BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-06
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:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting 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 non-monetary relief
Consumer complaint received 2017-12-26
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
This complaint is in reference to Mortgage XXXX with Freedom Mortgage at XXXX. My calculations that Freedom Mortgage is over-escrowing for property taxes and has not responded to me request to pay supplemental tax bills from this overfunded account. I called initially for an escrow analysis on XXXX XXXX, XXXX and followed up on XXXX XXXX, XXXX and any again on XXXX XXXX, XXXX. In each interaction Freedom Mortgage refused to complete the escrow analysis citing concerns about needing to wait until XXXX. I believe this is violation of RESPA which requires a maximum escrow cushion of 2 months. I have logged my compliant with XXXX XXXX XXXX on 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 explanation
Consumer complaint received 2017-10-04
Company: SN SERVICING CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear Consumer Financial Protection Bureau, Please help I am about to lose my home because SN Servicing CorporationXXXX XXXX phone # XXXX ext. XXXX - XXXX  who refuses to provide me with a payoff statement in order for me to sell my home, it is over 2 weeks since I requested for a copy and all they do is keep lying to me stating that they need to gather information. 
Now I have a foreclosure sale date set for XX/XX/2017. 

I was forced to place my home on the market to avoid foreclosure because SN Servicing CorporationXXXX XXXX claims that my original balance went from {$39000.00} to {$80000.00} within 6 months. 

Now I have no choice to sell my home because SN Servicing Corporation/XXXX XXXX keeps manipulating the balance that way the sell of my home does n't go thru. 


This seems to me that SN Servicing CorporationXXXX XXXX is delaying this on purpose to foreclose on my home. I have done everything that they requested and its not fair to me and my family to be treated this way. 

We have a foreclosure sale date coming up on XX/XX/2017 and SN Servicing CorporationXXXX XXXX looks like all they want to do is taking advantage of my situation. 

I requested for a manager and she tells me that she is out on vacation and wont be back until the end of the year. 

Please help!!!! 


XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2021-06-10
Company: JPMORGAN CHASE & CO.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CC JPMCB - CARD SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX medical PROFESSIONAL XXXX XXXX XXXX XXXX XXXX XXXX UNIV MED CTR PHX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: EQUIFAX, 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:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
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:
Made payment and company still reporting as delinquent. Made payment XX/XX/XXXX files wrong information XX/XX/XXXX needs to be fixed asap

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am filing a complaint against XXXXXXXX XXXX ( credit card ). I have sent a debt validation letter to the company on XX/XX/XXXX. I sent this letter due to the fact that I do not have an account with them nor have I applied. I received a letter back from them asking for a copy of credit report along with letter sent on XX/XX/XXXX ( almost 2months later ). I was a little confused on why they would need this info. I then began to file a dispute to the Credit bureaus on XX/XX/XXXX regarding the issue and copies of documents that show that items were properly verified. I then received a updated copy of report with out documents requested attached on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX from all credit bureaus. Today XX/XX/XXXX I received a letter from XXXX on stating there is no evidence of fraud and that they are no taking action at this time. I have not had an account with them since XX/XX/XXXX. Which that account was opened by a parent under my name since then I have not applied with them. Im also having the same issue with XXXX XXXX. I have never had a card with them and they never responded to my dept validation letter. I will like to have this issue Rectified ASAP.  Please help get this taken care of it is affecting my credit ability. I have been affected by the XXXX data breach and have placed a freeze on all credit reports until I am able to get all issues resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
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:
I went to get financing for a vehicle advance. I was eager to go to the business until the vehicle sales rep returned into the room and educated me that he would not have been ready to make me account for any vehicles. This got me off guard I have consistently perceived the significance of having and keeping up great record. So I generally put forth a valiant effort to ensure I kept the entirety of my undertakings all together. So obviously I was loaded with various feelings when the sales rep educated me that I wouldn't fit the bill for any financing. These negative things being accounted for on my credit report are not my records. I request them be eliminated. This is maligning of character. This is likewise a FDCPA infringement 15 USC 1692d. Announcing erroneous things on somebody credit report adversely influences a shopper 's standing. FCRA 15 USC 1681 states that a purchasers credit report is the customer 's standing. In the event that these things are not eliminated quickly I will look for suit. I additionally gave proof to help that I was a casualty of the XXXX information break.

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 2017-07-26
Company: DISCOVER BANK
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Discover Card and a few other collectors keep calling my cell phone and my mother 's cell phone for my brother 's debt. I told them this is not his phone number, I do n't owe you the debt and to take me off the call list. They say ok and then they still call / harass, almost every single day. They even called us on Sunday XX/XX/XXXX back to back at XXXX XXXX XXXX XXXX and at lunch time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Today, I contacted Equifax in regards to my credit report because they are reporting inaccurate information. As I tried to dispute the information they refused to comply and help with the inaccuracies, I spoken with XXXX, who was in the corporate office in XXXX, XXXX She was very unprofessional, rude and left me on hold for over XXXX minutes while she pretend to assist me with my credit only to tell me that she could be of any assisted to me,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX made an arrangement with me for repaying loan. I made XXXX payment XXXX for XXXX dollars and the other was XXXX dollars. I received a threating letter saying because I was XXXX dollars short on my payment my account will be sent to a third party that will sue me for everything I got. Also the debt was XXXX now its XXXX and XXXX XXXX said if I made a payment every XXXX on XXXX I would be ok. Today I called and they begin threatening me and I said I was preparing to make a payment XXXX. They said I promised to pay the entire amount by XXXX which is a lie. Please help resolve problem my goal was to continue making payments until debt is cleared. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
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: Investigation took more than 30 days

Complaint:
I have failed to receive notice of investigation from the following XXXX bureaus : XXXX, XXXX, and TransUnion. The following credit report has stopped me from receiving funding and good character when applying for anything. Letters sent out on XX/XX/2022, since then i have received 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 non-monetary relief
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: CA
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:
on XX/XX/22 i sent a letter to transition disputing information for names and addresses that did not belong to me I never received a return information or respond meaning the credit bureaus are entitled to delete it permanently off my 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 2017-10-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to submit a fraud alert request online with Experian on XXXX/XXXX/XXXX. They ( their website ) said I could n't do that, but that I could mail my documents in or go to their upload page. I am the victim of identity theft and am wary of sending all of my important info through the mail, so I opted to do the upload. 

On the upload page ( XXXX/XXXX/XXXX ), I tried 5 times to submit documents that complied with their format requirements ( PDF or TIF ). Not sure why the PDFs did n't work. I submitted TIFs, and was told that they need to be in XXXX and white. I submitted TIFs in XXXX and white, and they continue to tell me that they are not in the correct format. 

There is no way to talk to a human being if you call Experian, and there is no email or chat assistance. This is incredibly frustrating for someone who is in the very stressful situation of having to deal with 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 non-monetary relief
Consumer complaint received 2017-10-04
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I am an employee of XXXX XXXX University, which has contracted with XXXX XXXX ( a XXXX XXXX affiliate ) to administer its Health Savings Plans. At their direction I opened an XXXX account in late XXXX in order for XXXX XXXX to receive my payroll deduction and contribute its matching funds. That worked without incident until XXXX of XXXX, when my payroll deductions ( and employer matching funds ) began flowing into a new account which XXXX XXXX opened for me, without my knowledge. 

I did not discover this until checks I bounced checks for which there should have been sufficient funds. After several calls and email efforts, I was unable to resolve this with XXXX XXXX, so I contacted my employer. After several requests for assistance, they finally explained that this was a common problem with XXXX XXXX, and had affected many employees in XXXX. At that point, in informed my employer of the potential fraud associated with creating second accounts ( XXXX XXXX was the example ) and that I felt it was both her and my duty to report this to the CFPB ). My university representative secured a promise from XXXX XXXX to contact me within two working days. It is now the end of the third working day and I am reporting their actions to the CFPB. 

I have yet to have any success speaking with a representative of XXXX XXXXk. I am a sophisticated user of financial services, currently have accounts with at least three financial institutions and hold a XXXX. in an XXXX discipline. If I can not resolve this, who can?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: COMMUNITY BANK SYSTEM, 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: Account information incorrect

Complaint:
I have contacted community bank regarding the validation of this debt and the accounting in question. I reached out to the collection manager, XXXX XXXX and I have not got a response, I have requested an original consumer contract not a photo copy and they failed to provide an original consumer contract with my signature and another signature by community bank they just provided me with photo copys, they stated that XXXX and XXXX are the ones handling the account I called and spoke to the president at the headquarters office located in XXXX New York & I was told to stop calling and stop mailing the about the account and they stated they have no business with me. By federal law a contract is binding with 2 wet ink signatures. I do believe the account is fraud because I did not give authorization without my permission to withdrawal from my account of treasury. They assured me they are not longer handling the account but they are still reporting to my credit account as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
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: Account information incorrect

Complaint:
XXXX received my signed physcians statement of permanent XXXX for the XXXX discharge application in XX/XX/XXXX, by certified mail return receipt. 

They received my signed statement in XX/XX/XXXX by certified mail return receipt that I had no income. 

XXXX still has my credit report showing I owe them large amount of money. Not recognizing or recording XXXX discharge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-17
Company: U.S. Auto Sales Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Us Auto Sales offers a referral program of {$200.00} for each customer that purchases a car based on you referring them. I purchased my vehicle in 2019 and referred a co worker who bought a car also and US AUTO has been giving me the run around and making false promises that the check is in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: AL
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:
In accordance with the Fair Credit Reporting act the following item ( s ) has violated my rights : 1 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 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 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 2021-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The reporting of this alleged debt violates 15 usc 1692. I requested for this debt to be validated in writing after noticing that this alleged debt was being reported to the credit agencies. I never received a written notice of right to dispute from the creditor which violates 15 usc 809 ( a ). Then after requesting the alleged debt to be validated ( not the contract ) I never received notice of the validation after the investigation by the creditor which violates 15 usc 809 ( b ). Instead of validating the alleged debt the creditor continued to collect on this debt which violates 15 usc 809 ( b ). The fact that my request to validate an alleged debt was ignored by the creditor is a violation of 15 usc 809 ( b ). This violates 15 usc 1692j, 15 usc 1605, and 15 usc 1. The handling of this alleged debt violates the FCRA, FDCPA, and causes defamation of character. This account and all info related to this alleged debt should be removed as soon as possible for all credit reports before I report this case of fraud to the FTC and CFPB. This alleged debt can not be validated by anyone other than myself and this is not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
This is the second complaint that I 'm filing about ECSI, the loan service provider for my Perkins Loans. I have to reapply every 6 months for financial hardship/forbearance, since my student loan debt burden is in excess of {$300000.00}. My Stafford loans are under an income based repayment plan, with a fixed amount due each month. The Perkins loans, however, have to be dealt with separately. Every 6 months I resubmit my financial information, asking for a forbearance or partial forbearance. Every time they email back, telling me that I missed something, knowing full well that I included everything they needed. Then, I have to resubmit all of my paperwork, and usually have to spend several minutes on the phone following up with the paperwork every week, until finally I get it approved. As usual, I recently mailed all of my paperwork for a partial forbearance request, and received an email stating ( erroneously ) that they did n't receive all of the paperwork. Recently, I obtained someone 's email address, who told me to scan my documents and email them to him, and he would process my forbearance request immediately. I also did this, and have n't heard anything back. 
I have done everything that I can to apply for a partial forbearance, using both mail and email as well as addressing it to a specific person who told me that he would help me. All of these efforts have resulted in nothing, and all that I want is my partial forbearance request to be applied. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Lending Club Corp
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I made my first payment on the XXXX of XX/XX/2021. I requested a due date change on the XXXX of the month to change my due dates to the last day of each month. I received confirmation that the due date was changed and my next payment would be due on the XXXX of XX/XX/2021 and that my term would be extended due to the increased days in between payments. To my surprise I found that additional payment had been drafted out of my account for the amount of {$140.00} on the XXXX of XX/XX/2021. This was not an authorized payment by me and is a violation of regulation E banking law. I requested a refund and the company has refused. I asked for my due date to be changed back so my payment would applied for XXXX. They refused and now state i must still make a payment in XXXX.

Company response to consumer: Closed with explanation