BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
After looking at my credit report, I saw a collection account that does not belong to me. This false information is ruining my credit and knowing full well this people did not do their job and allow people to just post false accounts on my report. They need to delete this information immediately and do a proper investigation as this information is not mine. The account is for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have filed a dispute with Transunion several times I have with through this Bureau of Consumer serveral times as well. Im at my wits in. I have disputed items on my credit report with Transunion I have had fraud alerts placed on my account it has been past 30-45 days since my dispute and yet nothing has been communicated back to me and according to the fair trade act it should be removed along with the XXXX hard inquires that are report from XX/XX/XXXX-XX/XX/XXXX. Please handle and resolve this once again

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX claims I owed them money after I returned my leased vehicle 13 months early. I dispute I owe XXXX XXXX any money because of overcharges. XXXX XXXX agreed to adjust the amount owed and I paid the amount in full the following month. I still dispute I owe XXXX any money. XXXX ( XXXX ) agreed to have my credit scores fixed after paying off the adjusted amount. I paid the disputed amount so my credit scores would be fixed and I could refinance my home loan. My credit scores are still inaccurate because of XXXX XXXX not send the correct information to the credit companies.

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 2015-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On my credit report it shows that I have an open credit card with XXXX. That is not the case. I only possess XXXX credit cards, XXXX through XXXX Bank and XXXX through XXXX XXXX Bank. My father whose name is XXXX XXXX has the XXXX card in his name. My name is XXXX XXXX XXXX. We are not the same people.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I took out a XXXX mortgage with XXXX in XX/XX/XXXX for {$21000.00}. The account was sold to Springleaf Financial, I believe in XXXX. My current balance is {$19000.00}. So in over XXXX years may balance has only reduced by {$1500.00}. I do n't understand how this can be. I was wanting to refi my 1st mortgage but this account is keeping from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I settled an account listed on my credit report with XXXX XXXX Bank. I sent a copy of the settlement letter from the collection agency to Equifax to correct the information however they have failed to do so. Account still showing balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I submitted a several disputes to Equifax after being a victim of identity theft -- starting in XXXX. I submitted all the proper documentation. They did not block any of the items ( III. A. Blocking Information in Credit Reports under Sections 605B and 623 ( a ) ( 6 ) ), and they continue to report them. I asked for the items to blocked and thoroughly disputed, I also asked for validation proof. They did not respond or send proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX XXXX. Removed all of my payment credit history for my truck loan for 5 years of paying on time never late because they reported to all XXXX credit agency of first XXXX late payment then second late payment due to me disputing there action on my credit soon after that my credit score went from good to poor. I applied for new line of credit and a new credit card from my own unions who I am a active member and was turn down credit due to what was on my credit and my credit score Not enough credit information insufficient credit history revolving trade highly utilized or credit line not available this is n't fair to me I just purchase my VA home in XXXX 2016 and ca n't get a new line of credit or a new credit card to transfer my balance because XXXX XXXX XXXX deleted all of my payment history from my own unions programs after paying a 5 year truck loan to establish excellent credit that I have personal worked very hard on maintaining. Thank you, XXXX bless you and your Family!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MO
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Rushmore Mortgage bought my second mortage from XXXX. The debt with XXXX was included as part of my chapter XXXX bankruptcy. Rushmore continues to report this as a deliquent debt to the credit reporting agencies. I have filed disputes with the agencies but the debts have not beenr emoved from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: HireRight Solutions, Inc.
State: VA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint:
I received ticket in Indiana for failure to obey traffic signal. On XXXX the speed limit was XXXX but slowed down when was close to red light when my front steer tires hit the white line the light turned yellow .there was an officer sitting in red light to my left. He should know that I could not have stopped that quick even if I were goin XXXX the weight of a tractor trailer would not be able stop so sudden without loosing the load on flatbed trailer. I was goin show for court but it 's very hard. For driver to make court when you travel so many states.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: WELLS FARGO & COMPANY
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Mortgage was XXXX % finished when an appraisal was done. During the appraisal the APPRAISER took many pictures. The appraisal came in at about XXXX against a refinancing of about XXXX. All seemed to be OK. Wells Fargo underwriter then asked about certain work to be finished " bathroom was in the process of being done. The rep said " we ca n't proceed '' unless the work is finished. I feel that Wells Fargo used the appraisal to unleash a Trojan Horse into my house to inspect ( by taking pictures ) as well as appraise. After I paid {$370.00} for this appraisal, it was used against me to negate my mortgage application. During this process, my credit score went from XXXX to XXXX. I was subsequently denied the Mortgage. I have faithfully paid this same note to Wells Fargo for ten to twelve years. I was trying to lower my interest rate from 6.25 to about 4 %. as I am approaching retirement. Wells Fargo constantly bombarded me with solicitations in the last 5 years, but when I finally " took the bait '', I was turned into a sucker. All other criteria were met or exceeded. Now that my score has been lowered, and I have been denied a mortgage by Wells Fargo, I 'm reluctant to re-apply to another company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24
Company: 360 MORTGAGE GROUP LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had refinanced my loan with 360 mortgage but they keep reporting negative information to the credit bureau, the loan was paid in full before it was 30 days delinquent. Yet they keep reporting that it was late and it has dropped my credit score by XXXX points. I have called them numerous times and they say to dispute the charge through the credit bureau. I have done this twice. The first time the issue was fixed, then all of a sudden they reported that the account was late again so I have to dispute a second time. When I call them they offer no assistance even though they know they reported the information incorrectly. I need this issue resolved as my good credit is being damaged by lazy credit reporting.

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 2015-09-24
Company: Paypal Holdings, Inc
State: IN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2015, PayPal limited my account so that I could not withdraw any of the funds in my account. I was told that I would have to wait 180 days to withdraw my balance of XXXX. I have contact Paypal by phone over the last 2 weeks, and both times they have said they would escalate the issue and call me back. As of XXXX XXXX, 2015, they have not contacted me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have a paypal account, with around XXXX dollars in it. I want to withdraw my money back to my XXXX checking account. I tried two weeks ago, and it shows " Internal server error. '' I contacted Paypal customer service and they did n't reply. I tried again these days and it still shows " Internal server error. '' I tried every approaches, including change browser, clean history but all did n't work. Now they still did n't give me any response, and I really need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Lincoln Educational Services Corporation
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
back when I was in high school 1987 I was inquiring about going to a XXXX school Lincoln tech and I signed up for the school however I never attended I follow their protocol and sent a letter stating I would not be attending in the fall I then get a bill in the mail from student aid for interest I refuse to pay the interest payment because I never attended XXXX class I never received XXXX book I never went XXXX day to that school and the government for over 30 years has been harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: CREDIT ACCEPTANCE CORPORATION
State: NH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I called in to set up payment arrangments on my loan. The guy was giving me a hard time. Then the rep thought he put me on hold and he did n't and I heard him say XXXX. That is un called for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-01
Company: ZWICKER & ASSOCIATES
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a call from Zwicker and Associates on XXXX/XXXX/2015 from phone number ( XXXX ) XXXX. I returned the company 's call and inquired as to what they were calling about. The representative I spoke with confirmed that they called me in error and that they had no account related to my phone number. I received another call from Zwicker and Associates on XXXX/XXXX/2015 at XXXX. I do not have an account in collections and the debt they are contacting me in regards to is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Made XXXX monthly payments, and was then unable to make payments due to change of work. Bank calls multiple times a day on " Robocall '' and then a person answers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-04
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was recently approved for a credit card with Pentagon Federal Credit Union. In order to take advantage of the 2 % the card offers members are required to either be in the military service or open a checking account. I was informed by one of their agents that since it has been less than 90 days since they reviewed my credit they would not need to obtain a new report in order to open the checking account. I applied on XX/XX/2017 and they pulled a credit bureau.

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 2017-03-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was shopping for a car and the I put in a credit application with the dealership. For that single application I filled out, there are now XXXX inquiries into my credit. XXXX for the finance company, and XXXX for the dealership. The dealership claims this is standard procedure. Even if it is, does n't a credit reporting agency take into account multiple credit inquiries when someone is shopping for a vehicle?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I recently sent a letter to Experian, requesting the removal of unauthorized inquiries from my credit report. I did not ask for removal of the inquiries I had authorized. I received a letter from Experian stating all inquiries had been verified which is impossible considering I did not authorize these inquiries and have never heard of these companies. The FCRA states : the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The inquiries in question do not meet these requirements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
after being preapproved by wells fargo for a home mortgage i was told all of my costs would be near {$6.00} to {$8.00} XXXX dollars and explained that i would not be able to do much more than that.after a couple weeks into the loan process i was informed that my out of pocket expenses could go as high as {$16.00} XXXX.the loan officer neglected to tell me of a surprise rule that would require a larger deposit from me after i had paid for an appraisal and inspection .the seller backed out after wells fargo taking too long to process my loan and i am out over {$800.00} dollars.i believe the inexperience of the loan officer caused this loss and would like to be reimbursed from wells fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: Penn Credit Corporation
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I recently received a letter from a collection agency for a debt that is 25 yrs old from the Public Defenders Office, I 've done some research on the matter and have an understanding it 's a time barred debt according to 2A:14-1, also reporting a collection is 7 years, furthermore, through my research I conclude that 25 years is past any statute of limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Bayview Financial Loan Servicing is a predator debt collector. 
An unsecured SBA disaster relief loan was paid in full in XXXX. In XXXX of XXXX I received a re-instatement letter from Bayview Financial Loan Servicing for a commercial loan for a property with no address in XXXX ( I have never lived, worked or owned anything in XXXX ). and there was {$240.00} delinquent on the loan. I called the SBA loan dept and they told me the loan was paid in full with no outstanding balance. I explained that to Bayview Financial who in turn placed a charge off on credit report and repeatedly refused to remove it. Now as I am trying to refinance my house and I can not with this derogatory issue on my credit report - it states it is a real estate charge off. When I called again to dispute it, the supervisor at Bayview stated they now have found another new charge off for the same loan with a new amount of {$590.00} that will now be reported to the credit bureaus. The credit bureaus report whatever is given to them no matter how incorrect or wrong it is. This is absolute extortion and Bayview has no one to account to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: WELLS FARGO & COMPANY
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
My mortgage company denied my hazard insurance payment and purchased homeowner 's insurance for me at a premium rate. My mortgage company does not escrow my homeowner 's insurance and the banks actions may be an attempt to hold my insurance in escrow. I recently moved to a new home ( three years ago ) and I had no problem paying my homeowner 's insurance the first two years in my new home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I am currently making payments toward a loan I made with XXXX XXXX, which finances through Wells Fargo. I receive calls daily from Wells Fargo, even though I am making payments toward the past due balance. I pay {$100.00} to {$200.00} each month, I can not pay more because I have student loans, car insurance, and car payment. Furthermore, each time I pay, I do not see the balance decreasing. It can not be there interest rate because, they charge me $ XXXX for the interest rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-04
Company: ERC
State: CA
Product: Payday loan
Issue: Can't contact lender

Complaint:
I never took a loan from XXXX and someone from ERC XXXX calls me numerous times a day. No debt validation letter was sent to me. They refuse to issue any address and accompanying documents. I have asked them to stop calling me but they persist.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-05
Company: BB&T CORPORATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
They set-up my account incorrectly because their branch staff member is incompetent ( XXXX in XXXX VA ). I asked to be opted out of their overdraft program and he opted me in instead ( probably on purpose as I imagine the branch gets a kick-back for all overdraft fees ). When I received the XXXX overdraft charge I went in and he supposedly corrected HIS error and reversed my charge. I assumed all was well then 3 weeks or so later I received {$500.00} in overdraft charges ... No one in their " corporate customer support '' office would help at all, said I had to go into the branch which I did. They acknowledged that the error was theirs but the branch manager claimed she had to get approval from someone over her. Two weeks go by and every time I call the branch to talk to her she is " busy '' and will call me back. Of course she never does. Once I get the " customer service '' people to call me they call her and she claims she never heard of me and never had the discussion.

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 2021-03-23
Company: MEGASTAR FINANCIAL CORP
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
So we have been dealing with this difficult lender Megastar Financial. they also have difficult reps. I called today and spoke to these reps XXXX id number : XXXX XXXX id number : XXXX. These reps refused to discuss the account and got hang up twice and put us on hold forever and even transferred me to XXXX  speaking representative just to get away. That is so rude and very unhelpful.

Company response to consumer: Closed with explanation