a yearly membership fee of {$59.00} THAT WAS DUE ON XX/XX/XXXX allthough this credit card has been paid in full since XX/XX/XXXX. 
I have authorized CAPITALONE on several occasions to deduct minimum payments automatically from my bank account. 
I spoke with the rep at Capitalone and they verified that they have all of my correct banking info. On file however, the automatic payment was never generated and therefore they have reported negative information on my credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX has violated my rights. 

15 USC 1681 : Section 602 states I have the right to privacy.

15 USC 168:1 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 explanation
Consumer complaint received 2023-04-15
Company: CrossCountry Mortgage LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
For over two months I have attempted to get escrow to perform an accurate escrow analysis. On XX/XX/XXXX a disbursement of {$7300.00} was made for insurance which eventually was returned as the correct disbursements were made in XX/XX/XXXX. Despite the money being returned, it was not placed in escrow. As soon as discovers the overpayment I contacted escrow to fix the issues. First, a request had to be made for the funds to be returned it took 7-1o days, Second, the refund was wrongly applied to a different account causing an other request 7-10 days ; it was only discovered after I had called, third wait till the funds clear on escrow ; again I had to call and figure it out instead of getting a called back, Fourth called to determine funds were in correct account but the person I called last would not elevate the call to management and would not request a new escrow analysis because rules said I was not entitled to an analysis despite knowing it was the mortgage company error. The last persons stated the would place a request a new escrow analysis and would be ready on XX/XX/XXXX. On XX/XX/XXXX I received a new mortgage statement and it does not reflect the correct amount as the analysis was not conducted as promised. My take is he never placed the request and do hated me because I have an accent, he seemed to purposely negated my requests. Conclusion, the bank should have discovered the error no later than 30 days after the check not clearing and when 3 other checks were paid out to cover the insurance expenses. An expedited review should have been completed once the refund had cleared the escrow account. An apology should had followed. Lastly, the employees who did not ensure an escrow was conducted should be fired.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage is DUAL TRACKING my account. 

I have been applying for loss mitigation for over 1 year. 

I have provided all of my personal income and asset information, proof of residency, etc. 

At the same time they have hired and attorney to process a foreclosure. 

The documents that the attorney submitted to the foreclosure judge to get a summary judgement against me were falsified. 

The name of the Servicer is Select Portfolio Servicing XXXX XXXX XXXX XXXX XXXX XXXX Utah, 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 2017-12-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My savings account charges {$5.00} fee per month, if my balance is below {$300.00}. I can only afford to save $ 10-20/month. 

My income is low, so its going to be awhile before I can get my balance above {$300.00}. 

This is the Way 2 Save plan at WellsFargo.

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 monetary relief
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: TX
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 Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX 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 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 explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: NY
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: Experian Information Solutions Inc.
State: NV
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 filed disputes with all 3 major bureaus for accounts opened in my name that do not belong to me. Someone has been using my personal info to get accounts in my name and I went to the police station. I also filed an identity theft report because someone has obviously stolen my identity. The bureaus have done nothing and I sent them everything they asked for along with the disputes so I don't understand how they can not remove them.

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 2023-02-11
Company: Experian Information Solutions Inc.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-09-18
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XXXX XXXX, I graduated from school and initiated an income-driven repayment plan with XXXX XXXX, now Navient. I made IDR payments monthly and on time from XXXX XXXX through XXXX of XXXX. I XXXX XXXX I requested an internship/residency forbearance to start in XXXX of XXXX through XXXX of XXXX, when I graduated residency and resumed income-driven payments. My XXXX of XXXX loans were then transferred to XXXX in XXXX of XXXX due to my qualifying for the public service loan forgiveness program. 

Navient has inexplicably recorded that I was in forbearance from the start of my residency in XXXX XXXX, in spite of the fact that I was in an income-driven repayment plan from XXXX through XXXX and made all payments on time. I would not have requested a forbearance to cover a time period that I had already made payments. I have spent countless hours on the phone with Navient customer service who will, on the phone, state understanding of my dispute and that they will fix it, but then when I call back it turns out that the request has been 'denied ' by unknown individuals. I never receive any written notice of this denial, I am forced to call and wait on hold ( at times for up to XXXX hours! ) to speak to an individual. 

Because their records, provided to XXXX, incorrectly state that I was in forbearance form XXXX through XXXX, I have approximately XXXX years of payments that should have qualifying PSLF payments that are not being counted. 

They also have refused to provide me with any direct phone number to their department. Their automated phone number apparently rejects my phone calls and transfers me to an offshore federal loan servicing department that then has to transfer me back to XXXX of XXXX. The reason stated for this is that my loans are no longer 'active ' with them so I am not allowed to call their customer service line. Needless to say, this has wasted hours of my time trying to get the people on the line to deal with this issue.

Company response to consumer: Closed with explanation