BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-30
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: Investigation took more than 30 days

Complaint:
My student loans  are with XXXX. I have always made my payments on time. For whatever reason, there are late payments on my credit reports. As you can see in the letters I attached, I've always had great payment history with these accounts, then it randomly shows XXXX  days late the next month after on-time payments. This simply isn't possible. I tried contacting XXXX, TransUnion, and XXXX, but none of them have responded to my request. I have highlighted the clear errors in their reporting in my 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 2019-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX has reinserted 3 accounts ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) that were previously deleted and didn't notify me after years that the accounts were being placed back on my credit report.The XXXX XXXX XXXX XXXX XXXX accounts were reinserted earlier in the year and the XXXX XXXX XXXX account was reinserted in XX/XX/2019. XXXX  was required to advise me that the accounts were being reinserted but never did. XXXX has repeatedly done this over the years and I have submitted several requests to remedy this situation.

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 2022-08-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XXXX XXXXusaa returned check to XXXX XXXXXXXX when the balance fell below the amount check was written for. They have also admitted to stacking charges and ordering checks and debits from smallest to largest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: EQUIFAX, 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:
To whom may concern, I would like to know how are you verifying these accounts when there have been several of data breaches with XXXX, XXXX, and others. Due to these breaches I have grounds to class action lawsuits which I prefer just to get the items deleted. Also humans in the flesh can not have accounts ONLY accounts stated and ONLY businesses can have accounts. Please remove these accounts immediately due to they are illegally reporting on to my report. 

XXXX XXXXXXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
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:
XXXX REFUSES TO VALIDATE AND REMOVE AN INCORRECT REPORTING BY XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2017-12-08
Company: Midwest Recovery Systems
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
According to Tennessee state licensure verification, Midwest Recovery is not licensed to collect in the state of Tennessee. I have requested a wet ink signature, by me, for this debt and verification to collect a debt in the state of Tennessee. Neither have been received. I am requesting removal of this collection from my credit reports so that I can continue my quest of home ownership. Original request for verification was sent certified mail and received XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Date:XX/XX/2018 Amount : {$100.00} Debt Collector : Transworld System Inc Creditor : XXXX XXXX XXXX XXXX They mailed a letter saying that I missed a toll or so they said because they had my address incorrect in there system. I never received the mail. They then send another notice which I received and called them. They admitted they had the wrong address in the system. They however did not take off the {$100.00} penalty. These actions are unlawful and demeaning. I called several times and everyone I spoke to is so rude and does not want to help me out even tho I have an XXXX XXXX in good standing and never had an account issue. Please help me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: EQUIFAX, INC.
State: FL
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 reported all of these inquiries to the following Credit Reporting Agencies, XXXX XXXX and submitted info related to fraud on my account with the illegal use of my Social Security No., and asked that all of the hard inquiries be removed from my credit report, as these are impacting my credit score, and are being illegally reported on my credit report. 

However these Credit reporting bureaus have refused, and completely refused to remove these erroneous inquiries from my report. 

The following inquiries are on my report and these reporting agencies refuse to take them off. 

XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX / XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26
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 recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically get approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report : XXXX, XXXX, XXXX XXXX XXXX IXXXX. Also there are inquiries on my report I did not authorize as well : Company Inquiries XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased a new vehicle in XX/XX/XXXX or XX/XX/XXXX. The car was financed through Santander Consumer USA. I am not sure what kind of financing practices they use, but after 5 years, and seeing that the principal was still extremely high, I decided to just let the car go back because there was no way I would be able to pay it off. The car was originally around {$24000.00}. After 5 years, the payoff was still over {$20000.00} as of XX/XX/XXXX. I believe their finance practices are illegal and so I am reporting them at this time. In XX/XX/XXXX, I tried to trade the car in but owed so much that the dealership told me to keep it. At the time I attempted to trade it in, the value was only between {$8.00} to 10,000.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been attempting to reach a resolution of this mortgage for several years. In XX/XX/XXXX, I was approved for a trial modification, which began on XX/XX/XXXX. I made monthly payments pursuant to the trial modification in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, as well as XX/XX/XXXX. I was able to make these payments without any financial hardship. I would continue to be able to make these payments if the lender were to allow me to do so. 

In XXXX XXXX, I received a letter from M & T Bank ( the servicer for my loan ) dated XX/XX/XXXX. This letter advised me that my request for mortgage assistance had been removed due to liens or judgments that [ I allegedly ] did not satisfy. After speaking with M & T Bank, I learned that this action was being taken because they had not yet received the quitclaim deed from my ex-wife for the property. The difficulty in getting this to the bank was not due to my own neglect. Nevertheless, after learning of this action being taken, the lawyer who represented me in my divorce was able to expedite the execution of the quitclaim deed, which was promptly sent to M & T Bank. 

By the time the quitclaim deed and divorce decree were sent to M & T Bank, they required me to resubmit a loan modification application. I complied with this request. On XX/XX/XXXX, I learned that I was now being denied for a loan modification. I called M & T to inquire as to why. They explained that they analyzed my application based on my XX/XX/XXXX income. The fact is that in XX/XX/XXXX, I worked fewer hours, and the monthly income is not a fair representation of my usual earnings. M & T Bank was aware of my yearly earnings, yet based their analysis on a limited snapshot that did not properly reflect my earnings, and thus my ability to pay this loan. 

I think it is entirely unfair that M & T Bank offered me a trial loan modification, which I successfully paid without difficulty ; withdrew my request for assistance due to a missing document, which was missing through no fault of my own and which was promptly provided to them ; analyzed my additional request for mortgage assistance based on a time period that was not properly reflective of true earnings ; and then denied my request on the basis of this limited time period.

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 2017-12-08
Company: Ad Astra Recovery Services Inc
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested verification on the alleged debt AD Astra Recovery Services , Inc is attempting to collect on. 
I called the company on XXXX/XXXX/2017 and requested verification along with the original lender 's information, so I may investigate the debt said owed. 
I also requested a copy of Ad Astra Recovery Services , Inc 's license number to verify if the collection company had the legal right to collect in the state of TN. 
I was told by the representative I do not need to know that information and he was not obligated to give me information on their license to collect. 
He also told me Ad Astra Recovery Services , Inc is licensed in all 50 states. I have learned the company is not license in the state of TN. 



This account was added to my credit report and I was not provided the information I requested to validate the said debt. 

This collection agency is not license to collect in the state of Tennessee. 


Please assist me in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX started a mortgage with Washington Mutual for a mix use property, this a commercial mortgage with this being our primary residence / owner occupied. the mortgage was sold to another bank before lastly Chase Mortgage holding it for the last approximately 9 plus years. The mortgage had a balloon after 12 years as originally written for {$590000.00} that matured on XX/XX/XXXX. We never missed a payment as well as our taxes and insurance. We always keep up on the maintenance of the house and the property. When it was time to pay the balloon payment Chase Mortgage told us that the " property did not fit their business plan. We bought your mortgage in a portfolio. We won't refinance your home. '' We thought it was implied that since we are in good standings in every area that Chase would refinance the balloon. We kept paying Chase after XX/XX/XXXX until XX/XX/XXXX Chase stopped taking our payments and returned our payments and are hitting us with legal fee of over {$40000.00}. We are in forbearance with foreclosure proceeding being threaten by Chase Mortgage if we don't find a new mortgage.We feel that we have been discriminated against and red lined in the process of trying to obtain a new mortgage for this property. I can not see any other reason why Chase Mortgage will not refinance this loan. Please help we are going to loose our home and our investment. My wife is sick over this. 
Thank you Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Between XX/XX/XXXX-XX/XX/XXXX of this year, an account from XXXX XXXX appeared on my Credit Report saying I am a co-signer on a Business Loan for XXXX XXXX XXXX. This Business is non existent. I am not affiliated with this company. I reached out to XXXX XXXX to get further information about this debt to see loan documents/and or Validation to see why this suddenly appeared on my credit. I have never made any payments to this company, but someone has been who I do not know. XXXX XXXX refuse to give me information and referred me to speak to XXXX XXXX XXXX, a debt collection company. I reached out to them, and they can not validate the debt either, or give me information pertaining to the loan. I am a victim of fraud and I need this removed from my credit immediately.

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 2019-01-30
Company: World Acceptance Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
XXXX, the rep who continuously calls and leaves multiple messages a day on my cell, work, and references phones is completely harassing me. Ive mentioned to him before Im unable to communicate during working hours and that I am also attempting to readjust due to other financial issues from mid last year. Personal information about my business with this company was given out to one of my references discussing my loan information that I did not advise was ok between representatives with this company which is a direct violation of my rights and as I understand it, gives me legal rights to pursue legal litigation due to this violation concerning disclosing my private information of the contract between this company and I. Due to the extraordinarily frequent contact, I have been professionally reprimanded on several occasions for the constant calling and messages. Furthermore, several friends and family members have advised they have asked for them to cease contacting them but theyve refused to do so. I also asked him on our last conversation not to call my employer due to this but yet he continues to call my extension almost daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have american express personal platinum card XXXX, which has XXXX points which I would like to transfer to airline partner as advertised by AE. 
I kept getting this message : This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. 

I have the card for a long time, and I believe this action from AE prevented me to transfer points and use points for airline at a timely manner. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-06
Company: SYNCHRONY FINANCIAL
State: MO
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:
XX/XX/XXXX I filed Chapter XXXX bankruptcy. I was not late or delinquent on any of my accounts during this month. I was actually only late on 2 accounts in the past 7 years. JCP reported my account negative XX/XX/XXXX, the month I filed Chapter XXXX. 

I filed a dispute through XXXX  and they changed my highest balance to {$0.00} and changed my late payment date from XX/XX/XXXX to XX/XX/XXXX( this part is accurate ) but left the negative mark on XX/XX/XXXX. 

This is showing as a negative account on my credit report and is absolutely not correct I was not late/negative/delinquent at all in XX/XX/XXXX and it should not be reporting negative. 

My reports do show " Debt included in or discharged through bankruptcy chapter XXXX, XXXX, or XXXX '' however the negative reporting on any months where there was no late payment made should be removed. 

I am attaching copy of my credit report for XXXX/JCP to show what I mean by negative payment history.

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 2019-01-30
Company: Selene Finance LP
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our deed and mortgage was recently sold by XXXX XXXX to XXXX XXXX XXXX XXXX and is being managed by Selene Finance. Selene Finance conducted an assessment of our property and determined a Broker Pricing Opinion ( BPO ) of $ XXXX in mid-XXXX. A contract was submitted for XXXX based on the BPO and XXXX XXXX/Selene countered the contract for $ XXXX. Due to this unfair and unreasonable counter, the buyer cancelled the contract. We have been through the ringer for the past several months trying to work with XXXX XXXX/Selene on a short-sale to establish a " dignified exit '' and avoid foreclosure. They have created unfair and unreasonable roadblocks every step of the way to discourage buyers to back out. It can be perceived that these acts are being done intentionally with the goal of foreclosure. We currently have another ratified contract that has been submitted to XXXX XXXX/Selene for consideration in the amount of $ XXXX which is well within the BPO that they came up with. I am asking for your help to please investigate these unfair business practices and support the negotiation of a fair and just short-sale sale agreement. Please advise if you require any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, I received a letter AND a phone call from Portfolio Recovery Association claiming I owed {$420.00} from XXXX XXXX. I asked for proof of what was purchased at that time and they said they couldn't provide the proof because the debt was from XX/XX/XXXX and " their records don't extend that far. '' I then said that I would like to report theft and to please send me an identity theft form to fill out, which they agreed to do. Four days later, I get the same letter I received the first time with no identity theft form to fill out and the phone calls still continue. From XX/XX/XXXX to XX/XX/XXXX I have been receiving calls from different numbers from Portfolio Recovery ( at least 2-3 times a day ). The phone calls got so out of hand that I ended up having to cancel my landline because of Portfolio Recovery 's constant phone call harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-01
Company: American Student Assistance
State: NH
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:
XXXX parent plus loan..paid on time for 5.5 years..bills stopped. 
XX/XX/XXXX2018. Found a new ffel CONSOLIDATED loan done online in my name I did not initiate now getting IRS OFFSETS tis how i found out..ruined credit..3 months of different collection groups..tid bits of info..i requested a computer address of the loan..no info i requested a discharge got denied

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