BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-06
Company: TRANSWORLD SYSTEMS INC
State: DE
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:
The current issue is I am not able to see, pay, and manage my 2 student loans when I log into UAS ; this issue was present and unfixed since XX/XX/2021. The following is background concerning this issue : My 2 student loans with XXXX University were supposed to be in deferment without interest accruing until XX/XX/2021. UAS kept interest accruing during the deferment period despite multiple calls and emails. I submitted a prior CFPB complaint regarding this past issue, UAS resolved it by taking the accounts offline in XX/XX/2021. Since XX/XX/2021, when I log into UAS, I have not been able to see any balance, interest, or loan information. I can successfully log into XXXX. The loan information is not present when I log in. I have attached the prior CFPB response, and the loan aggregate reports and screenshots spanning multiple months of 2021 ; please pay attention to the dates as they will illustrate the issue. This issue is unresolved despite multiple phone calls and emails to UAS. These loans are now out of deferment and I need to manage and pay these loans this month, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
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: Information belongs to someone else

Complaint:
the accounts/ inquires cant be verified and need to be removed from my account 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 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 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 2022-08-26
Company: DISCOVER BANK
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I called into discover bank to see if i can get a forbearance for my credit card department I had XXXX  XXXX XXXXXXXX done XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX due XXXX XXXXXXXXXXXX XXXX With my recovery 8-12 weeks Aside from this unforeseen and unavoidable circumstance, i have an excellent payment record with discover bank and i wasn't granted hardship untill my account was 30 days late and they reported XXXX late payments to the credit bureau and XXXX payment how im i going to make any payments on bed rest i attached my XXXX documents I Also called into Discover and explained my situation and I wasnt granted any hardship before my XXXX w hardship after the late payment was reported to the credit Breau What i want to happen is my late payments removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: ALLY FINANCIAL INC.
State: VA
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 Do Not recognize this Inquiry from this company and have not given permission for this company to have access to 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 explanation
Consumer complaint received 2022-08-26
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Im a young father of XXXX who lost his job during covid and Im getting buried in debt with the insane interest on this credit card. My promotion balances were unclear and I made all my monthly payments on time every month, my last payment was almost XXXX $ and I got charged XXXXXXXX XXXX  in interest. How am I supposed to survive like this. You guys already made so much money in interest from me but want to see me buried in debt making XXXXXXXX XXXX payments until Im XXXX XXXX XXXX and my XXXX credit card has XXXX $ in paid interest by the time Im done. I need help, have a XXXX and look into my account. Lower my interest rate, waive some interest fees, please do something to help a paying customer who doesnt miss payments. You want to see someone who lost there great job suffer now from insane interest charges every month? I need help please please please look into my account

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 2021-09-10
Company: Incomm Holdings Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2021 I downloaded the prepaid serve app from my XXXX play store. When I downloaded the serve mobile app it prompted me to accept an End User License agreement. The XXXX was not from XXXX XXXX serve. The companies listed Was Incomm Financial Services Inc and Interactive Communication international Inc which is associated with XXXX  and bradstreet in which is the company that was used for inside trading with XXXX and to transfer and convert my former employer XXXX common stock. Basically the XXXX is unethical deceptive and unfair. Also inorder for the thieves to conseal the deceptive practices fraudulent transaction is to control it. What I mean by that is individuals group business and or government entity to get a financial licenses and offer financial services to keep it a secret or alleging I made fraudulent transactions in which i did not do.Also to make a claim and collect the refund for the same transaction that they made fraudulently in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2022-08-26
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
COMPANY STATED THAT ON THE FIRST PAYMENT MADE ON ALL CREDIT CARDS THERE WILL BE A HOLDING PERIOD BUT AFTER THE FIRST PAYMENT EVERYTHING WILL BE REFLECTED THE NEXT BUSINESS DAY. COME TO FIND OUT AFTER MAKING A LARGE PAYMENT THAT THEY HOLD EVERY PAYMENT FOR 10 DAYS AND I WAS LIED TOO ON A RECORDED LINE BY A CITIBANK EMPLOYEE.

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 2019-04-16
Company: United Shore Financial Services, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
United XXXXXXXX XXXX and its escrow sub-servicer, XXXX XXXXXXXX, did not pay or disburse my homeowners/hazard insurance by the due date. 

****United XXXXXXXX XXXX and XXXX XXXX XXXX dba XXXX XXXX clearly violated Regulation X, 12 CFR 1024.17 ( k ). 

****My mortgage refinance closed with United XXXX XXXX   XXXX XX/XX/2019. At the time of closing, an escrow account was established to pay property tax and homeowners/hazard insurance. My homeowners insurance policy was due XX/XX/2019 and no payment was made by my mortgage servicer. It is important to note that I have not been 30 days late on a mortgage payment and the escrow account has sufficient funds to pay the insurance amount. 

****It is reasonable to think that United XXXX XXXX and/or XXXX XXXX deliberately failed to pay my homeowners insurance policy in order to issue FORCE PLACED INSURANCE. This unfair, deceptive, abusive act and practice should not be allowed. 

XXXX*If United XXXX XXXXXXXX and/or XXXX XXXX did not purposely fail to pay my hazard insurance, this it was INCOMPETENCE on United XXXX XXXX for failing to adequately supply its sub-mortgage servicer with all the information to pay my hazard insurance. If United XXXX XXXX  did supply XXXXXXXX XXXX  with my hazard insurance information, then the INCOMPETENCE falls on XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Colony Brands, Inc.
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received a notification from my credit monitoring service that an inquiry into my credit had been initiated by this company. I have never used this company, nor have I submitted an application for credit with them. I would like to have the inquiry removed from my credit report as well as any information that was submitted associated with my identity removed from their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have spoken to reps at the 3 major credit reporting agencies regarding my consumer file and the access I want them to have. Each one has told me they will NOT be removing the negative items I requested. I have sent notices via certified mail DEMANDING the changes be updated to no avail. Within the " fine print '' of all of these companies they state they will not furnish personal information without the consumers consent yet, they continue to do so. Per 15 USC 1681e ( b ) only I, the consumer, can verify what information should be on my consumer report. 

In light of the recent and ongoing lawsuits with these companies I DEMAND all requests be adhered to quickly and without continuous verbal assault from them. This is causing XXXX  anguish and XXXX  due to how I am being perceived due to these negative items.

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 2021-04-30
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My wife and I lived at The XXXX of XXXX XXXX apts for XXXX years with no issues ever. We were purchasing a new home at some point in middle of 2020 so we didn't want to sign a lease term because we weren't sure how long it would be until we bought a home and we didn't want to pay an early term fee. We submitted our 2 months notice on XX/XX/2020 and we moved out 60 days thereafter and paid our final bill, which showed that we actually were owed a bit of money back after our deposits were applied. However, I just received a notice on our credit report that we were sent to collections for nearly {$3000.00}, in spite of never receiving any communication prior letting us know about this balance, as we would have had the chance to dispute the inaccurate amount before it damaged our credit in the midst of a refinance of our new home. The collection agency doesn't have sufficient information that proves this balance is owed whatsoever ( because it isn't owed at all ). This is a violation of the Fair Debt Collection Act and we are entitled to damages resulting from their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The morning of XX/XX/XXXX we reported XXXX unauthorized XXXX disbursements, we have never used XXXX, to people we don't know, XXXX for {$950.00} on XX/XX/XXXX and XXXX for {$960.00} on XX/XX/XXXX. We did not authorize these disbursements. This was not a scam. It was fraud. On XX/XX/XXXX we were told by the Wells Fargo fraud department that these funds would be restored to our account in XXXX  days. Since then we have had numerous phone conversations with Wells Fargo without satisfaction. 

On XX/XX/2022 we sent a Certified Mail Receipt letter outlining our complaint with our account number and claim number to XXXX XXXX, XXXX & XXXX Wells Fargo Bank. We have had no response.

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 2022-08-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
the accounts/ inquires cant be verified and need to removed from report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2017-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The short sale has been under review for 79 days. The first issue is, despite my third party authorization has been on file and I hav e asked Capitol One at least 15 times to update MY phone number (  XXXX  ) to their system to call me for updates and or document request. Capitol one says they will update the information but never do because they keep calling an invalid number and never inform me with what they need. When I call. customer service keeps asking for completely irrelevant documents such as hazard insurance invoices for OTHER properties, property tax bills for OTHER property, etc. I have been negotiating short sale for six years and I have never had a lender ask for such things that are completely outside the norm of short sale required  documents. The file has been held up and there is no end in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: JPMORGAN CHASE & CO.
State: IA
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:
This is not a duplicate. 
XXXX shows XXXX of XXXX as payment made. 
XXXX shows XXXX of XXXX as XXXX  days late. 

This is not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: WI
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 receiving constant notification via XXXX XXXX that this company is reporting my payment history as having past due payments on an account that was paid in full and closed in XXXX of 2021. I have disputed this information every month since XXXX with XXXX XXXX. XXXX XXXX would clear the incorrect information only to have XXXX XXXX report it again within 30 days. This month they are now reporting incorrect payment history to Equifax. 
When I was a XXXX XXXX customer, I paid them every two weeks and I was never more than 30 days past due. I have enclosed a sample of my bank statement for your review. I was told by the company that my payments were misapplied and this was causing the issue. It was a hassle to get them to fix it and finally they agreed and corrected the report BEFORE i paid them off. Their carelessness caused me to rescind doing business with them and pay the account off to prevent future mix-ups. 
I do not understand, why this situation has not been rectified by now and it seems to be getting worst. They reported me at 100 % payment history the life of the loan, then 96 % payment history and this month is now being reported at 91 % payment history after the loan was closed which is unacceptable. This is severely impacting my credit score and causing problems with rates quoted from potential creditors. I sent an email to the company on XXXX for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
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:
On XX/XX/2019 I requested an online free credit report from Experian. Upon looking at the report I discovered that they had the wrong SSN ( which is in my opinion a cardinal sin for a credit reporting company ). I tried to dispute it online but i was informed I needed to call them. I called them and it took 46 minutes to get an unsatisfactory resolution. I requested them to change it and they did but they said that I could not have a report for 30 days ( online ) and a report in 7-10 days by snail mail. When I requested them to overnight it since my lender was waiting for it they said they could get it to me in 2 days but I would have to pay {$20.00} for it. The supervisor I ended up talking to was XXXX XXXX ( he would not give me his last name ). Since my lender needed the report asap I had to pay {$20.00} for Experian using an incorrect Social Security number on my report and for them to get me a corrected report in a timely manner. I think that this is an egregious mistake by a credit reporting bureau and they refused to correct it without me paying a financial penalty for their mistake

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 2023-09-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX, and Equifax continue to report inaccurate information on account listed XXXX Account # : XXXX. 

Account Type - Detail : Educational Educational - Account Status : Open Open Transferred Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$60000.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account transferred or sold Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX XXXX/XXXX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with non-monetary relief