BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-31
Company: DISCOVER BANK
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied for a personal loan to remodel my home for {$35000.00}. They asked for bank statements to verify my employment and I provided three months clearly documenting my payroll. I make over {$300000.00} per year and have a FICO score of XXXX so I thought I would be easily approved. 

They said that my bank statements were not acceptable since the payroll goes to a trust account like many people in my position being over XXXX. So they asked me to send our 2019 tax return, which I did. After some time I followed up and they reviewed my tax return and then asked for my bank statements which I reminded them that the already had. 

They denied my loan because they were " Unable to verify Income. '' " Documentation you provided is incomplete/unacceptable. '' That's unbelievable. 
They wasted my time and I truly believe they were Phishing for data on me and my family for resale purposes and never were serious with the offer. 

Please help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX was originally debt collectors and account was sold to XXXX XXXX. XXXX sent a letter to me XX/XX/XXXX stating that they ceased all collection on behalf of XXXX. The account was later sold to another debtor which is XXXX XXXX. I have attached credit reports from XX/XX/XXXX showing XXXX was the current collector and now in XX/XX/XXXX was sold.

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 2020-06-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
USAA HAS NOT CORRECTED ERRORS FROM XX/XX/2019 STATEMENT. ** MERCHANTS JUST REFUNDED CREDITS XX/XX/2019 HOW COULD THEY POSSIBLY BE NEW PURCHASES XXXX??? See attatched XXXX XXXX XXXX XX/XX/2019 {$200.00} & {$280.00} REFUNDED NON DELIVERIES. See attatched XX/XX/2019 NEW PURCHASES {$200.00} & $ XXXX I DID NOT AUTHORIZE TO PURCHASE OR BUY BACK. USAA DOES NOT CORRECT BILLING ERRORS OF 2019.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Village Capital & Investment LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
It was identified on XX/XX/XXXX I was due to be paid excess in escrow account, it is now XX/XX/XXXX. It has been 58 days total with no check in sight. I have contacted my servicer Village Capital & Investment LLC 2x around the 30 day mark and an additional amount of times after. They keep saying it should be there at the end of the week. This is blatant misinformation. This is a check in excessive of {$5000.00}, that should be paid. At this point it should be paid with a late fee given that its gone over the mandatory time frame for repayment. They are stealing from me with an interest free loan of {$5000.00}.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and there is a XXXX account on my credit that I had called XXXX and closed due to it being fraudulently opened. XXXX agreed to close the account due to the identity theft. I requested for Transunion and XXXX to remove the account from my credit report however, it is still somehow there. I need this fraudulent account removed from my credit report as soon as possible considering the fact that I closed this account due to identity theft. Please remove this account from 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 non-monetary relief
Consumer complaint received 2023-01-11
Company: Roadrunner Account Services, LLC
State: NY
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:
On XX/XX/XXXX I disputed a loan that is still showing on my credit. The loan has been satisfied since XX/XX/XXXX. The vehicle has since been sold and registered to someone new. 

The loan amount still showing as of XX/XX/XXXX is {$4800.00}. Last payment shows as of XX/XX/XXXX. Account shows as pays as agreed I have disputed the loan as being incorrectly reported. I reported to the 3 credit bureaus and to the company the loan was from. All of this took place in XX/XX/XXXX. To date it has not been updated or removed and is preventing me from obtaining a mortgage. I have also requested my attorney contact as well but no progress has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: EQUIFAX, INC.
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:
These accounts are fraudulent accounts : XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$430.00} XXXX  XXXX  XX/XX/XXXX {$750.00} XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: Navient Solutions, LLC.
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:
SALLIE MAE reported to XXXX that I am 90 days past due on XX/XX/XXXX. This can not be true because I applied for a forbearance due to a hardship to cover me. It covered XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. For some odd reason, XX/XX/XXXXis past due. The forbearance should have covered me for XX/XX/XXXX. I filed a dispute online with XXXX on XX/XX/XXXX. On XX/XX/XXXX, the updated information doesn't show the 90 days past due information deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
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 status incorrect

Complaint:
I have two collections on my report that are NOT mine. I do no owe XXXX XXXX XXXX ( Account XXXX ). It is being reported on my Experian report as in collections. THIS IS NOT MINE. I had no balance. After I moved out. I have contacted experian and XXXX  to remove several times. XXXX  removed from my credit but not the other two agencies. This is beyond frustrating. I moved out of an apartment years ago and I had a XXXX balance. This is the only derogatory thing on my credit. This charge on my credit should not be there. I have proof that XXXX XXXX  removed it from my credit report. Please help. These buildings attempt to scam and make up things after you move out. If anything they owed me my deposit! I moved out the place was clean. I lived in a XXXX XXXX XXXX XXXX  alone! I didnt even wear my shoes in the apartment. It was spotless! I had no company over. There is absolutely no reason that I should be have some type of fee. THIS IS NOT MINE.

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 2021-01-23
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH
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:
AS shown in the attached photos, an account was deleted because it could not be VALIDATED! WAKEFIELD & ASSOCIATES had put the account back on my credit report under another corporation name ( REVENUE RECOVERY ) and got caught with their FRAUDULENT ACTIVITY! So now they put the account back on my report and changed the account number and put it back under their own name ( WAKEFIELD & ASSOCIATES ) which proves that they know that was ILLEGAL TO DO and which is AGAIN FRAUDULENT ACTIVITY!!! This is unacceptable! I AM A PROTECTED CONSUMER!!! I have attached proof of their fraudulent activity! The account circled in green is proof of the account being deleted and the other account that is circled in black is the same account with a new account number! ALSOXX/XX/XXXXIS IN VIOLATION AS WELL!!! THEY TOO ARE INDULGING IN FRAUDULENT ACTIVITY!!! THEY ARE IN VIOLATION OF 15 U.S.CODE 1692B AND 15 U.S.CODE 1692G

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Experian Information Solutions Inc.
State: SC
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 list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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.

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 2018-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited accidentally to my Bank of America account a check from my XXXX account for XXXX dollars. The XXXX account was closed recently before this transaction. After deposit the check on the atm I made a cash withdraw for the same XXXX. I just simply had messed up. But, when I realized that the XXXX check didnt clear and I was negative in the Bank of America account, immediately I made a deposit in cash to bring the balance back to positive. 
But- they closed my account and report me to check systems for fraud not able to open another for 5 years. If a moment of not thinking cost me this situation Im in, how about those banks which American citizens had to bailout their debt in XX/XX/XXXX? What I should had done?

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 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 non-monetary relief
Consumer complaint received 2018-05-08
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My father filed for bankruptcy last year. When this happened access to my student loan account was taken away because he was a cosigner on the account. When I submitted a cosigner release for it took them several weeks to get back to me with a decline. They told me it was declined because it was in bankruptcy but I am not the one in a bankruptcy, my father is. The only way to make payments now is to call in every month and I don't even know how much I owe. They also continue to accrue interest on my loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08
Company: SN SERVICING CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom this may concern, I am in the most unjust situation. This is actually the second time I have complained and nothing was done. I have proof that I was given a loan modification with all the escrow built into the loan, with my rate and I paid Home Owners Insurance through my HOA. So after I refinance by accepting the loan modification ( we fell under hard times but recovered ), they then sell my loan. The new company was fine, but they kept asking me to provide insurance proof and I did, but it did not go through, so they placed lender placed insurance on my house. I then appealed and proved I had HOI through my HOA, even though it was exceedingly difficult. Then they said they accepted my insurance, but then sold my loan to my current company, SN Servicing Corp. 

Ever since SN Servicing Corp took over my loan, they have destroyed my credit! My last lender evidently did not resolve my unnecessary escrow balance for unnecessary insurance, which I provided the proof I didnt need. 

They then tell me I somehow still owe them for the escrow imbalance that they inherited from my last company. You would know this because I had always paid my escrow through my lender and I did not need insurance, so there was no escrow balance. It was from the last lender 's misunderstanding and we fixed it and I should have been given a credit. Nonetheless my new lender said I had to pay {$900.00} and I did. Then they said I owed {$1500.00} and my payment would go up a little over {$200.00} a month for " taxes '' increased, which is impossible, because I checked with my city hall. You mean to tell me I am supposed to pay {$700.00} a month in escrow just for taxes and mortgage insurance ( because I dont pay HOI through escrow, I pay through HOA ) when before it was never more than {$300.00} at most. 

Yet, I had been paying my new proposed payment which increased by over {$200.00}, yet because of this unjust and unnecessary escrow imbalance, they now say I owe over {$8000.00} to be current! This is insane! This is not fair! I have documents to prove all of this. My credit is being destroyed and becoming indebted beyond being able to catch up, all while never missing a single payment and even paying the increased monthly payment of over {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: AES/PHEAA
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I work for a public employer ( XXXX XXXX   XXXX  ) and am enrolled in the Public Service Loan Forgiveness program. I submitted documentation to XXXX XXXX  on XX/XX/XXXX ( an Employment Certification Form ) showing 95 months of qualifying employment. These months have not been credited. I have called multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) attempting for find out why this extensive amount of employment has not been credited. Each time I was told it was " in processing '', " under review '', etc. Basically, the runaround. I have also submitted documentation for an additional 11 months. 

Because they refuse to review the documentation submitted per their requirements on XX/XX/XXXX, I am unable to get relief. I am now approaching 120 months of qualified employment and should be eligible for relief under this program. 

I would like for them to review the employment certification submitted on XXXX/XXXX and credit me for those months of qualified employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2021-10-07
Company: JPMORGAN CHASE & CO.
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I DID NOT apply for a Chase Credit card i get a letter saying they need more personal information from me.. they need copies of drivers license or other government ID or passport or marriage/divorce certificate a social security card copies of all utility bills water, electric, gas, sewage, cell phone, internet or cable bills and last 3 copies of paystubs?? Basically my entire life they want me to mail to them?? NOT happening! I did a XXXX search on the phone number lots of people complaining of fraud and the call takers asking for all this info be sent to them? Their hours are only XXXX? seems strange for a large credit card company. I would like this checked out please?!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05
Company: Experian Information Solutions Inc.
State: NY
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 have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2023-01-11
Company: Experian Information Solutions Inc.
State: AL
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2020-07-09
Company: EQUIFAX, 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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Unifin Inc.
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I recieved a letter from Unifin, Inc. indicating I had a past due account. They are attempting to collect a debt that the statuate of limitations has expired. They have represented in a deceptive way that the debt is still owed. They have placed the notice that the statuate of limitations has expired on the debt on the back of the first page of their letter. They further have placed the print indicating that there is a second page in an area that makes it easy to not notice it. This is very obviously an attempt to comply with the law while attempting to conceal important legal information from consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Exeter Finance Corp.
State: AL
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/2023 Exeter Finance llc Information is being reported inaccurately and has disputed the report and still appears XXXX balance but reported negative

Company response to consumer: Closed with explanation