BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 XXXXXXXX

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 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2021-02-03
Company: Shellpoint Partners, LLC
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We started the refinance process on XX/XX/XXXX with our current mortgage company, NewRez, LLC. We completed all necessary documents by XX/XX/XXXX. We submitted all documents requested in an extremely timely manner. We paid {$750.00} for an appraisal that was completed in XXXX with report sent to New Rez on XX/XX/XXXX. Since that time it has been one email after the other about why the closing is delayed. This has been 4 months and the closing was scheduled for tomorrow and they just canceled it again, no reason given. I have wasted months on this. Please look into this very unethical business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Kriya Capital, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2023 CREDENCE RESOURCE MANA showed up on my credit file. Stating that I owe an alleged debt of {$200.00}. I never got any correspondence from this company before having them appear on my credit report. I just woke up one day and they were reporting. CREDENCE RESOURCE MANA is in violation of the validation of debts ( which is codified at 15 us 1692g ) because they never sent any correspondence to verify that I owe the debt or to allow me to depute the alleged debt. I don't know who this company is or where they came from. One thing I do know is they are practicing abusive business practices and harmed my credit file. Since they fraudulently reported on my credit file my credit file has been damaged by a total of XXXX points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
Company: Genesis FS Card Services, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No written consent has been given my to authorize the following credit cards associated to my identity. Under numerous attempts to remove these fraudulent accounts from my report the crediting agency has refused to remove the accounts. 

CB INDIGOXXXX XXXX XXXX BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  The following inquiries are also negatively impacting my credit worthiness. I can confirm they are not valid inquiries since I have not physically signed any document or notarized any official authorization of a credit pull. Therefore I am demanding the immediate removal of these inquiries from my credit report because they are not authorized with my written consent. 

XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Credit Unions Inquiry date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Sales And Service Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX  Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX  Retail, Not Elsewhere Classified Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Bulk Purchase Finance - General Inquiry date XXXX XX/XX/XXXX XXXX Department And Variety Stores- non specific Inquiry date : XX/XX/XXXX XXXX Banks and XXXX & XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Banks and XXXX & XXXX Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX Finance, personal Inquiry date : XX/XX/XXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX XXXX XXXX Finance, personal Inquiry date : XX/XX/XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX XXXX Finance, personal Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX XXXX BANK XXXX NXXXX All Banks Inquiry date : XX/XX/XXXX XXXX - XXXX XXXX All Banks Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX XXXX. 
XXXX & XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXXXXXX BANK XXXX All Banks Inquiry date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XXXX XXXXXXXX BANK All Banks Inquiry date : XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX 
Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  . 
Inquiry date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: CIT BANK, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My mortgage loan was paid off XX/XX/2020. I got an escrow refund of XXXX but I am still owed XXXX. The account shows a payment to insurance of XXXX XX/XX/2020. This payment was never received by insurance and the insurance was not needed as property was sold and account paid off before the insurance start date. The insurance was also cancelled by agent. I enquired with CIT bank customer service and they indicated that they would put a trace on check and refund. I have not received any refund. Your customer service line now only has an automated option and I am not able to get through to an agent. There is basically no response from CIT back after leaving numerous messages on automated line

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, 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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Universal Recovery Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
1. I had a check returned to XXXX XXXX XXXX XXXX, even though I did have overdraft protection, my bank did not cover. 
2. I received a notice from Universal Recovery Corp. which I signed for on XX/XX/XXXX. 
3. Due to upcoming holiday I did not call right away, that day. I DID in fact call on XX/XX/XXXX, ( which I have call record from my cell provider proving I called the company, left message as the person handling my account was not there. 
4. XX/XX/XXXX, I received a call from the Universal Recovery, which I answered and was happy they finally returned my call, I was prepared to set up arrangements to take care of debt. 
5. I was told that I now owe {$640.00}. I asked for a supervisor and got XXXX XXXX. This person told me, I NEVER called on the XXXX date, or she would have called within 24hrs. She harassed me, laughed at me, asked if I made arrangements for the food I ate, and I was being ridiculous if I thought she would ever make arrangements. I was never told what the {$640.00} was for, and I stated I was trying to make arrangements for the total on the letter. 
6. I was contacted before 30 days was up, I was upset that she made fun of me for being in a hardship, even knowing I had recently had a XXXX XXXX. She said she had no sympathy or empathy for someone who wrote a bad check. I asked for a supervisor, she laughed and said she was the majority share holder of the company and I could not speak with anyone else. 
7. I felt harassed, embarrassed, bullied, made fun of, put down because I dont have the money she was wanting. 
8. I spoke with the store that the check was returned to, he stated they are in agreement with the collection agency for a fee of {$25.00}, not {$640.00}, and was unaware that this company was harassing their customers.

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 2018-08-10
Company: Nelnet, Inc.
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: Account status incorrect

Complaint:
Several months ago I called in to customer service and inquired as to how to aquire a payoff letter for the purposes of loan consolidation. 

I was directed to the website and directed by XXXX customer service how to access this information. The payoff letter that was generated is attached to this correspondence. 

After submitting this attachment to XXXX, my consolidation bank, a check was then sent with pay off instructions with my consent to close the account Iafter completion of the payoff transaction. 

One week ago, I was checking my credit report and realized that XXXX put a 60 day past due notice on my previously closed account. Completely confused, I called XXXX customer service to get answers. 

Upon gathering more information the customer service agent, I realized that XXXX previous agent MISADVISED me and did not give me the correct payout information. 

I did not receive any corresposnce from XXXX as to say that my loan was in default and that the process of loan consolidation was incomplete. 

I immediately paid off the past due amount. 

I am asking XXXX to please remove the any delinquencies associated with this account from the three major credit bureaus and bring this account back in good standing. 

I now have to redo my consolidation loan because of this error so Im also asking XXXX to please email me the corrected payout letter for this purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: EQUIFAX, 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:
The account reported to the credit bureau does not belong to me It belongs to my ex spouse who add me as second card holder without my consent. 
On the report it states that account is joint but I never sign an agrement with the credit card company but husband is the primary responsable. 
I disputed it with the credit bureau but it remains in my report wich I find unfair

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Citibank added a {$6800.00} fee that was not disclosed the night before scheduled closing and my scheduled moving date. Mortgage representative stated in writing the fee would not be added and it still was. When I spoke with the representatives supervisor, he discouraged me from complaining and said they may not give me the mortgage if I complain about the lies from the company. The supervisor has not responded to calls and emails over the past 10 days requesting escalation to their legal team.

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 2023-08-26
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I been riding around with a paper tag on the car. Now for 11 months.When I purchased the car the company went out of business. I been having a hard time getting a tag for the car. I make my monthly payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: MSV RECOVERY LLC
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had several issues with Upstate Services ( https : //upstateservices.net/ ). 

I returned several calls and voicemails on XX/XX/18 from them ( left both on my cell phone and on my work phone the prior week ) and requested a written validation of my debt, which I was told was a " waste of their time '' since I would not pay anyway. The company also called several family members and friends, stating to some of them they were making a final attempt on a complaint against me before turning it over to an attorney. The company also left a voicemail stating this in one instance. On a second call that day with the company, I asked for them to confirm the phone number of their company. The individual I spoke to refused because I had already called them back and had the number.

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 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Back in XX/XX/2017 I filed an police report with an company that committed fraud. I was supposed to do a vehicle refinance. The dealer cashed the check and was suppose to pay off XXXX XXXX and XXXXXXXX XXXX  Dealership never paid XXXX XXXX or XXXX XXXX left me with two loans. I filed police report and customer compliant at XXXX  XXXX. I'm still awaiting court date but XXXX XXXX closed out account on credit report. XXXX XXXX is still reporting account is open and high balance. I been trying to dispute with credit bureaus and had no luck at all and this is messing up my credit 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 non-monetary relief
Consumer complaint received 2021-05-03
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I have called in twice and am now issuing my request in writing. I had two refunds from XXXX XXXX to my XXXX XXXX credit card, account : 1. {$2600.00} ( refund check issued XX/XX/XXXX ) 2. {$3400.00} ( return posted XX/XX/XXXX ) These credits were issued on different days. On XX/XX/XXXX I called and requested a check for the {$2600.00} credit and on XXXX I called to request a check for the {$3400.00} balance. The first {$2600.00} was proceed with no issue, however, when I called on XXXX I was told that a second check could not be processed until I received and cashed the first but they would watch it and refund as soon as possible and since the first refund check was just released that would not be until the next day. As such, I called back this morning and asked for a check to be issued today. They reiterated that due to internal processing a second check could not be issued until I received and cashed the first - which is unacceptable. One refund is not contingent on the other and I am officially requesting that the remaining funds be released today, XX/XX/XXXX. I understand there is a processing period needed but this is truly unacceptable. I had them cancel the check on XXXX the check never came- so that we could do one electronic refund of the full amount. I called the week of XX/XX/XXXX to make arrangements for this. On XXXX XXXX I spoke with the representative who said my refund had processed and I should expect to see it on my account in XXXX hours. I called today on XXXX and was told that it was not an electronic transfer but rather a paper check. And again I would need to wait 7-10 business days for it to arrive in the mail. The last time I did this was XX/XX/XXXX for the first check and on XX/XX/XXXX the check was canceled with the understanding that a full refund would be processed electronically. No one can tell me when or why this happened, just that it did and I need to wait patiently. Since XX/XX/XXXX I have been trying to get back my {$6100.00}. It's XX/XX/XXXX and I still have no idea when I will actually get a refund. Please assist as I can't get a clear answer on the phone and no one is responding to my e-mail- screen shots of unanswered e-mails attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
The checking account that I use to pay this credit card was compromised twice, where money was fraudulently stolen from my account. On each of these occasions I had to close the checking accounts. Payments from these accounts did not reach XXXX XXXX XXXX because of this. I have explained to them over the phone and in writing what happened. They refused to remove the late payments, that were out of my control, from my credit report. I am asking for help in getting this resolved.

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 2023-09-11
Company: EdFinancial Services
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
Due to the regulations regarding the restart of student loan payments and the new SAVE plan, my IDR recertification was not due until XX/XX/XXXX. However, because the XXXX website had not been updated, it reflected a past due recertification date, and I was unaware the covid pause extended deadlines, so I recertified through there. Upon logging into edfinancial 's page, however, I found that I had not been required to recertify for another 14 months. I requested that edfinancial deny my application and NOT use my recertification in calculating my IDR payment. On XX/XX/XXXX I received a payment schedule from edfinancial showing {$0.00} payments for 15 months. Today, XX/XX/XXXX, my account shows that my recertification was accepted despite my request. As such, my payment has now gone up significantly. Due to the discrepancy in dates between the pages, I was misinformed and I want the same benefit of an extended recertification requirement as everyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: EQUIFAX, INC.
State: CA
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:
Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX, and XXXX is reporting a collection/charge-off 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 is it impossible to be late in paying on an account that has a {$0.00} balance and since the account has a {$0.00} balance there is nothing to collect and/or charge-off. This false reporting of lates/collection/charge-off is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation