BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 just received notification today, XX/XX/XXXX, from XXXX   that XXXX pulled my credit file ( FRAUDULENTLY ). This is the second time in the past 5 months this has happened. On XX/XX/XXXX XXXX FRAUDULENTLY allowed my credit to be pulled. I have attached a previous CFPB complaint with XXXX and a letter from XXXX verifying it was fraudulent. I have attached my complaint letter directly to XXXX telling them it was fraudulent as well, and to NOT extend credit in my name without verifying my identity. After this happened I filed with the FTC as a victim of identity theft ( see attached ). There is also Fraud Victim alerts placed on all my credit files with the 3 major credit bureaus stating to contact me at my phone number to verify my identity ( see attached ). XXXX did NOT do this and pulled my credit file with out my permission or consent again. These inquires are ILLEGAL. Remove the fraudulent inquiry from my file immediately or I will file suit. I already have a consumer protection attorney, who I will be contacting immediately regarding this issue, due to previous identity theft.

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 2018-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 called the credit reporting agency and companies to express i never authorized the inquiries on my credit report and they failed to remove them off my credit. The following inquiries are for the dates as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Nexera Holding LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hi there, I have a mortgage broker who reached out to NewFi prior to submitting the loan to them for a cash out conventional ReFi. The process started on XX/XX/2020 when the loan manager at NewFi stated they are a " No Nonsense '' lender. The broker asked for all the necessary mortgage info ( W2 's, utility bills, tax returns, etc ). We submitted everything. Now, I'm not sure on SOP for banks but they seemed to only respond to us every 14 days without giving much info or a conversation. What got to me was the banks ability to mishandle documents. We submitted our W2 's / Tax Returns four times with them, which has me worried that they are mishandling our documents with all of that sensitive information. The straw the broke the camels back for me was the 4th time asking in XXXX for information we sent in XXXX. They basically told our broker after that they find our loan too risky ( despite meeting all requirements, having perfect credit, etc ) and that they will not submit an official denial of the loan, that they'll continue to stretch this out and ask for random items. It felt melicious and that they were agists to us given we are a young couple purchasing a home. I feel they were judging my fiance because she is XXXX as well. Always commenting about how the income is from XXXX, etc. She is an American citizen, bottom line and that should not be of concern to them since we file tax returns in USA every year. 

I tried calling NewFi myself to file a complaint and the secretary mentioned there is no way for me to make a complaint. I asked for a leadership position and she mentioned that there is no way since no one is in the office. I asked for her to send my number to someone and about four hours later, I called again, told her I really needed to speak to someone and she said she'll send it through. Someone called eventually and this guy basically was a brick wall. I couldn't get anything out of him, no empathy to the situation at all, just said I have to talk to my broker. I told him the broker can't get a response out of the loan managers unless there's a full moon out ... 

The whole process was a waste of time when we could have been filing with an organization that would fund the loan at another bank. They however deliberately wasted out time, mishandled documentation, unprofessional, horrible SOP, and bad leadership team. Their communication policy needs a serious overall and I want to complain about anger they have put us through. We were always professional, responding with request within 24 hours and wanted to help push this along. It seems to me the banks are more than willing to take the money from the Fed at a cheaper interest rate but aren't interested in funding loans and will make up excuses to not fund them ( just like what happened to us ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Stenger & Stenger, P.C
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In XX/XX/XXXX I was informed by a mortgage lender that there was a judgment on my public record for {$2500.00} that was filed in XX/XX/XXXX. After researching to see what it was from, it was determined to be from XXXX XXXX. I had no knowledge of this at that time and wasnt given the opportunity to appear in court. 

I had been paying XXXX XXXX directly and made a final payment in XXXX of XXXX. However, they are also still reporting it as a collections account for {$160.00}, but never informed the court that payments were made resulting in inaccurate information on my public record. 

Currently, I have this double reporting for the same debt in two different amounts and the collection agency ( Stenger and Stenger ) has not responded to verbal or written requests to resolve this, by updating the court and/or providing me with current documentation, which is preventing me from closing on a home during a highly competitive market and putting me at risk of losing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: FIRST CITIZENS BANCSHARES, INC.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello there, I signed up for a promotion that was mailed to me from First Citizens Bank. I am a resident of the state where the bank resides as well. 
The promotion was, " Earn {$300.00} when you open a Free checking account bundle and complete the following requirements : Establish a direct deposit of at least {$1000.00} per month OR make 10 debit card transactions within 90 days of account opening Enroll in eStatements Open a new savings account Within 120 days after all qualifiers have been met. The account must be open and in good standing at the time the bank credits the account. 

I have met all the qualifications. I opened my account in XXXX and met all the qualifications by XX/XX/XXXX and I haven't received the bonus. I called the bank three weeks ago to inform them of this and they haven't returned my phone call. 

I can provide my banking information to the company separately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-22
Company: AES/PHEAA
State: TX
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:
My student loan was transferred from XXXX XXXX to American Education Services. I received a letter saying that the loan would be transferred. The day after that date I logged into the American Education Services webstie ( www.AESsuccess.org ) but I couldn't see anything, I contacted their customer service and was told it would take 72 hours, at most, for the information to be uploaded and that I should check back on XX/XX/XXXX. Today, on XX/XX/XXXX I tried to make another payment and still could not see my loan information. Again I contacted customer service, and again they could tell me nothing about my loan other than that they were working on it and that it would take until XX/XX/XXXX. When I inquired if that date was certain or if it might take longer the customer service rep basically responded with " it might take longer '' and that I was not the only person who had a loan transferred from XXXX XXXX to American Education Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: MECHANICS BANK
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Mechanics Bank finance the XXXX XXXX I purchased in XX/XX/XXXX, from XXXX XXXX XXXX. My initial payment was due on XX/XX/XXXX, wherein, I paid the contracted payment of {$730.00} I also made a Principal Payment of {$1700.00}. 

The Principal Payment was applied incorrectly as evident by the XX/XX/XXXX statement which shows no payment due moreover, the XXXX statement does not reflect any reduction in the principal amount XXXX {$38000.00} XXXX. The XXXX statement requested a payment of {$420.00} which was not credited to my account, this further confirms that the Principal Payment made on XX/XX/XXXX, was applied to Mechanics Bank Interest. 

Mechanics Bank refuses to correct the obvious error and has erroneously reported to the credit bureau XXXXalse information and has destroyed my credit. Mechanics Bank has been aware of this error since it was made and has refused to correct it or communicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I started using heartland payment systems company for my XXXX business onXX/XX/XXXX, normally I should receive my money in to my bank no more than 24 hours, but they hold my money over 20 days, until I found out it on XX/XX/XXXX on my online banking and called them. in the past 20 days no body contact me about this happen, I was very shock.i don't know who took my money in the past 20 days. I been talk to them many time to get back my money, they keep lie to me said tomorrow than tomorrow again, my business checking account been negative, not enough money to run my business, I wait for almost a week to get my money back, also they didn't give me a final answer what is going on. the money sent back to me was not very clear, and not correct. ( heartland customer support XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: Experian Information Solutions Inc.
State: NJ
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: Problem with personal statement of dispute

Complaint:
XXXX reporting inaccurate information

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 2016-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I applied for an auto loan with XXXX XXXX which was denied. The stated reason was that they were unable to resolve the fraud alert on my Transunion credit report. My denial letter indicated I could get a free copy of my credit report from Transunion. However, I was unable to do so via either phone or online. When I contacted Transunion 's XXXX-based customer support center, I was told that there were inaccuracies in my credit report. In order to resolve these inaccuracies, I was asked to mail in a copy of my SSN card to a PO Box number. This seems highly suspect to me. 

I asked the call center support rep to send me a letter stating why Transunion could not send me a copy of my credit report ( inaccurate or otherwise ) but she said that she could not do so. 

It seems to me that if Transunion is able to detect a problem at its end, they should be able to fix it automatically without the intervention of the affected consumer. I am still unable to get a copy of 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 2020-11-13
Company: CBC Companies, Inc.
State: MN
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:
Innovis informed me previously by U.S. mail that they deleted the following fraudulent accounts from my consumer report : XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX/XXXX XXXX # XXXX. The fraudulent accounts are still listed on my Innovis Consumer Report. Furthermore, I requested for Innovis to Opt In for me to receive pre-approval offers for credit in the mail, and Innovis still have Opt Out on my consumer report. Innovis is in complete violation of the Fair Credit Reporting Act ( FCRA ) under federal law. Innovis is continuing to violate the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with Citi Mortgage on a 2nd loan modification for years now. I was in review for a loan modification, on XX/XX/XXXX, i faxed them over the only items they stated were missing which were paystubs and bank statements. On XX/XX/XXXX, i called in and spoke with XXXX whom confirmed that the the paystubs were received and she stated she would put in an urgent request to get the sale date postponed. I called again on XX/XX/18 and spoke with XXXX again who stated that the Asset Manager had not responded to the request yet but she would send another email and they would call me as soon as possible. As eager and concerned i became, i could not wait for a call back and called again on XX/XX/18 and spoke with XXXX. She stated that that they now need the XXXX form and the updated XXXX ( which was newly requested and never mentioned before ). The same day and i went onto their website, downloaded the forms and faxed them in to XXXX. I called back XX/XX/18 and spoke with XXXX who stated the XXXX i sent in was incorrect, i mentioned to her that it was from their website. She stated she would fax me the correct form so i can send it. As of today, i still have not received the correct form so when i called again and spoke with a XXXX, she proceeded to tell me that it was too late to send in the information and i had to do so 7 days prior to the sale date. I requested to speak with a Supervisor but she said there was nothing they can do. I dont understand how I can be set up in a way to lose my home. At this point, i just need help. Please, i beg.

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 2018-10-19
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a certified letter on XX/XX/XXXX stating that I owe a judgment to XXXX XXXX XXXX   DBA from the year of XXXX I don't know who I'm suppose to owe or why I'm suppose to owe them. Please help me to find out what is going on. Thank you very much. You can contact me XXXX XXXX at ( XXXX ) XXXX- XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Westwood Legal
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Westwood services called my mother threatening to come to my job if I don't contact them, They said they were delivering papers to my home, and kept calling from a restricted number, The number of the company is XXXX. The guy XXXX that I spoke with wouldn't provide their company info or their address. He would only try to lure me on saying that I owe a debt that I didn't owe. When I asked him to send the alledged paperwork in writing he became irrate. I don't owe the debt, and I wish they would stop harrassing me.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-20
Company: CURO Intermediate Holdings
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: Account status incorrect

Complaint:
This has been removed from my credit report and they keep using different collection agencies. The balance was paid in full. This also was a payday loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX placed a collections account on my credit report for all three credit bureaus in the amount of {$330.00} account ending in XXXX. I immediately contacted XXXX XXXX XXXX to obtain additional information on this debt because I was not notified by them prior to it being added to my credit reports. They informed me that it was a debt they collected from capital one bank and that I needed to pay it. I informed the representative that I was going to dispute the debt because I have no knowledge of a capital one account from XX/XX/XXXX and it was incorrect. I also asked why I wasn't notified by them prior to action being taken by their company, so I could address it prior to it hurting my score. I am currently in the process of finalizing my mortgage loan and this inaccurate account detrimentally affected my ability to obtain credit. She stated that they were not obligated to notify me of the debt because the original creditor already did in the past. XXXX XXXX XXXX has not provided me with any written notice of my debt or written notice of my ability to dispute the debt since my phone call which is in violation of several debt reporting laws. According to the law they have 5 days to provide me with a written notice stating this information. I want this account removed immediately due to their illegal debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: Experian Information Solutions Inc.
State: MS
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 have contacted XXXX, XXXX, and Experian several times via phone and online on numerous occasions in regards to inquiries that I did not authorize or I was not familiar with. I get the same results every single time and it is affecting my scores and it looks like I have been searching for credit opportunities which I have not. I am trying to purchase things and it has made it practically impossible to do when seeing places that I didn't acquire credit from. I have disputed and reached out to the credit bureaus on numerous occasion. I need the companies to send proof or validation or it needs to be removed immediately. 

The following inquiries were not authorized : XXXX XXXX x3 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 x2 XXXX XXXX XXXX XXXX XXXX XXXX x2 XXXX XXXX XXXX XXXX XXXX x2 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 2018-05-25
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a call from a collector named XXXX from XXXX. 

Stated was CS supervisor calling back to assist. 

This call is recorded, she simply harassed me when I was explaining my concern over figures from an bill XXXX-XXXX-2018 ; she began to say I was past due, which I am not. 

when I asked her to review the numbers she became argumentative- this is great fro a boiler room collector ; but, not to great when trying to resolve a problem with a number that the customer is confused with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-09
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Am Having a Problem with TD Bank charging me several Overdraft fee the problem started XXXX/XXXX/2015 There was a checked that was deposit into my account For The Amount {$34.00} and the checked was return due because they where no funds on the account so first TD Bank charges me and over draft fee {$100.00} wish posted on XXXX/XXXX/2015 and then they charge me another overdraft for {$35.00} Dollars on the account due beacuse of the check was not valid and they where no funds on the account am really fustrated of this scam td bank i been paying then overdraft fee for each transaction and they are not willing to cover or ajust the overdraft fee of {$35.00}

Company response to consumer: Closed with monetary relief