BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-07
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received a Debit Card from XXXX to find out it's an unemployment card that was fraudulently requested as I am not unemployed. XXXX is trying to close the account and hopefully notifying the Colorado Unemployment office and I will try too. I have frozen my credit accounts and need to make sure someone goes after this fraud.

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 2021-03-27
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: Account information incorrect

Complaint:
Although there are a number of reports and efforts made to XXXX  to resolve this major dispute they are not open to doing such. I can not contact them or speak to them through any of their so called assistance venues. The fact that XXXX XXXX XXXX reprts I was 90 days late on my repo that is a blatant lie. I worked with their own credit manager making payments until hospitalize. I owed XXXX. If they claim I did not make payments they never DID! I made them to him! As usual a waste of time with you!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is owned by XXXX XXXX. I make automatic payments via my checking account evey XXXX weeks, so I actually pay a month in advance. ( 1 ) In XXXX, 2017, I noticed an increased amount taken from my account. When I called to inquire, I was told it was because of taxes and shortage in escrow ; when asked what would have happened had I not had extra money in the account, the rep said they would have reimbursed me the overdraft fees. ( 2 ) I get the increased escrow note in XXXX, with a date of XXXX XXXX - I call to get an understanding, get the shortage in escrow story and decide to pay the escrow to keep my bi-monthly payments low. Since XXXX, no withdrawal from my account has been the same. I call XXXX XXXX, speak with a representative and nothing changes. The last representation told me she would escalate my case and monitor it to make sure the correct amount comes out ; yesterday, still an increase. Who do I hold accountable - how do I get compensated? When does it stop?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Experian Information Solutions Inc.
State: OH
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 have been unemployed since XX/XX/2020 due natural disaster ( COVID-19 ) I called XXXX XXXX to inform them of my circumstances and was given the option to defer payments for a few months. Upon calling to ask if deferment was still available I was told yes and if I did not receive a call from company that means I have been approved and no payment would be due. Upon checking my credit report the company never called to inform of late payment which resulting in payment to go beyond 30 days late which has caused a negative impact on my credit report. The date they have reported late payment was the month of XX/XX/2020 in the amount of XXXX. I have tried to resolve this issue with company as well as disputing with the 3 credit bureaus stating this was due to a natural disaster and I am and have been an exceptional customer prior to the outbreak of Coronavirus.

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 2019-08-16
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:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16
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: Account status incorrect

Complaint:
I am uncertain as to WHY these late payments are present..I must request under the terms of the Fair Credit Reporting Act, and Fair Credit Billing Act of 1975 that you provide me with an audited statement of my account for the last 2 years..If you can not supply, please remove this inaccurate information from my credit report..Remove the late payments on 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 2019-08-16
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Validate Chapter XXXX Bankruptcy XXXX..Please view verify and validate any and all information for this alleged account, all dates and all balances, regardless if reported or not .. Further, ensure act has adequate 436 digit P6 statement and five part personal identifiers

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Professional Medical Management, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent a dispute letter including a police report proving that this account is fraud to this company on XX/XX/XXXX. I have called several times and have been getting the run around. I talked to XXXX  ( operator number XXXX XXXX yesterday XX/XX/2020 and she advised me that management last looked at the account on XX/XX/2020 but have not done anything else regarding the dispute and she will email them. Ive been disputing this account for over a year. I am now demanding that this fraudulent account is deleted ASAP!

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 2020-11-19
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
According to my Federal Student Aid page, a student loan was disbursed on XX/XX/XXXX in the amount of XXXX. I have not been enrolled in any college courses since leaving XXXX  XXXX University in XXXX. The balance outstanding is {$4100.00} according to my FSA page but my prior years taxes were used to offset student loan debt in the approximate amount of {$7000.00} or more. The telephone number, XXXX, that was retrieved when I initiated a loan consolidation application on XX/XX/XXXX has never belonged to me. The employment status on the FSA website was populated as " Unemployed '' and I have been gainfully employed. I did not apply for student aid and believe my identity was used by someone else to secure the funds disbursed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The accounts listed here, which appear on my credit report, does not relate to any transactions that I have made.. I never engaged in any transaction and truly have no idea who they are and how they ended up reporting this information on my credit report.. It is the result of identity theft.. Please look into this matter for me and remove this information off my credit report XXXX XXXX, XXXX XXXX, XXXX   XXXX ', XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX  XXXX

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 2020-04-07
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
on XXXX I contacted BAYVIEW LOAN SERVICING , LLC about the Law that was passed On XX/XX/2020, the United States Senate passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), aimed at providing financial relief to the American people and American businesses in response to the economic fallout from the fast-developing coronavirus ( COVID-19 ) pandemic.THIS law includes THE MORTAGE DEFFERMENT ACT. and the 3 reps. that I spoke with said that this company is not going to comply with the executive order signed by President Trump. this company is litsed 501c3 non profit. they should comply with the executive order being a non pofit entity

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020, I wrote to XXXX, XXXX  and Transunion requesting an investigation into items that I believed were INNACCURATE To date, I have not received a reply from Them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. On XX/XX/2020 I sent another Letter to the Bureaus and to date i still have not received a reply or acknowledgment. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a 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 explanation
Consumer complaint received 2019-08-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The accounts listed here, which appear on my credit report, does not relate to any transactions that I have made.. I never engaged in any transaction and truly have no idea who they are and how they ended up reporting this information on my credit report.. It is the result of identity theft.. Please look into this matter for me and remove this information off my credit report XXXX/XXXX   XXXX, XXXX/XXXX  XXXX, XXXX/XXXX  XXXX ', XXXX/XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-19
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
You can deny me all you want consumer financial bureau and you can agree with us bank all you want. Doesnt matter if you have granted 8 refunds. Doesnt matt how much XXXX money you deposit oh stop auto payments all this stuff doesnt matter they do not care call customer service call branch bank. Nothing works and you support us banks decession and its the truth. Doesnt matter how many statements how man transactions. Oh we think you need to do money orders to pay bills I have heard it all. I have done it all stop auto payments give up life transfer funds deposit more money. What the heck more do they expect worse banking service in the world and that is the honest truth, A pandemic means nothing and it is all m fault no matter what I so and honestly and truthfully I am. Covid 19 means nothing to the banks or the American peoples struggle and over course you well side with us bank again on there overdraft fees and them saying Im irresponsible and dont know how to manage my money. What a wonderful bank to be a part of.

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 2020-11-06
Company: Caliber Home Loans, Inc.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I had a forbearance agreement with Caliber mortgage and have met the terms and condition as required in the forebearance agreement. The first payment due on XX/XX/20 was made to Caliber. The next day, caliber sold the mortgage on XXXX to XXXX XXXX. The forbearance agreement was also transferred and accepted by the new lender XXXX XXXX. I made payments on XXXX and XXXX to the new lender and was removed from forbearance. I applied for a construction loan with XXXX XXXX XXXX ( XXXX ). XXXX discovered that the XXXX payment had been reported as late to the credit bureaus for both me and my wife. To address this error I was told to contact Caliber and request a letter stating that I had made the XXXX payment on time. I spoke 3 times with caliber customer service representatives. Each time the rep stated that Caliber would not provide the letter. I spoke with the manager on the 3rd call and she was very confused about the agreement as she insisted that I was not in forbearance at the time of the payment. I referred her to the agreement and asked to speak to her boss and that person was on another call and was told that I would be contacted once they got off the call. I never received that call. The Payment date Is in Calibers system as being paid on the XXXX. The payment was also reported to the new lender XXXX XXXX as being paid on the XXXX. The rep insists that the payment made was for XXXX which is when the the foreberance period began. Isnt that amazing? That is what the agreement required. The agreement stated that the first payment needed to be made by the XXXX starting on XXXX which was done. The next two payments were made to XXXX XXXX the new lender. This is in violation of the terms of the agreement. The XXXX payment should not have been reported. No other month within the forbearance period was reported as late. XXXX was the only one which lends credence to my claim that I was in forbearance and the reporting was in violation of the agreement. I can be contacted at XXXX. This violation has caused me harm and I may have to litigate through the legal system if you are unsuccessful. If you would like a copy of the agreement I can email it to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Navient does not allow access to a monthly statement via their web portal. I am also unable to receive a 30 day loan payoff from my online account. This is deceptive as they do not want you to have this information as you could pay off their loans quicker of shop for more competitive rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: National Credit Adjusters, LLC
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/19, I received a call at my work number from XXXX, When I said hello, they hung up. On XX/XX/19 at XXXX, I received a call from the same number at work stating that they were calling me to collect a debt from a payday loan company that gave them the loan. The person said her name was XXXX from the National Credit Adjusters and the company was located in XXXX. 
She asked to resolve my debt by a payment plan by phone. I told her that I would go to their website get more information and she told me that they would not work with me. I concern is that I was part of those person who credit was breached by the XXXX   situation and the fact that this person was calling me from XXXX. I need to know if I can use the do not call registry. because I believe this is a scam. Your assistance is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XX/XX/2019 Unable to access my credit score

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 2022-03-30
Company: Experian Information Solutions Inc.
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:
Upon checking my credit report I noticed a fraudulent account. I have disputed this information with FTC.GOV. I also tried to resolve this issue with the creditor. Turns out nobody is replying to me. I need this Negative item out of my credit report. Its damaging my financial status and hurting my credit score. My relationship with other financial institutions will be terminated if this issue is not 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 2019-08-16
Company: Experian Information Solutions 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 information incorrect

Complaint:
On XX/XX/XXXX the vehicle was totaled in a car accident. This was a no fault therefore the other vehicle insurance paid the value of the car and my lapse insurance paid the rest. I come to find out after that there were some additional fees that needed to be pay me $XXXX.On XX/XX/XXXX I received a settlement offer for $XXXX (attached is a copy with payment reference#) and that they will close and report the account with all 3 credit bureaus as settled. On XX/XX/XXXX I made the settlement payment of $XXXX and on XX/XX/XXXX I received the paid settlement letter as agreed (Copy attached) and that it will be showing on credit report settled for less than the full balance” with the Credit Reporting Agencies.Today XX/XX/XXXX the account on my credit report was updated as closed and charged off with last payment of $XXXX and a balance of $XXXX. This is not what was agreed and also caused my credit score to drop almost 30 points. This needs to be corrected ASAP as it will prevent me for getting future financing and more than likely the remaining balance will be sold to a collection agency that most likely with be put on my credit report and seek further payment. Not to mention that will continue to drop score. I'm requesting this to be corrected on my credit report within 3 business days after verification of this matter.

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 2017-08-10
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have a currently have to collection accounts listed on my credit report by a debt collection agency First Federal credit control on behalf of XXXX XXXX XXXX XXXX, in the amount of XXXX and another amount of XXXX. First Federal Credit control is not license in the state of Florida and therefore I am disputing this collection account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
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:
I'VE BEEN GETTING CALLS FROM DEBT COLLECTORS AND COULDN'T UNDERSTAND WHY! I SO HAPPENED TO PULL MY CREDIT REPORT AND I NOTICED ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT THAT WERE NOT MINE AND ARE UNAUTHORIZED AND FRAUDULENTLY REPORTING ON MY CREDIT REPORT. I AM HIGHLY UPSET ABOUT THIS MATTER, A POLICE REPORT IN XXXX HAS BEEN FILED AND ADDITIONALLY A COMPLAINT WITH THE FEDERAL TRADE COMMISSION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-19
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Ive attempted to dispute this item SANTANDER numerous of times with XX/XX/XXXXasking them to verify this Debt. After over 60 days they still failed to show me how they verified this debt belongs to me. This is unfair to me and my children because this item is the only thing that's holding us back from closing on our home.

Company response to consumer: Closed with non-monetary relief