BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-30
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
For the past several weeks I have made repeated applications to my bank, US Bank, for the special SBA pandemic relief loan so that I can maintain my employees. We are a small XXXX XXXX XXXX  firm with six employees. We have had the same bank account for more than 30 years, for many years owned by US Bank. I am in daily contact with my local US branch banker, who is trying to help. The bank says they have received each of my applications, but keep asking me to reapply because they are either having a problem responding or believe they have responded but can not find the messages and application numbers they say they have sent us by e-mail. We have continually searched in all e-mail folders and have checked with our e-mail host, but none of the loan-related e-mails or contacts from US Bank have ever arrived, even at our e-mail host prior to all filters. Meanwhile, we continue to receive all other e-mail from US Bank about our account and from our US Bank contacts who are corresponding with us trying to get access to the central US Bank application process. The US Bank delays made us miss the first round of SBA funding. They are continuing to delay our application and although they say they have received each of our applications, they say they can not find record numbers or messages they have sent with next steps, and then ask us to reapply again and again. We fear we will miss the funding again. Meanwhile we are struggling to meet payroll and spending a lot of time communicating with US Bank and applying and reapplying through a cumbersome process multiple times. Is it possible for your office to see if US Bank is treating small businesses fairly and help make sure that small XXXX XXXX businesses receive the same opportunities as larger firms? Any help your agency can give us to help get US bank organized and working effectively will be much appreciated during this difficult time. Thank you.

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 2019-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
I disputed the account but they changed the account to dispute without first delivering the results to me. is very bias as I do not know if they ever investigated these accounts. 
XXXX XXXX XXXX XXXX XX/XX/2013 XXXX XXXX XXXX XXXX XX/XX/2013 XXXX XXXX XX/XX/2013

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 2019-06-21
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: Information is missing that should be on the report

Complaint:
this account has the wrong open date Account Name XXXX XXXX XXXX   Account Number XXXX and this account was improperly raged Account Name XXXX XXXX XXXX Account Number XXXX the following account has an improper open date and was also raged Account Name XXXX  XXXX XXXX Account Number XXXX the payment history on this account is not accurate Account Name XXXX XXXX XXXX Account Number 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 2020-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 the third time I have filed an affidavit and compliant over fraudulent and in accurate information showing on my credit report. I have never done business or opened up a line of credit with XXXX XXXX # XXXX, XXXX XXXX # XXXX this is a error please delete at once. I have a FCRA 611, 623, 609 DISPUTE for a late payment XXXX XXXX XXXX XXXX # XXXX this is not accurate please delete. I have never been late on my XXXX XXXX XXXX XXXX. PLEASE DELETE THESE ACCOUNT THEY ARE NOT ACCURATE! I am unable to locate documentation that they complied with the of federal and state laws requirement, which is a violation of the FCRA & FDCPA. State FDCPA Laws I fail to see XXXX XXXX XXXX XXXX # XXXX in compliance with sTA OHIO LAW 1319.12 O.R.C. TAKING ASSIGNMENT OF DEBT. I also have report this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report where with XXXX XXXX has not even tried to contact me regarding this Fraudulent collection if they had done so they would have known they had in fact Purchase two fraudulent third party collection accounts. Please have them remove this collection account immediately. I have submitted an FTC AFFIDAVIT for the addresses and unknown accounts on my credit file please see the attached document and FCRA 605B ( 15 U.S.C. 1681c-2 ). I HAVE ATTACHED MY POLICE REPORT AND FTC RPORT AND ID

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 2019-06-21
Company: Ability Recovery Services, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company Ability recovery service continues to report false information on my credit report about me! I have no knowledge of the account or the amount they say I have to pay! Youre violating ( FCRA ) by reporting false information about me on my credit report and continue to do so on a weekly bases. I have no account thats open with them nor do I know where the account came from! I will file a civil lawsuit next!

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 2019-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 puzzled why these accounts show up on my credit report out of nowhere.. IT must be that someone use my identity.. The accounts were fraudulently opened in my name..I did not make the charges ..I am requesting that the items be blocked to correct my credit report.. XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : 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 2018-11-08
Company: EQUIFAX, INC.
State: OH
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:
Greetings, This has been a constant battle with all the different breaches going on with our personal information. I found out that my info was sold on the dark web and I have been fighting these for awhile. I have a bunch of inquires on my credit profile for credit that I did not apply for and I expect them to be removed immediately or I will be taking action with a lawsuit. These have all been done without my permission and fraudulently EQUIFAX Inquires not made by me. 

XXXX XXXX - XX/XX/2018 XXXX XXXX- XX/XX/2018 andXX/XX/2018 XXXX Inquires not made by me.

XXXX XXXX- XX/XX/2018 XXXX XXXX- XX/XX/2018 XXXX/XXXX- XX/XX/2018 XXXX XXXX- XX/XX/2018 and XX/XX/2018 and XX/XX/2018 XXXX inquiries not made by me XXXX- XX/XX/2018 and XX/XX/2018 XXXX XXXX- XX/XX/2018 XXXX XXXX- XX/XX/2018 and XX/XX/2018 XXXX XXXX- XX/XX/2018 and XX/XX/2018 XXXX XXXX- XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Experian Information Solutions Inc.
State: CA
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:
Upon reviewing my credit report, which I acquired from Experian, XXXX, I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 

I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24
Company: EQUIFAX, INC.
State: GA
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 XX/XX/XXXX, I sent a letter to Equifax XXXX and XXXX XXXX. I requested that they investigate three errors on my credit report. Over the weekend, I received responses from the bureaus, stating that I did not properly verify my address and social security number. They said I would have to re-submit documents to them in order to get them to actually conduct investigations. 

I am attaching a copy of the letter I sent to them on XX/XX/XXXX. As you can see, I attached a copy of my social security card, as well as two utility bills that display my current mailing address. This is the same documents that they are requesting in their responses, so I believe their requests are unfounded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am the third party assisting XXXX XXXX with submitting his documents to Mr. Cooper. Per the previous complaint filed, Mr. Cooper stated in their denial letter dated XX/XX/2021 that XXXX XXXX ' original loan modification request was deined for the alleged failure on XXXX XXXX part to turn in requested documentation. 

When Mr. Cooper was contacted and informed that XXXX XXXX had not been aware that there was any missing documentation in XXXX and simply received a denial notice for assistance followed by the notice to foreclose, Mr. Cooper agreed to postpone the foreclosure sale date until XXXX XXXX, 2021 to provide time to submit a completed package and/or alternative to foreclosure workout option since the home has equity. The new loan modification package was submitted in XXXX and we were informed the foreclosure sale date would be placed on hold. 

To this date, XXXX XXXX, 2021, neither myself or XXXX XXXX has ever been able to speak to a representative in the loss mitigation or loan modification department despite multiple and formal requests to contact by XXXX XXXX, myself and the multiple customer service representatives. Paystubs, tax returns, hardships letters, proof of additional supporting income documentation has been submitted without confirmation of review, acceptance or denial. Meanwhile, the forelcosure sale date has gone from being on hold to being active and scheduled to foreclose tomorrow, XXXX, ber XXXX, 2021 per a Mr. Cooper customer service representative. This is all despite the recorded conversations had on multiple occasions with Mr. Cooper representatives last week apologizing for the lack of communication and guaranteeing the foreclosure sale date was being postponed. 

Our file contains multiple written emails, documented phone calls and logs. In addition, the calls with Mr. Cooper are recorded and monitored for quality assurance. Our phone calls, including today 's, are hours in length of holding time only to have no one able to comment or advise on the account. This is also a VA loan and the borrower has stated that the experience we are having is the same he had, however, in the company 's response, they blame the borrower for not being responsive, communicative and responsible to the denial of his loan modifcation. As I write this complaint, the line with Mr. Cooper has once again been disconnected while I was holding for almost an hour to speak with a supervisor for assistance. Our records will show this has been happening throughout our attempts to help this homeowner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: EQUIFAX, INC.
State: HI
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 was not late on my accounts, I wonder why Equifax, XXXX and XXXX report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-21
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:
First, I am a victim of identity theft. On XX/XX/XXXX I sent a notarized personal statement to Transunion listing all of the fraudulent accounts, inquiries, phone numbers, addresses and employers. On the same date I also sent 2 FTC identity theft reports, a police report and a color photo of my driver 's license ( for proof of my identity ). As of today XX/XX/XXXX I have not received a Transunion credit file. This credit file still shows 2 fraudulent address ( # 1- XXXX XXXX XXXX in XXXX , Tx XXXX, # 2- XXXX XXXX XXXX XXXX XXXX in XXXX, Tx XXXX ), 5 fraudulent accounts ( # 1 XXXX XXXX  # XXXX, # 2 XXXX XXXX  XXXX XXXX , # 3 XXXX XXXX XXXX , # 4 XXXX XXXX XXXX , # 5  XXXX XXXX XXXX and 2 fraudulent inquiries ( XXXX XXXX XXXX on  XX/XX/XXXX and # 2- XXXX on XX/XX/XXXX ) and 2 fraudulent employers ( # 1 XXXX XXXX and # 2 XXXX ). Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days ( today is XX/XX/XXXX ) which means Transunion is in violation of the Fair Credit Reporting Act.

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 2019-06-21
Company: Google Compare Credit Cards Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
well hello I would like to give you guys a thanks too for hearing my situation I've never asked for any type of help or known help and now that everything 's going it's going crazy and I'm not going to be doing no federal prison time I know how it is with that if you get loans or any kind of help you know I'm not signing nothing I haven't received nothing yes they're using my account because they're looking at my XXXX 's and that's how they're stealing right information so I would like to figure out how to stop all that now thank

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 2020-04-30
Company: EVERBANK, NATIONAL ASSOCIATION
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
TIAA has held our payments instead of applying them and then assessed late fees. They will not apply payments as we have asked. We paid the escrow as their customer service agent direct us to back in XXXX of 2018. We were told go pay the full escrow and that it would be removed from the account. We were also instructed to only pay principle and interest. 

We have been calling and writing letters with nothing but negative results and complete inconsideration for restocking this matter from TIAA. 

They have tried to overcharge our escrow and continue to hold our payments in suspense so they can assess more late fees. Then they negatively report against our credit. This has become an impossible situation. 

We have paid the escrow and monthly principle and interest on time. We have been calling and asking for transcripts of the calls and they wont supply them. We have written letters and they disregard our complaints and tell us they can do whatever they want. 

Please help us get this situation resolved. TIAA is calling us almost daily and harassing us and sending threatening letters with falsely reported amounts on delinquent notices and foreclosure threats. They have been disrespectful of our sons medical situation and caused more anxiety for our family. It is completely unnecessary, the account is current, with the exception of their late fees, that they should not have charged. 

We have tried contacting them through phone and letters and doing everything we can. It is clear that they have no interest in servicing this loan correctly or applying payments correctly or doing anything but assessing fees and creating enough chaos that well just give up and pay whatever they tell us to. As their manager conveyed to us in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 disputed XXXX account on my credit report listed as charge off. I sent TransUnion a letter stating that I was involved in a settlement with XXXX and that had agreed to update my credit file to show paid instead of charge off. TransUnion stated they contacted XXXX and they denied they stated that. I submitted the letter from XXXX its under the credit reporting information section. I also would like to point out like I tried to tell TransUnion, you may have to contact the department on the letter that's handling the settlement.

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 2019-05-17
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ITEMS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF OF MY CREDIT 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 non-monetary relief
Consumer complaint received 2019-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Transunion continues to inaccurately display employment data on my credit report. The report states that my employer is XXXX which is wrong the correct employer is XXXX, I have repeatedly disputed this information only for Transunion to not investigate anything and reappear on my report. After last dispute they sent out the same letter they have sent to me the last 3 times stating that my dispute was illegible and needs to be typed or the don't understand my dispute. That makes no sense. The dispute was typed and mailed in, so how can it be illegible. I have included a copy of dispute as well as the last 2 letters Transunion sent me. Make sure to look at dates they are the same letter with different dates. I also included a current pay stub from my employer XXXX. I have also requested several time for Transunion to send me information on how the verified info and I would like copy of the proof or verification. They have never sent me that information or proof that I have requested.

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 2019-06-21
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Grant Mercantile age has 4 bills open up on the same month and day XX/XX/2018. I have tried to talk with them and telling them that is not mine I have filed a police report it was my sister she has all of my information and I have press charges on her so when I talked with the company they were very rude, so I filed small claim court paper to take them to court and someone called me from there company and told me that they would take care of this so I never went to court thinking everything was going to be okay, so now they have put 4 collection on my credit report there was only 2 before I was taking them to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Enhanced Recovery Company XXXX XXXX XXXX XXXX, FL XXXX XXXX This is company failed to notify me by mail verifying the debt. They added the debt to my credit file on XX/XX/2020. I have yet to receive any information from this company. I have provided the company with my address of XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

I would like for the company to provide me with their attempts to contact me in writing and remove the entry from my credit file. I also like to see if the statute of limitations for what they are claiming. 

I would appreciate any help that I can receive.

Company response to consumer: Closed with explanation