BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-27
Company: U.S. BANCORP
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a pre-paid XXXX debit card for {$100.00} as a gift. I followed the instructions and registered the gift online at the company 's website. The website is XXXX, phone number XXXX. I entered my name and mailing address when registering the card. I also called the number above and set a PIN. 

I have tried multiple times to use this card online through sites like XXXX but it keeps getting rejected by the retailer. It says the payment method is invalid. 

I tried calling the number above to speak to someone to resolve the issue but there it is just a recorded menu system and there is no live human to speak with.

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 2020-07-22
Company: AES/PHEAA
State: AZ
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:
When consolidating my loans from a private provider, Fedloan rolled them over in parts, then charged me to consolidate, resulting in additional fees. Agents refuse to acknowledge or address this in any way. 

Formally, I was a government employed teacher that qualified for loan forgiveness. None of my qualifying payments were entered. I have since quit teaching as I no longer trust this program. 

In addition, I have asked repeatedly over the last couple months for information regarding the percentage of interest charged on loans and they refuse to provide this information. I was sent statements days after each time I reach out that include only an overview, but not the information I requested. 

The first and last issue I would like addressed ASAP so I am not over charged as I pay off these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: FL
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 called the 3 credit bureaus after receiving a copy of my report. I saw many UNVERIFIABLE items on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on 09/05/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Here is the list of incorrect accounts found on my credit file : XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX  Account Number : 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 2019-03-27
Company: XOOM CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I used this new app call Xoom, an extension of XXXX for international transfer. I transferred XXXX $ from my XXXX bank account to my daughter XXXX account, she is a student there, the fund were debited from my account but never credited to hers. Its been 3 weeks of back & forth, they show me some sort of proof of credit in her account but she never got anything. Per their request, I have been sending them her bank statements showing that its not there, I did it 3 times already, but each time they got back to the same generic email, saying that its been delivered!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-22
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, I refinanced my mortgage with XXXX XXXX. At some point, I decided to pay my mortgage by Electronic Funds Transfer. In XXXX, I was having XXXX XXXXXXXX, and asked for paper billing. I received paper billing, along with a letter stating that I had been paying my mortgage on 2 bills. XXXX XXXX, then stated that I would be given the newer number, dropping the first mortgage. After a couple of months, XXXX XXXX changed my mortgage lender to Specialized Loan Servicing. I continued to pay my mortgage to Specialized Loan Servicing. When I decided to refinance this past year, I was told that there was no record for between 10-24 months, of my Mortgage being paid. I  contacted CPFB, and requested that my account be brought up to date, and that my payments be reflected. At this point, I feel that XXXX XXXX absolutely did the wrong thing when they duplicated my mortgage payment, and that is grand theft. I also feel that Specialized Loan Servicing, by not making note of my payments, for 10-12 months, also negatively effected my credit.

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 2022-11-27
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: Personal information incorrect

Complaint:
I submitted a complaint earlier this XXXX about addresses being incorrect on all of my reports ( XXXX, TransUnion, XXXX ). Instead of updating the address on the reports, I received a letter from CFPB stating that the complaint was submitted by someone not me even thought I supplied identification in the complaint as an attachment. Please make the corrections as asked before because I don't know who the other addresses belong to. I needed this done XXXX XXXX ago.

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 2021-04-12
Company: EQUIFAX, INC.
State: GA
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 an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have had ongoing issues requesting payoffs from PNC. It takes days, and many requests need to be submitted various times. On the last loan, we sent in 4 requests over a 15 day period only to then to be  told that our Borrower 's Authorization document was over 30 days  old and our request was being denied. ( we had a previous payoff from XX/XX/XXXX so they knew we had authorization ) No one informed us of this until I called in and made a verbal request today ( XX/XX/XXXX ). 

This is absolutely unacceptable. We do not have this issue with other lenders. Most payoffs can be easily requested either online or via phone. Of course you need pertinent borrower information, which we already have since we have their new loan in process. 

I can't help but think this practice is an effort to make payoff more difficult for clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account XXXX Account name : XXXXXXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXXXXXX XXXX Account number : XXXXXXXX XXXX Account name : XXXX XXXX Account numberXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 amount owed on this account does not belong on my credit report. I have ent three letters showing proof of incorrect address. Please remove from 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 2022-11-27
Company: Experian Information Solutions Inc.
State: GA
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 noticed fraudulent accounts on my report in XXXX of XXXX  and I disputed the accounts ( XXXX XXXX amount of {$5400.00}, XXXX XXXX XXXX amount of {$6500.00}, XXXX XXXX XXXX of {$1700.00}, and XXXX XXXX XXXX of {$2500.00} ) with all 3 bureaus. XXXX, XXXX, and Experian elected to leave the fraudulent, deceptive accounts on my credit report, and to make matters worse, XXXX later reported a late payment which caused my score to drop over XXXX pts. I did not give written consent or instructions for the identified transactions listed to be reported on my consumer report. Furthermore, the identified transactions are not information related to any transactions by me as the consumer. Please see the attachments!

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 2020-05-06
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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 2022-12-08
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In accordance with the Fair Credit Reporting XXXX XXXX XXXX Account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: Source Receivables Management LLC
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:
This company has not provided any information to me relating to the debt, I don't believe this is my debt I've already filed a dispute with all 3 reporting agencies, this debt does not belong to me I'm in no contract or debt with these companies and they are reporting it even after I have disputedit ... ..pleaseremove from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2023-06-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX and I am composing this statement on my behalf. Recently I discovered fraudulent accounts on my credit reports. According to fair credit reporting these accounts have violated my rights. According to section 15 USC 1681 section 602 states that I have a right to privacy. 15 USC 1681 section 604 a Section 2 also states a consumer reporting agency can not furnish an account without my reading instructions. 15 U S C-section 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, not later than four business days after the date of receipt. It has been 30 days and the company has not done so after receiving notice that I am a victim of identity theft. I've requested the deletion of these items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-22
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On the XXXX statement for payment due XX/XX/XXXX, Mr. Cooper suddenly increased the payment from {$1300.00} to {$1700.00} with no explanation. I called Mr. Cooper and they stated it was due to an anticipated increase in our homeowners insurance which doesn't come up for renewal until XX/XX/2020. I stated to Mr. Cooper that we would be taking over our Hazard Insurance policy as well as Taxes and Insurance payments. We have a right to do that. Therefore we will not need an escrow account. They refused to allow that. It is unethical especially during times of Covid to put homeowners in jeopardy. I'm XXXX, on a fixed income and my elderly mother lives with me. My sister will be paying the taxes and insurance for the future and the principle {$1000.00} will be paid by me. It's wrong and not appropriate to change my mortgage payment especially in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Experian Information Solutions Inc.
State: VA
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:
I sent a letter XX/XX/XXXX XXXX XXXX  to remove personal information that I don't want on my credit report. According to FCRA 15 USC 1681. I have the right to privacy.Also according to 15 USC 6802 No financial institution is supposed to share my information to third party people. These are in clear violations of my federally protected consumer rights

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 2021-02-26
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In early XXXX, we requested Mr. Cooper remove this property from the forbearance program and that we would pay any back payments owed. Instead, Mr. Cooper placed this loan into a deferral modification which has created a tremendous headache for us as we are trying to obtain another mortgage loan with a different lender. 

For 5 weeks we have requested Mr. Cooper correct what they did. I have talked to 10 different customer service reps, received multiple conflicting responses ; most recently 2 weeks ago when I was told they they would correct the problem and remove the modification in '3-5 days ' only to be informed after the 5th day, the modification request " had been rejected '' with no explanation as to why. I was then told the process had to 'start over again ' ( on or about XX/XX/XXXX ). I have emailed and called the 'dedicated customer service ' rep I was supposedly assigned every day ( as well as email ) for an update on this status only to receive ZERO response providing any status as to this request.

This is one of the worst customer service experiences I think I have ever experienced. Mr. Cooper was able to place this loan into the program I did not request in a day yet 5 weeks have gone by and one of the largest mortgage servicers in the US is unable to reverse this mistake. 

This issue has seriously impeded my ability to secure other financing and it is going to probably cost me $ XXXX to seek an alternate solution for something Mr. Cooper SHOULD have resolved 4+ weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
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:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$520.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
First Instance Requested payment through XXXX online banking XX/XX/XXXX Payments to Amex are 2-day electronic XXXX said went out of my account XX/XX/XXXX at XXXX ; Transaction ID XXXX XXXX said it was received by Amex on XX/XX/XXXX at XXXX XXXX Amex credited it to my account XX/XX/XXXX ; it was due on XX/XX/XXXX Resulted in a {$29.00} late fee and {$55.00} interest charges Second Instance Requested payment through XXXX online banking XX/XX/XXXX Payments to Amex are 2-day electronic XXXX said went out of my account XX/XX/XXXX at XXXX XXXX ; Transaction ID XXXX XXXX said it was received by Amex on XX/XX/XXXX at XXXX XXXX Amex credited it to my account XX/XX/XXXX ; it was due on XX/XX/XXXX Resulted in a {$40.00} late fee and {$19.00} interest charges I have talked with XXXX and downloaded the Proof of Payments. By the way in XX/XX/XXXX XXXX changed the Delivery Method to 2 business day electronic. Prior to XXXX it was a 1 business day electronic delivery. 
I have talked with American Express. They say the charges are valid and I don't spend enough on the credit card for them to forgive the late fees and interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I have a VA 30 year fixed loan with Carrington Mortgage Company at a XXXX interest rate. On or bout XX/XX/2020 I spoke with an agent to discuss a VA IRRL loan for 15 or 20 years. She sent an email to start a refinance application for a 25 year mortgage, they ran our credit reports and offered us a 25 year IRRL Refinance at 2.75 percent withe credits for the various charges outside the principle. We did not want to enter a longer agreement than we owed so we asked for a XXXX or 20 year loan at XXXX withe the same terms that were initially presented to us. We were told that the payment for a 20 year mortgage would be {$20.00} more a month than our previous payment and therefore does not meet one of the stipulations of the IRRL which would be to lower your monthly payment. Because they would not offer us a 15 or 20 year refinance we stopped the application process.I feel that the reason we were denied the 15 or 20 year refinance at 2.75 with the added incentives was not offered because they wanted us to enter into a 25 or 30 year loan. We received a statement of credit denial, termination or change dated XX/XX/2020 and they had the term of the loan as 20 years which we would have accepted initially.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : LVNV FUNDING LLC ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2021 Balance : XXXX Reason : Identity theft Please remove it from my credit report

Company response to consumer: Closed with explanation