BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-01
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:
XXXX, Transunion and XXXX are reporting a private loan from XXXX   account number XXXX though the timeframe for the creditor is obsolete. According to the guidelines for a private loan, if you have private student loans, they should be treated like any other negative event, cycling off your credit report after seven years from the date of the late payment. XXXX is reporting that late payment started in XXXX to fraudulent keep this obsolete creditor on my credit file. I have never paid anything on this loan there for a loan that was originated in XX/XX/XXXX according to XXXX should be obsolete as of XX/XX/XXXX. XXXX claims they verified the loan, which I do not understand why an obsolete loan would require verification but since you XXXX  claimed XXXX  verified, I requested on several occasions the Method of Verification for verified dispute ( FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). I have also requested the name, address and phone number of the original creditor for verification. I am also requesting again the original opening dates of accounts and the entire payment history associated with the accounts. Also, XXXX is reporting a fraudulent balance on the account of {$72000.00} off of a {$33000.00} original balance which that is excessive and not correct. Also, they are reporting an address that I have never heard of or have been associated with COUNTY ATTORNEY XXXX XXXX, CT XXXX, I want it removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-22
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:
This started in XXXX of XXXX when I was hospitalized for 3 weeks due to XXXX. I had my wife contact XXXX XXXX and they promised to move my payment then turned around and reported it late. When I lost my job due to Covid they offered me a program that would save my cars so that I would not lose my vehicles and I accepted the program and they in return posted all the payments late while I was under a program that they offered. I wrote them several letters and disputed every late payment and they have refused to honor their program. I scheduled prepayments and they promised that the account would be secure and not reported late yet they reported each payment late. They have yet to respond to my request to remove them and it has grossly affected my credit and my ability to move and secure residence for my family. They can clearly see that I honored each payment and since returning to work in XXXX I have yet to miss a payment and I always pay more than the payment due. They even have a late pay that reported in XX/XX/XXXX and I have not missed 1 single payment since going back to work and both my accounts reflect current, up to date and timely payments. Please assist me in getting this matter resolved because all of my efforts has failed. 

XXXX XXXX Months to Dispute : XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Months to Dispute : XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX 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 2017-08-04
Company: Northern Trust Company, The
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
In XXXX XXXX 2017, I submitted online a bill pay to an individual for {$3500.00} via my account with XXXX, XXXX XXXX XXXX ; the check was issued on X/XX/2017 by Northern Trust. After the payee received the check & attempted to deposit {$3500.00} to her own bank account, her bank/credit union however could n't deposit the funds because of " Return Reason - Refer to Maker '' dated on XXXX XXXX, 2017. I opened a case with XXXX via phone call. I then received a call on X/X/2017 from the corporate office telling me that the check was cleared & issued as submitted ; later on the same date, I emailed XXXX the photo/file of the returned check : refer to maker that I received from the payee 's bank. On X/X/2017, I called XXXX & Northern Trust to find out why my payment to the payee was returned or stated 'refer to maker ', I was simply informed by agents at XXXX & Northern Trust that the check on X/XX/2017 was issued and I 'll receive a copy in the mail in a few days. I stated that we all know that the check was cleared on X/XX/2017 after my bill pay request, but both XXXX & Northern Trust did n't answer my question as to why the check was n't cleared by the payee 's bank returned nor to further investigate as to why the check was returned -refer to maker. For whatever the reason, the check is not good ; therefore, I 'd appreciate a sincere effort from both XXXX & Northern Trust to look into & resolve the matter. Should the old/bad check need to be voided and another check to be issued, please expedite the process as my payment to the the payee was way past due.

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 2020-12-10
Company: Experian Information Solutions 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:
I am requesting that you immediately delete information off of my credit report that isnt mine. I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions.

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 2020-09-09
Company: EQUIFAX, INC.
State: MD
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 Equifax numerous of times in regards to 13 inquiries on my report that I did not authorize. Equifax is reporting all of these inquiries and then are telling me that they are a statement of fact when they are not! They need to delete this information off of my report  before I'm forced to take things further with legal actions. That should not be how they do business by telling a customer that unauthorized and inaccurate inquiries are a statement of fact. It needs to be deleted! Creditor names and dates of the inquires are as followed : XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX   XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX   XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX  XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian, XXXX and XXXX are reporting a private loan from XXXX   account number XXXX though the timeframe for the creditor is obsolete. According to the guidelines for a private loan, if you have private student loans, they should be treated like any other negative event, cycling off your credit report after seven years from the date of the late payment. XXXX is reporting that late payment started in XXXX to fraudulent keep this obsolete creditor on my credit file. I have never paid anything on this loan there for a loan that was originated in XX/XX/XXXX according to XXXX should be obsolete as of XX/XX/XXXX. Experian claims they verified the loan, which I do not understand why an obsolete loan would require verification but since you Experian claimed XXXX verified, I requested on several occasions the Method of Verification for verified dispute ( FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). I have also requested the name, address and phone number of the original creditor for verification. I am also requesting again the original opening dates of accounts and the entire payment history associated with the accounts. Also, XXXX is reporting a fraudulent balance on the account of {$72000.00} off of a {$33000.00} original balance which that is excessive and not correct. Also, they are reporting an address that I have never heard of or have been associated with COUNTY ATTORNEY XXXX XXXX, CT XXXX, I want it removed.

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 2018-03-02
Company: NATIONS LENDING CORPORATION
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We bought our home in 2016 and financed with Nations Lending. On average we get about 2-3 letters a week from our mortgage company threatening us with foreclosure. 
Our mortgage payments are automatically deducted from my husband 's account. He is paid bi-weekly and may or may not have the entire payment in his account on the XXXX of the month, but always has it shortly there after. Basically, the mortgage payment is always made within 10 days of it being due. However, the letters keep coming. The mortgage company also sends someone to our home once a month to " survey our property ''. They always leave notes on the door that they have been there. We are never home because they come during the day while we are at work. 
This will be the 3rd home that I have purchased and I have never been treated this way by a mortgage company. 
The constant letters have caused problems between my husband and I. Whey they first began, I assumed he wasn't making our house payments. That created trust issues between us. Once I called the mortgage company and questioned them about this practice, I realized what they were doing. They were completely unapologetic and refused to refrain from sending the threatening letters to our home. Some times they even send them certified mail. I would go as far to say that what they are doing is harassment. To come onto my property and invade my privacy on a monthly basis should be illegal. What if I was in my backyard sun bathing in the XXXX by our pool? They should not be allowed to come onto our property without permission. And they should NOT be permitted to continue harassing us with threatening letters. I could understand if were several months behind on our mortgage, but we are never behind more than 10-15 days. I have tried to work this out with the mortgage company, but they refuse. They even tried to insinuate that we needed assistance paying our mortgage payments and suggested we apply for help. I no longer trust them and I don't believe anything that they tell me. The complaints against this company online are numerous. Apparently they do this to a lot of people. It should not be allowed.

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 2020-12-10
Company: EQUIFAX, INC.
State: PA
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/2020 I submitted a Dispute with Equifax, XXXX, and XXXX. In this Dispute I asked these companies to Delete the information on my credit report because they were not reporting 100 % accurately. I also Asked these companies to send me verifiable proof. On XX/XX/2020 I still Did not receive a response from the credit bureaus so I sent in another letter asking for proof of a investigation from the bureaus. and still there was no reply. I sent another letter out letting the bureaus know that they were violating my rights as a consumer by not responding to my request. It is now XX/XX/2020 and still I have not received a response from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, I had taken this loan in 2006. I was in dire straights to pay for college and took out this private loan. I initially borrowed {$5000.00} and besides the breaks from finishing my degrees and getting my XXXX, I have made timely payments. To date I have paid a total of {$9500.00} towards this loan and today I have a balance of {$4700.00}. 

I have reached out to the lender to discuss a settlement offer, which they denied. I believe there is some unfair interest practice associated with this Lender. The initial loan was borrowed from XXXX and now it is managed by XXXX. 

Please tell me there is something that can be done. I am very responsible with my debt and to date have paid off 2 student loans with 1 more to pay off by the end of the year. I also have Federal loan debt which is a burden all in itself. 

Any assistance that can be offered would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The car is reporting on my credit report as a repossession. We dont have any information on said car and would like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: NAVY FEDERAL CREDIT UNION
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: Their investigation did not fix an error on your report

Complaint:
Navy Federal Credit Union has once again failed to comply with federal laws and demonstrated bad faith in the handling of my auto loan. For several years the credit union fraudulently diverted payments to other accounts owned by me therefore the auto loan account became extremely delinquent. The original balance of the loan taken out in XXXX was {$5500.00}. NFCU charged off my account for {$6000.00}. This account and one other in which a creditor failed to work with on a revised payment plan lead to me filing a Chapter XXXX Bankruptcy. After filing on XX/XX/XXXX, even towards the end of XX/XX/XXXX NFCU failed to update the status of this account to all credit bureaus as 'Included in Bankruptcy ' with a a XXXX   balance as other creditors. They remained out of compliance as to the reporting of this account for the remainder of XXXX and even though I have been approved through the bankruptcy court for a {$1800.00} Reaffirmation Agreement ( balance ) on this account, NFCU still has failed to delete the {$6000.00} account identifying it as a Charge Off. I contacted the credit union early of and was told by a representative they have 'No Way ' of contacting any of the credit reporting representative for organization. After asking if this 'secret mission department ' was located on a distance island with not email or phone capability, I was only given the same response. I was also given the same response today ( XX/XX/XXXX ) when speaking to another representative. 
I also advised I would include NFCU as one of the creditor violators in an adversary proceeding as they failed to comply since XX/XX/XXXX after I filed the bankruptcy petition in XXXX of XXXX. Now that the reaffirmation has been approved and the new loan payment being set forXX/XX/, the correct credit report entry should be {$1800.00} Reaffirmation Auto Loan and all other entries deleted primarily due to NFCU 's fraudulent inflated balance of {$6000.00} prior to my bankruptcy petition. A previous complaint was entered in reference to the falsified inflated balance and diverting payments made to this auto loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Good morning. 

I'm contacting you this morning, in the hopes that you will assist me with my loan modification - with Chase Bank. 

I have been in the review process, since XX/XX/XXXX and during that time, my file has been handled by a number of different points of contact, I have been asked to resubmit the same documents repeatedly and have been instructed on a 'one isdue at a time ' basis, throughout this entire process.

Chase has been questioning the same documents for two weeks now - they've asked three different questions to be answered, on my 2016 tax returns. All of these answers could have come on one conversation with them - however, underwriting continually comes back with new and more absurd questions. 

It's clearly obvious that Chase is attempting to stall this process and discourage me, at any cost,, from pursuing resolution of this problem. 

Last year, I had a number of financial setbacks, but those have been resolved and I'm more than capable of returning to on-time payment. I've attached the notes from my conversations with them and I look forward it to your assisting me with this problem. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Freedom Mortgage Company
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX with Freedom Mortgage will under no circumstances will not return any phone calls. Since XXXX ; she'll call me when she needs financial documents that day. I've called five times in eight days requesting final documents. Yet she still hasn't responded in any form. Her actions, or lack of, has caused financial strain. Due to my property tax due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
To Whom it May Concern, We are almost exactly a year into a catastrophic pandemic where over 500,000 Americans have died of Covid-19. Maintaining financial stability and good credit are paramount to surviving a cruel and mismanaged federal response. So it was to my great surprise that Discover sent me an email on XX/XX/2021 that stated my {$8000.00} credit line was being canceled, and my account would be closed. 

" As a result of a recent review of the Discover it card account referenced above, we have reduced the credit line on your account and it will be closed within 30 days from the date of this letter.

This action will be taken for the following reason ( s ) : Inactivity on your account ( s ) Serious delinquency Time since delinquency is too recent or unknown '' I contacted Discover on XX/XX/XXXX to contest the cancelation, in which they told me the decision could not be reversed. They followed up on XX/XX/2021 with a phone call from a supervisor who confirmed it would not be reversed. 

The " serious delinquency '' was a student loan that ( unbeknownst to me ) was not covered by the CARES act and went a few months unpaid. As I am unemployed ( due to the pandemic ) I resolved the issue with the student loan lender by deferring payment, but they refused to reverse the derogatory mark. This has created a cascading effect, where several of my credit lines have been attacked. XXXX XXXX attempted to reduce my XXXX credit line. Now Discover. What's next? 

The " inactivity '' was me trying to be frugal in an incredibly stressful period in AMERICAN HISTORY. I didn't use the card, because I feared getting into debt when there is limited income. 

This decision by Discover is unreasonable and needlessly destructive to my credit, in a time when uncertainty is incredibly high. To kick those who are down, who have played by rules, and are just trying to survive is borderline criminal. Something must be done. My credit score has plummeted 150 points overnight. These credit card companies must not be allowed to continue with their tone-deaf policies. And rhis must be happening to millions of other Americans. It's not right.

Company response to consumer: Closed with explanation