BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I

previously notified you that I am a victim of identity theft, and requested that you do the following : REMOVE the unauthorized accounts and Remove any UNAUTHORIZED INQUIRIES, and Take steps to remove ALL information about these accounts from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your respo
nsibilities when reporting information as a CRA. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.

Please send me a letter explaining your findings and actions. 

INQUIRY 'S XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX Accounts - 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 2017-10-04
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold to Bayview Loan ServicingXXXX I received a debt verification, dated XX/XX/XXXX, on about XX/XX/XXXX. As I have been, I mailed my monthly payment ( XXXX ) and also responded to debt validation by indicating XXXX, my former servicing agent, along with XXXX XXXX XXXX, was aware that there was a misapplied payment, posted to my second loan which was closed by XXXX sometime ago. XXXX XXXX XXXX sold my load with the situation under reviews, XXXX took my loan, and even though advised, did not do anything, and in XX/XX/XXXX, stated the matter was " under review ''. Now once again, my loan is with another service who not only tells me I 'm 30 days behind but also has demanded that I pay monies that were placed at the end of my loan through the mortgage settlement. I have seen my credit report repeatedly damaged, and have spent countless amount of time trying to rectify the matter. I am hearing impaired and have asked that written correspondences or even email be used to no avail. I have a caption phone that works most time, and also provides a transcript, one which acknowledges XXXX stating the matter was under review. Now Bayview, though, I have confirmation that they have received my payment has not updated my account or credited my full payment. I have seen so many complaints on Bayview, I am concerned with the matter. I have worked extremely hard and overcome many, many obstacles. I am not behind, and at the writing of this complaint owe for the month of XXXX. I do not dispute that I owe various fees, but not al the necessary {$15.00} fees for listing my home in default, while utler ignoring my dispute of one payment. I even became so distraught I offered to pay half the payment spread across my loan for six months, no answer from XXXX. I simply want resolution and to not have to spend my time, or Bayview 's time bring about a battle that should not exist. I respectfully request that this matter be moved for resolve though crediting my account of some agreeable terms. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
We are USAA customer and have all of our financial life with USAA. We received a promotional offer on our credit card for 0 % APR on our card for balance transfer. We called USAA to ask about the term and conditions and were told that we had to get a convenience check for us to do such a large balance transfer ( {$10000.00} ) we ordered the checks on XX/XX/XXXX and did not received them until XX/XX/XXXX. We called to initiate the balance transfer at which point XXXX from the Executive Resolution team told us " oh well tough luck. The promotion is expired and I know you got the checks late, but it is your fault! '' how is it my fault that USAA took on months to send the checks? We were promised by USAA on XX/XX/XXXX that so long that the request for checks was initiated before XX/XX/XXXX that we will be able to take advantage of the promotion which we did as we were told. XXXX decided to go against the offer, rules and regulations and said that she answers to no one that she is the decision maker, and her word is final. 

Please help, Thank you, v/r, XXXX 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 2020-09-16
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 status incorrect

Complaint:
XXXX and Transunion should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2021-06-15
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. These following items are not mine and I would like verification of all items in 15 days or deleted them from my credit report, section 609. 
XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, New XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX Opened XX/XX/XXXX {$340.00} Original creditor : 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 2017-10-04
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
I have been checking on my credit reports daily. Recently I noticed a Hard Inquiry on XXXX of my credit reports through XXXX XXXX stating that I " opened up a credit account through XXXX '' I tried to disputed it but was n't able to because I had a pending review on another dispute I had submitted before. Just an XXXX, i have been dealing with Identity Theft since the beginning of XXXX due to the fact that my personal information was stolen by an unknown person and this person or people keep trying to ruin my credit and my my personal information by applying for credit cards and other miscellaneous offers. I want to get this fixed as soon as possible because I have been trying to get my XXXX XXXX to where I want it to be, and that 's at a excellent level

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Sunday, XX/XX/XXXX of 2021, at XXXX I received an automated message from Wells Fargo XXXX The message goes as followed ( I have censored my personal information ) : FreeMsg : Verify Wells Fargo activity. Card **** {$600.00} @ ATM XXXX {$12.00} @ XXXX ****** Reply Y if recognized, or call XXXX. STOP to stop msgs. 
I immediately called the number, as I was checking my bank account transactions to see what was happening. Someone had accessed my account through a nearby ATM I had only used twice previously. They initially tried to take out {$600.00} but were denied. They proceeded to try again, but this time for {$500.00} and were successful as my bank transactions stated. I had recently gotten off work and was at home as I frantically explained what was going on to the number I had been instructed to call. They calmly accepted my situation and told me they'd be shutting off access to my card, and immediately sending a new debit card in the mail. I begged for more information regarding where my money had gone and how someone could've stolen it considering I only have one debit card, and no one knows my pin. A week goes by, and as of XX/XX/2021, I found a letter in my mail addressed to me as a resolution of my claim. They found the transaction to have been made by me because the person used my pin, therefore they ended it with a " Please consider your claim closed. '' I filed a police report that has not affected my situation, and I have been tight on bills ever since the sudden loss of this {$500.00} taken from my account. My account was closed a few months later due to insufficient funds because of this sudden impact. It would greatly help me financially to get back the money that was stolen from me so easily after having an account with Wells Fargo for XXXX years.

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 2020-04-24
Company: EQUIFAX, INC.
State: UT
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 been notified by my mortgage broker of multiple accounts that are harming my credit. After carefully reviewing the accounts I have come to the conclusion that I have been a victim of identity theft. I have always heard of these horror stories and never thought it can happen to me until now. This is a complete nightmare because who knows what else these people have done with my information and it is just nerve wrecking. Please tell me what I need to do to get this stuff corrected and cleared so I can get my life back. Thank you very much in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: FL
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 Account # XXXX, XXXX, XXXX, XXXX, XXXX and 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

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 2022-04-06
Company: South Mississippi Collection Services Inc.
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
XXXX XXXX i received a letter from South Mississippi collection service inc for the amount of $ XXXX have no knowledge of this account.This debt collectiion was sent to the SOUTH MISSISSIPPI COLLECTION SERVICE on XXXX/XXXX/2021 for the amount of {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: Fay Servicing, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
For a long time I have been in direct contact with the mortgage or servicer of my account, trying to obtain a modification, I have been denied for many reasons, today I got approved one for the servicing, but it is based on many anomalies and breaks the law before the XXXX XXXX XXXX. 

* They do not send me statements of my detailed account, I have months that I do not receive them. 

* do not answer, nor do they want to have contact with my counseling service company or person. they do not answer or send you any of my documentation regarding my modification or processing. 

XXXX the appraisal made by the company in charge of my mortgage. they have never done it in the interior of my house, it was hidden to the sight from the outside or with external reference. 

XXXX The interest offered by the mortgage or servicer, is ridiculous, they changed from 4.5 % I had to 5.750 % from 30 years before the loan, I 'm going to change it to 40 years, now. 
*the mortgage company told me that if I did not declare more profit I could not qualify for a modification that I had to show more profit so that I could authorize a modification verbally I was told by the account manager. 

*I am notified of the foreclosure process, well before the law or XXXX XXXX act. 

*they send me notification of foreclosure with many irregularities, in the process, referring to the dates of the process. 

* * do not want to give any information to the company authorized by me, to help me with the process of mofication, always have a pretext, do not return any document, do not answer about my process, or let them know anything about the process. 
they just want the communication to be with me, and not reviewed by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: Ocwen Financial Corporation
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX I opened a mortgage with XXXX that was later foreclosed and then sold to Ocwen on XX/XX/XXXX. On my credit report it shows XXXX " account opened XX/XX/XXXX '' and Ocwen " account opened XX/XX/XXXX '' It also shows Ocwen then foreclosing on the home again in XX/XX/XXXX. Paperwork per XXXX County Property records show Ocwen did not take over this property until XX/XX/XXXX. My report is showing that I had 2 open mortgage accounts at the same time by two different mortgage companies when I did not. This has affected my credit score and Ocwen will not properly state the date they took over the mortgage. I have contacted XXXX who removed Ocwen off my credit report, I also contacted XXXX file # XXXX on XX/XX/XXXX I  recieved a decision from XXXX of my dispute, but the information was still the same when I called they informed me that even though I had provided documentation of my dispute that it was up to the creditor to decide whether or not the information will be changed not based on consumer documentation. My XXXX file # XXXX XXXX also sent me a letter that the information was updated but the information is still the same as before my dispute. I called Ocwen spoke to XXXX in the research department on Monday and he told me Ocwen did n't have to adjust the date because this was the same account from XXXX although they have 2 differenct account loan numbers.

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 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 been notified by my mortgage broker of multiple accounts that are harming my credit. After carefully reviewing the accounts I have come to the conclusion that I have been a victim of identity theft. I have always heard of these horror stories and never thought it can happen to me until now. This is a complete nightmare because who knows what else these people have done with my information and it is just nerve wrecking. Please tell me what I need to do to get this stuff corrected and cleared so I can get my life back. Thank you very much in advance.

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 2022-04-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
This seems to be a recurring issue with your XXXX  credit card. The same issue happened around XXXX where I was not awarded the appropriate number of stamps. It happened again in XXXX, last month. The last time you all told me that it is a XXXX issue. I am trying to get answers one more time before I close this account and just go to a competitor. I would think that you would want to make sure your programs are companies you deal with to be ethical, and to make sure your customers get what is advertised. As you can see on the attached statements, I earned XXXX stamps, but I was only awarded XXXX on my XXXX account. I try to call XXXX, but their reps are outsourced and can not fully comprehend XXXX. They keep asking for an itinerary number, but I keep telling them the issue does not pertain to an itinerary number, but a missing stamp that I earned thru purchases with my XXXX credit card. Again, if the only thing you can tell me is that I need to contact XXXX, I will have no choice but to close the acct, as I can not keep spending all this time to ensure your program credits as advertised.

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 2022-08-14
Company: Experian Information Solutions Inc.
State: OK
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:
My identity/ personal information was stolen and used to fraudulently open several accounts. I have spent the an enormous amount of time contacting the XXXX credit bureaus to dispute the in accurate information to no avail. XXXX asking you to help me get my life back. 

XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXXXXXX XXXX {$500.00} XXXXXXXX XXXX XXXXXXXX. {$100.00} XXXX XXXX. {$5100.00} DEPT OF EDXXXX XXXX {$7900.00} DEPT OF EDXXXX {$5500.00} XXXX XXXX XXXXXXXX {$200.00} XXXX XXXX {$9900.00} XXXX XXXX {$5400.00} XXXXXXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$400.00} XXXX XXXX {$350.00} XXXX XXXX {$480.00} XXXXXXXX XXXX XXXXXXXX {$930.00} XXXX XXXX XXXX {$3300.00}

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 2020-04-24
Company: Leap Credit, LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
On XX/XX/XXXX Leap Credit withdrew two XXXX payments from my account. Now I havent heard from this company in over a year. The last email they sent me about this account was XX/XX/XXXX. We are currently in a pandemic and they knew people were getting stimulus checks so they went in and just grabbed money not knowing that Im not working because I live in the state of NY so Im furloughed. Its crazy that they have not received a call or letter from them in a year and all of sudden I see two charges on my account. Dont they have a time frame they have to stop withdrawing from someones account and dont they have correspond with you that they are pulling money from your account? Because they didnt send any type of notice to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/2019 I applied online for the CitiBusiness Aadvantage Platinum Select Card and was not immediately approved/denied. On XX/XX/2019 I called their decision line XXXX XXXX XXXX and was told my application was pending until I provided additional information to verify my business and my business address. I told the representative that I was just starting my business and I would not have the information they were requesting from me. I told the representative that I was a long time Citi customer and did not understand why I was being asked for additional information especially when no where on the online application I was informed that I would need to provide any other information. I also asked if I could be considered for the consumer version of the Aadvantage Platinum Select card instead without having to run my credit again. The representative advised that was not an option and I would need to apply for that card and my credit would be run again.

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