BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-29
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:
A late payment reported to the reporting agency and I never pay my cards late I noticed a drop in credit score so it made me do research into whats going on I found the acc with first premier that I dont use that is not mine that I did not authorize acc number XXXX and a host of credit inquires that are not mine and I did not apply for 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I do not use credit cards a lot nor do I check my credit report I have also made a police 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 2020-10-30
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: Their investigation did not fix an error on your report

Complaint:
i have disputed with you many times inaccurate information and unverified that is holding me back from getting a new vehicle

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 2020-12-04
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:
There are numerous accounts listed on my report as collections that I have no knowledge of. These accounts are a result of malpractice or error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: AMERICAN EXPRESS COMPANY
State: AZ
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 noticed that on XX/XX/2018 a hard inquiry was made to amex which I do not recognize at all. I am in the process of trying to improve my credit score and pay off account balances to purchase a home in the future. An amex card is one that I am not even ready to try and apply for. As this is hurting my score just a little bit I would like it removed from XXXX  and any other credit bureau that it may appear on please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-22
Company: SLM CORPORATION
State: AR
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Someone from Sallie Mae keeps calling and now they are saying they are going to turn me in to the police. I co-signed for my granddaugter, and she is one month behind. The number calling is XXXX. My grandaughter asked them to put me on the do not call list but they didn't. They keep calling making threats. 

My phone number is XXXX and they call all hours of the day and night. 

I am over XXXX, I have XXXX, and I am in no position to pay this. I would like to be removed from the call list. My granddaugter said she is going to catch up the payment.

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 2018-10-02
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I am a former customer of US Bank. I closed my account over 2 years ago now, due to the fact that I couldn't afford the overdraft protection fees associated with my account. I asked US Bank, to turn off my overdraft protection so that I wouldn't have to worry about incurring these fees anymore. I was told, by a telephone banker that the overdraft protection, was turned off on my account and that I wouldn't occur any more fees. After several months, I received a letter in the mail stating that I owed US Bank {$130.00} and change. I inquired about how I was given this amount, but I wasn't given a straight answer. The last contact that I was given, was by letter again stating that my amount owed had changed to {$320.00}. Every time, I received a letter there was not an option to have my potential debt, reported to the NSCRA as paid in full. I spoke to 2 different people today, XX/XX/18 and was told that if I wanted my debt to be paid and reported in full to the NSCRA, I  would have to pay the total of {$320.00}. I don't feel that I'm responsible for this amount, due to US Bank " padding '' my bill, and due to the fact that my overdraft protection was supposed to be turned off. I will gladly pay the current settled amount of {$130.00} paid in full with, US Bank if they will be willing to report to the NSCRA, that my account is paid in full, not settled in full.

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 2020-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
recently obtain a copy of my credit report and noticed accounts that did not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Nelnet, Inc.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
When I was XXXX, I only signed up for a tour of XXXX campus. And I wanted to go through the pilot program. When I showed up, I was informed that I would never be able to afford the pilot program but I " should sign up for the mechanics program since it will make you lots of money one day and then you can afford the pilot program ''. I was coerced into actually signing up for tuition same day. Some lady on a computer looked up all the loans for me and just had me verbally agree. I should have had more time to discuss this huge financial decision and some adult should have explained what my obligations would have been. I feel like I was taken advantage of much like a XXXX car salesman preys on the unexpected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Seterus, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX email : XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX To Whom It May Concern : I received the attached correspondence dated XX/XX/2018, from XXXX, XXXX on XX/XX/2018 ( see attachment ) In the correspondence it states that I did not make my mortgage payments that were due on XX/XX/2018 and XX/XX/2018. However, sent my payments via certified mail ( see attachments ). My XXXX payment was made via Money Orders and my XXXX mortgage payment was made via certified check also known as a bank check ( see attachements ). 

XXXX, XXXX, in its correspondence threatens to foreclose on my house even though I made the payments on time and via money orders and a bank check. I am askingfor an investigation into the proceedures and processes of XXXX, XXXX and that any foreclosure proceedings by XXXX, XXXX be stopped. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
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:
Respond  As a victim of identity theft  (meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver's license numbers, in order to impersonate someone else) I have provided  relevant information about my Identity Theft Report. FCRA § 605B(b), 15 U.S.C. § 1681c-2(b). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623(a)(6)(A),you must not allowed  the furnisher may not continue to report that information to any CRA. FCRA § 623(a)(6)(A), 15 U.S.C. § 1681s- 2(a)(6)(A). Second, under FCRA section 615(f), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA § 615(f), 15 U.S.C. § 1681m(f).As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. § 1681i, a copy of which is enclosed, I am requesting that the item(s) be removed  to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: MORTGAGE LENDERS OF AMERICA
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was misled during my lending process. My initial lender Mortgage Lenders of America asked me to do a Credit Bureau Explanation. I thought the request was strange however since I am a first time homebuyer I thought I 'd comply. I was informed a week later that my credit report from XXXX had been updated and my legal name had been removed from my credit report and my credit score had dropped XXXX points. Also all of my physical addresses were removed from my credit report without my authorization or consent. This allowed Mortgage Lenders of America to raise the interest rates on my loan to 4.87 % FHA loan which is extremely high. I immediately contacted my loan officer XXXX XXXX with Mortgage Lenders of America about the change and she denied it. However, I only provided her with the Credit Bureau Explanation.I am now using another Mortgage Lender. However, I needed to report this illegal practice and I actually believe that someone should be imprisioned behind it. It allows these lenders to charge excessive interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX REFUSES TO VALIDATE AND REMOVE AN INCORRECT REPORTING BY XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX , MD. 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 2020-10-30
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, im reaching out to you because my mortgage company is taking advantage of my financial situation. 
As of XX/XX/2020 i called my mortgage company asking for help due to COVID-19 Shellpoint Mortgage told me that they will help me and not to worry about any charges for paying late. 

i used my savings to continue making my mortgage payments and never missed any payments. Now i found out that Shellpoint Mortgage is charging me for appraisal fees, covid-19 fees plus late fees. 

I called them to speak to a manager about this and never got a response. Now Shellpoint Mortgage is reporting that im behind on mortgage payments when i was never late. 

it is not fair for shellpoint mortgage to take advantage of our financial situation when we never missed any payments and now they are trying to charge for appraisal fees, covid-19 fees plus late fees. 

This is not fair for anyone that was affected due to covid-19. please all im asking is to help me stop Shellpoint Mortgage take advantage of homeowners that are suffering. 

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 2020-10-30
Company: MEGASTAR FINANCIAL CORP
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have spoken to customer service in regards to unlocking my account to allow payments through the one time payment portal. Today I spent a long time on hold only to be transferred to a full voice mail. This company is forcing me to pay my mortgage by certified check without notice and or justification. 

This company will ignore that you exist and will make it clear that you are of no value and or concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: CMRE Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have called the collection agency on several attempts Ive asked to know the dates for the services they say I received and they do not know Ive explained that I have never gone to XXXX XXXX especially not in XXXX as it says on my credit report I have no idea why XXXX XXXX did not bill me directly if in fact I did receive services from them plus the collection agency is reporting the same claim in 4 different collections making my credit report have 4 derogatory marks Ive also told the collection company that I am dually insured  and never have to pay any balance for any medical service because I have ppo insurance with XXXX by XXXX XXXXXXXX XXXX of XXXX Illinois fund and full Medicare Plus for any services that are not in a hospital require a claim form to be filled for specialty services So I would have received a letter from my insurance to fill out for this claim which I have not or if I had to go to this certain imaging company on my doctors referral I would have called my insurance to advise them that my doctor made the referral and faxed my insurance the referral for them to fill claim form so that I would be covered beforehand and not have to wait for a bill then fill the claim form I never received any bill from XXXX XXXX They continue calling and calling after Ive made several tries to have this issue resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/18 I piad a {$1500.00} debt over the phone to the law offices of XXXX XXXX XXXX. 
My bank statement shows the same name and amount for the charge to my account On Wednesday XX/XX/18 someone attempted to sever a summons at my parents address in XXXX CA. My Father told him I do not live there and that I live in XXXX CA. The same person returned on Friday XX/XX/18. My father told him again I live in XXXX. The process serve left the papers on the porch and left. My father called to tell me about this. I went to get the papers and it is a Summons and that I am being sued by TD Bank. The legal firm is the same XXXX XXXX XXXX that I made my payment to on XX/XX/18. I have sent them 2 emails to the address on the paperwork. both were returned as bad email address. I sent them a email from the " contact us '' on their web site and have not had a reply. I have not called them because I want everything I writing from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with USAA FSB. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and USAA FSB with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/XXXX / XX/XX/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 2020-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I have a home equity line of credit on my property through Bank of America. The balance on this line of credit is {$0.00}, having been fully paid of since XX/XX/2020. 

We are trying to refinance the mortgage on this property through XXXX XXXX, and they have told us that we need to close the HELOC account before completing the process. Right now, closing this account is the only thing delaying the completion of the refinance. 

Throughout early and mid XX/XX/2020, I tried many methods to find a way to close this account. When I called the number given on the BoA, there were no automatic options given for closing the account, nor was it possible to speak to a live person to explain my problem through any route I could find. The BoA website also gives no way to close the account. 

I submitted a help request on the BoA website in early XXXX, and never received any type of response. 

I went into a local BoA branch to ask to close the account, and they said I would have to call toi do it and gave me a number. This number took me to the same automated system as the number on the website, and I couldn't find a way to talk to a person or submit a request. 

I tried to schedule an appointment to talk with someone on the BoA website ; they did not have any opening available until late in XXXX. When they finally called me, they said they could not help me with the issue, but gave me another number to call. 

On XX/XX/XXXX, this number did get me to someone at BoA who said that they would close my account and mail me a letter to confirm that the account was closed. They said it would take 5 business days for the account to close and they weren't sure when the letter would arrive after that. 

As of XX/XX/XXXX, no letter had arrived, so I called the number again. They confirmed that they had the request to close the account in their system, and they had marked the request as resolved, but the account was still open. They said they would have the account closed in 24-48 hours. 

As of today, 9 days later, the account is still open. This has significantly delayed our attempts to refinance our home, and if it is not resolved quickly, XXXX impact our ability to get the low rate we were initially quoted.

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 2018-07-27
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
XX/XX/2018 I recieved my direct deposit and the moment i used the card the account was closed. I callsd bbca compass clear spend and they sent me to XXXX XXXX when i asked how i would recieve my money. I need the company to send me my money my check asap.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
incorrect information on 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 2020-10-30
Company: U.S. BANCORP
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My name is XXXX XXXX My address is XXXX XXXX XXXX I am writing because I was locked out of my Us reliacard account, due to a change of address I was instructed to send documents I have three times The documents I've uploaded Is a lease statement A photo of of my landlord The phone number of my landlord My photo ID My w2 My SSN A selfie of me holding my id A selfie of me holding my debit card I was told it would be unlocked in 1-2 buisness days, it's now going on the XXXX I have no access to my funds I need to buy medicine I've called over thirty times The agents are all unhelpful, they all have a diffrent reason as to why the " company hasn't reviewed my documents '' I have contacted the PA unemployment office who has contacted the company on my behalf to have my account unfrozen and still no help Today was the last draw ( XX/XX/2020 ) I called at XXXX XXXX, the agent told me that they have received my documents, but they couldn't unlock it till after XXXX XXXX, and to call back then to have my account unlocked I called at XXXX XXXX, the agent who answered said there's nothing sh can do, that I should resend in my documents, I asked to talk to a manger she said there isn't any that work there. 


I am livid, they are holding my money because I changed address 's, I was forced to change address due to an eviction I have also uploaded the eviction notice I need my money to buy myself medicine to buy my self food and they have no right to hold my money on me I want this fixed right away

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