BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 had an issue with linking my bank account for automatic withdrawals. Their system would not allow me to link my new account. I tried to send them emails because that is what they prefer and I did not get any responses. I had to ask my former bank to allow me to have access to the old account and re-link it and then create a new account with XXXX to link the account. However due to having to go through all of that AND not hearing back from them, my payment was late AND I was reported delinquent. 
XXXX has failed to respond to my emails and when I call their number you literally can not talk to anyone because its just a recorded message. 
The only email response I get is the automatic email after I send them an email and the one advising to send detail information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-16
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
US Bank, and by extension, XXXX ( their bill pay system ) have screwed me. They have taken several payments from my account without the funds in my account. I have attempted to deal with them directly and I keep getting told how it was my fault and how I had to do all the work to get the money they took from me back. And now, a month later, I 'm finding out from my auto loan company that US Bank has received funds back from them, and I have n't received all of those back into my account. So, now, it certainly appears like they 're keeping the money that they took from me. I no longer use the account because I 'm not willing to be taken advantage of again. US Bank and XXXX are horrible, they blame the consumer, and then they keep your money. They say that they contact you, they say that they send letters to you, but then you never get them. They leave pre-scripted phone messages, and they are not very helpful in general. Of course, that is just my opinion. But, also my opinion means that they wo n't ever see a dime of mine again. And, if needed, I will go to court to fight for that. Because they are wrong in this situation and I will shout it from the rooftops, if necessary. I do not understand how a bank this size ca n't take responsibility for a fairly minor issue and just take ownership and cover the costs of their mistake. I deserve the {$1200.00} or so that they attempted to take from me and then they charge me for it.

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 2022-02-23
Company: ALLY FINANCIAL INC.
State: GA
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:
ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXX To Whom It May Concern : While checking my most recent credit report, I noticed a unauthorized and fraudulent credit inquiry made by this company. 

Inquiry was made on XX/XX/XXXX by ALLY FINANCIAL. 


I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

- Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that this fraudulent inquiry be immediately deleted from the credit file you maintain under my Social XXXX XXXX XXXX XXXX XXXX number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611

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 2017-01-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
I did not want to sign up for the billpayer program ( auto transfers payments from checking ). The banker said that was fine. Billpayer transferred from my account anyway. I called customer service and asked them to provide me proof I authorized that. They said the form was archived since it was done 3 months ago and they could not prove it. They transferred money from my checking without authorization OR someone forged my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Westlake Services, LLC
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I XXXX XXXX is showing an account with Westlake Financial Services that went into default back in XXXX. The account states that it will be removed in XXXX XXXX, which essentially means that the item initially went into default XXXX XXXX. I believe that the timeline has been moved forward, and that the item should be removed immediately and permanently. The credit trade line for enforcement has passed and the timeline for it being maintained has surpassed the 7-year rule of the Fair Credit Reporting Act. Accordingly, this account should be deleted with all perspective credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: Navient Solutions, LLC.
State: NY
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 have been called repeatedly by Pioneer Credit. Their number is XXXX. They often call early in the morning on weekends and wake up my children. When answering, I hear an automated message -- it references a debt of a XXXX XXXX. So I know the debt is not mine as that is not my name. I have only had this phone number for XXXX months so I assume the debt relates to a person who had my phone number previously. I called back and the representative was not helpful and noncommittal about when/if they would update their database and stop calling.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XXXX I received a letter from portfolio recovery associates whom is a debt collection company that purchased my debt from a previous company in XX/XX/XXXX. The letter stated that I were to select a payment plan and to begin making payments by XXXX XXXX XXXX or my account will be referred to and flagged as a collection. 

On XX/XX/XXXX XXXX I received a notification from the credit reporting bureaus stating that my account was flagged for collections by portfolio recovery associates on XX/XX/XXXX. Almost a week prior to the date stated in the letter that I must have selected a plan and paid by. This company denied me the full opportunity to select a plan and make payments by the deadline that they themselves informed me of before I referred to collections. 

This is egregious buy and violates my protective rights, I respectfully ask that this account is removed from my credit report immediately as I will continue to make payments to said company via the plan that I did select by the deadline that they gave me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: Home Point Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1 ) I have refinanced my house, after a few months my mortgage was sold to a 3rd party mortgage / collection company. 

2 ) 3rd party received my payments but did not post to my account. 
i have shown proof of payments but they are refusing to make corrections. 

3 ) i have disputed with 3 credit bureaus but mortgage company did not agreed to make correction. mortgage company insisted to keep negative report on my account. 

4 ) later mortgage / collection company made correction for the first 2 months and kept negative report for the 3rd month. 

5 ) i have resend all my proofs with new dispute letter to credit bureaus, one of them has corrected my account and i am waiting for the other 2 6 ) mortgage / collection company did not post my latest payment ( XXXX ) i was concerned to get additional negative report. I have called-in on XX/XX/XXXX and changed payment method to " monthly auto ACH '' to replace my check. mortgage company took the ACH payment and also cash my check at the same time. They took 2 payments and advised me that the additional payment has to go for the month of XXXX. 
am i getting reimbursed for the early payment and additional interest paid? 

7 ) On XX/XX/XXXX, I have requested again credit correction, the mortgage company replied on XX/XX/XXXX and XX/XX/XXXX that they have received my request and they are reviewing it. I have not received any reply -- -- -the week of XX/XX/XXXX ( don't have exact day ) I called the mortgage company again, one of the operator inform me that they are making correction to my account and it may take over 30 days to see any changes. Previously I was told by one the supervisors that the only acceptable correspondence is via e-mail directly with accounting department. I have then sent a new e-mail requesting update/ correction on XX/XX/XXXX. 

8 ) As of today i don't have any written notice of the correction for my account. 
my credit score is still below average. 
I was unable to get new financing due to my credit score. 
I have lost many work hours trying to correct my credit for almost 3 months I am suffering with anxiety and stress trying to make this correction I am extremely dissatisfied with this mortgage / collection company, they did not make correction when i have showed them from my 1st e-mail that the issue is their company 's processing, it seems like they are more of a debt collector / collection company not a mortgage company. 
i hope someone review this matter and help me correct this issue and also protect other consumers from this type of financial and stressful harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I am XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I'm filing this complaint because it's been over 35 days and you are still reporting these items without permission and that is fraud.

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 2017-01-30
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My step daughter XXXX had XXXX loans in default, and XXXX not in default that I was a co-signer on. We were contacted by someone who claimed to be from Navient, someone named XXXX, but whom I have heard recently was with a 3rd party. About 13 months ago, we negotiated a settlement for all XXXX loans and sent a check to Navient. We were assured REPEATEDLY that the settlement would be for all XXXX loans. When we received documentation, only XXXX loans were listed. Over the past 4 months, Navient has basically been harassing me for payment of the XXXX loan, the one I was co-signer on! XXXX flat out LIED to us REPEATEDLY, engendering us to send a check. And knowing full well that we may have the means to pay AGAIN for the XXXX loan, cheated us by leaving the XXXX loan off the agreement that I was co-signer on! These people are thieves and belong in PRISON! They have been calling me 4-5 times a day for the past few months. I have told them full well that I will never give them another NICKEL! I would be pleased to make special effort, including travel, testifying etc., to join a class action law suit. Please let me know. My name is XXXX and I can be reached at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-20
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
- I am writing regarding FedLoan Servicing 's ( FedLoan ) and the U.S. Department of Educations office of Federal Student Aid 's unacceptable delay in processing my Public Service Loan Forgiveness ( PSLF ) application. Based on the limited waiver criteria with more recent amendment to include previous unjustified forbearance months, I have made well over 120 PSLF qualifying payments. 

I submitted my first application on XX/XX/XXXX for PSLF with a request for consideration for loan forgiveness through TEPSL, as my correspondence with FedLoan indicated to do. Despite serving in the public mental health sector for over ten years at that time, this request was denied. 

After the limited waiver was introduced, and particularly with the additional allowances targeting unwarranted forbearance periods, I thought this issue would finally be resolved. 

I submitted applications for PSLF on XX/XX/XXXX and XX/XX/XXXX. I submitted a complaint to Federal Student Aid on XX/XX/XXXX when I had not yet received an update to my qualifying payments despite the overwhelming evidence with documentation I submitted. On XX/XX/XXXX, I submitted further documentation verifying my non-profit work in providing mental health services to children and adults of my community. 

I have painstakingly documented the uncounted qualifying payments through previous and current employers as well as forbearance months which clearly coincide with changes in payment plans and was done on the advice of FedLoan officers at the time. On XX/XX/XXXX, I received an " update '' on my complaint filed through the office of Federal Student Aid only after requesting that the complaint be escalated to the Ombudsman group. 

However, the response merely stated the months of forbearance ( again, for reasons which the limited waiver is explicitly meant to correct and compensate for ) was not approved without reason. The response also stated my PSLF request on XX/XX/XXXX has not yet been processed and made no mention of my XX/XX/XXXX request. Although this most recent correspondence directs the borrower to submit a request for reconsideration, this process began with request to review my information. 

The delay in processing is unacceptable and I would like your assistance. Attached is the most recent email indicating my complaint was closed ( without legitimate resolution ) as well as a screenshot of my complaint 's case description and included documentation. This should clearly illustrate what over 25 email confirmations from FedLoan also highlight, that all requested information to process PSLF has been submitted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I am getting ready to pay my last car note but they're trying to charge me like {$1200.00} extra in late fees. I've tried to negotiate with them but they have zero tolerance when I tried to negotiate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: IL
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 noticed unauthorized inquiries on my credit report. Someone else must have applied in my name and according to the Fair Credit Reporting Act these unverified & unauthorized inquiries must be removed immediately. 

-XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX -XXXX XXXX- XX/XX/XXXX -XXXX XXXX XXXX XXXX- XX/XX/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 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

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 2016-01-06
Company: Merchants Credit Corporation
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2015 my XXXX store credit card was declined at a XXXX. It turned out that I had missed my XX/XX/2015 payment by accident because I never received my bill. Once I learned this I immediately paid my bill in full ( posted XX/XX/2015 ). When I went online to pay the bill, I saw a message that XXXX was " actively collecting a debt. '' ( Yes, after only missing one payment. ) In XX/XX/XXXX ( after I had paid my debt in full ) I began receiving messages on my cell phone from " Merchants Credit '' XXXX stating that they were " trying to collect a debt. '' I 've received four such messages since then, including today ( over two months since paying the debt in full ) and the messages sound like robocalls and are very generic ( not stating my name or the name of the merchant they are calling on behalf of ). I do not currently owe debt to XXXX or to anyone else. I pay my accounts in full and on time. " Merchants Credit '' is therefore making continued attempts to collect debt I do not owe. I have not returned their calls because of this fact and I would like their calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Atlanticus Services Corporation
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
XX/XX/2021 XXXX a.m. 

Aspire Credit ( XXXX XXXX XXXX ) XXXX XXXX I talked to a account specialist named XXXX that works for Aspire. I requested that my card be fit to use for XXXX pay. He told me I needed to send 2 forms of ID, I told him I didn't want to send my info to a random person in a department and didn't see the need to because I've been using the card, I've made numerous verifications and I'm the sole user of the card. Also, I initiated the request to add my card to XXXX pay ; so for my account to be suspended because I didn't want to send my own information shows abuse of authority by a low tier subordinate. I feel I'm being discriminated by aspire because of ethnicity. I'm always having to verify purchases ( usually my card will decline and I have to verify the charge over txt ... .and usually that takes a hour for the txt to come thru to my phone ). It very repetitive and it's not requested. 

Also XXXX is a low tier account specialist ; he shouldn't be allowed to make these type of decisions. His English is way too broken and seems very XXXX in how he structures and forms his words. I could barely understand him. 


XXXX also talked to reps over chat to explain my situation. One had disconnected our chat.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Medical Data Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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