BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

The letters are stated with items and issues. 

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 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. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 opened up a credit card account and it came with a free credit report and it notified me of fraud alert and found " dark web activity '' and they have my personal information including address, drivers license #, and social security # under my past last name on 3 different inquiries on XX/XX/2023 on Transunion and XXXX on my XXXX XXXX XXXX card on XXXX. I'm not sure what to do please HELP...

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 2021-11-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was on a forebearance due to covid from about XXXX of XXXX to XXXX of XXXX. I made my 3 temp payments to get back onto my normal mortgage payments and agreed to an amended mortgage to pay back what I owed for a 10 year extension. It has been 7 months and I still have not received my amended mortgage and everytime I call they say either it's in the process and the last time I called they said the docs would be at my house by then of the week ( 2 weeks ago ). The morgage lender is 5/3 bank. I am trying to refinance and can not because they refuse to send the amended mortgage docs for months now, and it still shows I owe over $ XXXX in payments to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22
Company: Experian Information Solutions Inc.
State: OH
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 several times via phone and online on many occasions in regards to inquiries that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look like I have been begging for credit and I have not. I am trying to refinance something in my credit file and it makes it difficult when theyre checking credit and I have inquiries from places I didnt inquire credit from or gave consent to. I have disputed and reach out to the bureaus several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. The following inquiries that were not authorized are the following : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2021-11-17
Company: Shellpoint Partners, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage Servicing has been overcharging my account from XX/XX/XXXX to the current date. Charges include overpayments listed on the mortgage statement, alleged home inspection, overcharged late fees and hazard insurance. I tried resolving this matter through dispute of making Shellpoint aware of the misconduct of the account and as yet the misappropriation of my funds has not stopped nor been resolved. I also filed a complaint with the South Carolina XXXX XXXX on XX/XX/XXXX. I filled out an intake sheet and assigned an attorney on the case. Shellpoint was also sent a Letter of Demand on XX/XX/XXXX in amount of approximately {$930.00} owed in debt of my account, ( XXXX XXXX and XXXX Dollars ) which has increase being this case is currently going on and Shellpoint still continue to overcharge my account late fees. I was hoping to resolve this matter through mediation and if I can not resolve this through mediation than I attend to file the complaint with the XXXX XXXX XXXX in XXXX South Carolina. If Consumer Financial Protection Bureau knows of any one that can mediate this problem between myself and Shellpoint it would be appreciated. I am a retired senior citizen with very low income.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
XX/XX/XXXX, tried to open checking online, received email to ask about documentXX/XX/XXXX, Fax document they need, CALLED AND THEY SAY THEY RECEIVE AND CAN BE SOLVE IN 7 BIZ DAYS!XX/XX/XXXX, transfered living money in this account, found I can not use it!XX/XX/XXXX, fax again, same documentXX/XX/XXXX checking got closed for no reason.left $XXXX dollars I can not use for almost one month.No one solve the issueCalled 10+ times, no any email or notice of what is the next step.

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 2021-11-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I received an email about a job offering. 
I followed the prompt and got in touch with a lady name XXXX XXXX. We communicated via XXXX. I had the interview by XXXX. Once the interview was done I was told to wait 35 minutes and I would have an answer. After that 35 minutes I checked in with her and they offered me the job. I was emailed the offer letter. I signed and scanned it back to the email I had originally received the offer letter from. After that I was emailed a check with the amount of {$2400.00} on XX/XX/21. I deposited it into my account. And after a few days on XX/XX/21 I had full access to the funds. I then sent different amounts to 2 different emails via XXXX from me online banking app. They said I would get all of my work materials shipped to me after I sent the full amount to he vendor. After that I was told that I was a test to see how well I follow protocol. And they sent me another check for {$2300.00} on XX/XX/21. And said that check would be the second half that is needed to be paid to the vendor for my work materials. But, once I deposited that check the next morning ofXXXX the check was frozen and flagged. My account is now overdrawn by {$2300.00}. And it will not be fully processed until the XXXX of XXXX. After I saw that my account was overdrawn I started to investigate what was going on. I went to the ladys XXXX account, got her email and sent her an email saying that I believe that someone has been using her identity to offer job positions. She emailed me back within about 10 minutes and said that her and her company are aware of a phishing scam happening with offers of employment. 
And my bank ( Wells Fargo ) said they were unable to help me due to me being the one to authorize the payment.

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 monetary relief
Consumer complaint received 2021-11-17
Company: LAKEVIEW LOAN SERVICING, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I filed bankruptcy in XX/XX/XXXX and reaffirmed my home with XXXX XXXX XXXX On Behalf Of Lakeview Loan Servicing , LLC. We just found out that they never updated their system to show the bankruptcy as reaffirmed, they removed the FHA status from the loan in their system. We found this out through the mortgage company that we applied through and was approved for an FHA loan to buy a new home. After spending multiple hours on the phone with them, requesting a payoff that I never received, due to them selling our loan to XXXX XXXX XXXX, as well as with our mortgage officer, who is a HUD underwriter. He informed us the HUD system does not show as as having an FHA loan even though I have a Mortgage paper that says we do. This " oversight '' on Lakeview 's part has placed a hold on our purchasing a new home. They can not /will not help us because they sold our loan to XXXX XXXX XXXX who has not communicated to us at all that they are our new servicer. We have no loan number, only the phone number and address that came to us from Lakeview on the transfer of service notice. We have tried on multiple occasions before the time of XXXX Est to reach this company and the office is always closed, although the IVR states the office hours are from XXXX EST. 
Today XX/XX/XXXX, at approximately XXXX XXXX, I requested that Lakeview try to reach out to them and the agent told me she got the same message that they were closed. I want this fixed so we can purchase our new home. I honestly feel they have committed fraud by the actions they have taken. Our loan was sold just shortly after I started asking for a payoff, requesting documentation and after I made 2 payments trying to come out of forbearance. I was also informed by the new mortgage agent that he was able to verify Lakeview had archived the loan as if it had not had any activity in 24 months. 
This is untrue because up until XX/XX/XXXX we were making payments, put the account in Forbearance, extended the forbearance until XX/XX/XXXX, only to find out they extended it another month without our knowledge or consent, and my wife made 2 payments. One at the end of XX/XX/XXXX and one XX/XX/XXXX. All of this constitutes activity on the account with the 24 month time frame in which they say no activity happened. We were also informed by the mortgage agent he shows there are prepayment penalties on this FHA loan. 
I have attached documentation below referencing the FHA Case # on the note, mortgage and modification in addition to the payment history for the past 24 months. I have also included the Notice of Transfer from Lakeview that includes their address and phone as well as XXXX XXXX XXXX 's contact 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 2017-10-06
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
i received a loan from the XXXX XXXX XXXX XXXX that was not giving to me. 
i never used any of the money personaly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Experian Information Solutions Inc.
State: MN
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:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

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 2021-06-09
Company: ONLINE Information Services, Inc.
State: TN
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:
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation isrequested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Are you the owner of the original debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My wife and I opened XXXX checking accounts on XX/XX/XXXX. The accounts were our " house '' account XXXX and " groceries '' account XXXX. When we opened the accounts, we were required to hold an aggregate average daily balance of XXXX or we would be assessed a {$25.00} fee each month. The fee is only assessed once regardless of the number of accounts. We added XXXX more checking accounts " billpay '' XXXX and " savings '' XXXX on XX/XX/XXXX that were also linked so that their balance was included in the aggregate daily balance. We were assessed no fees through XX/XX/XXXX because our aggregate balance was above {$10000.00}. My wife added a fifth checking account " XXXX  '' XXXX in XX/XX/XXXX. However, when the bank added the fifth checking account, the customer service agent changed which accounts were linked. There are XXXX boxes the customer service agent has to check to link and include the accounts in the aggregate balance calculation. The agent setting up my wife 's account did not check them both which caused the billpay, savings, and XXXX account to all have their own individual {$10000.00} requirement ( {$1500.00} in the case of the nana account ). As a result of this customer service error, the bank assessed fines on those XXXX accounts intermittently from XX/XX/XXXX to XX/XX/XXXX ( when we realized the error ) totaling {$1200.00}. I discussed this error with a customer service representative and my understanding is that if the accounts had been correctly linked per the original agreement, we would never have been assessed a fee on these accounts. We should have only been assessed {$120.00} in fees ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) on the house account XXXX account. The bank has refunded {$75.00} in fees.

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 2021-11-17
Company: EQUIFAX, INC.
State: DE
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 did not make the charge. I ask that the items be deleted to correct my credit report. I went to het a new lease and they gave me a copy of my reports and Im stressed and cant believe Over 90 days  ago I sent letters about an investigation into items that were INNACCURATE, Unverifiable and Invalidated. To this day I have not received a reply or my investigation results or any acknowledgment that an investigation has begun not even on my credit reports.I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17
Company: TMX Finance LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Was approved for a loan, but didn't receive money

Complaint:
Title Loan was taken out on a XXXX XXXXXXXX XXXX XXXX. 
The check for {$4200.00} was hard to cash. No store would cash it. Title Max arranged for XXXX XXXX XXXX to cash the check. 
A stop payment was made by Title Max due to a duplicate deposit. Title Max refuses to fund XXXX XXXX XXXX with a new check to cover the {$4200.00} one cashed at their store located in XXXX Missouri. XXXX is requesting payment as well as Title Max. 
Title Max refuses to look into the matter and continues to try to collect on an unfunded loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sold my house and closed on my mortgage with Huntington Bank ( XXXX/XXXX/XXXX ). Everything was completed and I have possession of the final mortgage release ( XXXX/XXXX/XXXX ). I received a VERY vague letter from Huntington ( XXXX/XXXX/XXXX ) stating that I was paid {$5600.00} in error and that I need to repay that amount. This letter included no detailed explanation and no due date. From the beginning, there have been many questionable transactions with my mortgage. I checked my payoff amount ( on line ) right before the closing and it was significantly lower than I expected. My balance showed that a large amount had been paid to the principal. When I called to check on that, it mysteriously got corrected with no explanation at all several days later. At closing they had the escrow amount incorrect and had no record that I had paid my taxes/insurance. I had to prove that it had been paid and they sent me a check for that amount after closing. I have spoken to XXXX different representatives from Huntington ( XXXX XXXX and XXXX XXXX ) and have requested each of them to provide documentation regarding this particular transaction. To this date, I have received NO proof of what transpired that has caused them to request this payment from me. I do n't understand how Huntington Bank, a company that 's business is mortgage loans, can have so many issues with my mortgage. Obviously they have problems within their company. I should not be the one that suffers due to their inability to close my mortgage properly. Huntington has been very unprofessional while handling my mortgage and I do n't trust them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My Consolidated student loans of {$40000.00} were transferred to XXXX XXXX/Navient in XXXX. The interest charges added ballooned my loan up to {$65000.00}. I could never get resolution from Navient about why {$25000.00} in charges were added to my account. I 've requested several repayment option over the last 3 years and I 've never received a satisfactory loan agreement. I need assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: VA
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 Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # 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 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also, XXXX XXXX  XXXX and XXXX XXXX  are reporting 2 different account numbers : -XXXX XXXX  XXXX account # XXXX in XXXX and XXXX in Experian and XXXX XXXX XXXX account # XXXX in Experian and XXXX XXXX

Company response to consumer: Closed with explanation