BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 co-signed for an auto loan with my son on XX/XX/2021. Before going to the dealership, I had approval from my bank, and they confirmed they'd be able to pull that authorization and deal with the bank directly to finalize the loan. While we were at the dealership awaiting the paperwork, my phone was going off with multiple e-mail credit inquiry notifications. 

I panicked and asked the salesman why this was happening, as I had approval from my bank and didn't authorization any additional credit pulls. They assured me they were only checking with XXXX XXXX  to see if there was a better rate available and not to worry, as by law these would all show up as 1 credit pull. I was surprised to find out last week that my credit report now shows multiple credit inquiries, which doesn't look good to any future potential creditors if I intend to do any more financing and furthermore impacts my line of work, as many of the contracts rely on clean reports on the soft pulls. 

I went into the credit reporting agencies to find out how to dispute these and have to mail them complaints as well as file it here, which is terribly time consuming.

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 2022-03-31
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They saying that I Owe them more than my credit limit was and all my late payment is inaccurate I always payed on time only reason I couldnt pay this collection because Pandemic hit and I lost my job and became 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 2020-04-22
Company: Experian Information Solutions 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 information incorrect

Complaint:
I am on an Income Driven Repayment Plan with XXXX dollar payments every month but my credit report still shows that I have monthly payments and that's not the case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Cornerstone Home Lending Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have made 14 payments to my mortgage company, Cornerstone. All 14 payments were made out to Cornerstone, sent to the same address, and have all cleared. Cornerstone shows only 13 payments. I've supplied the proofs of payment on every single payment. The payment that is missing is the one I paid on XX/XX/2020 for {$2900.00}. I've contacted XXXX XXXX, Sr. Executive Services Representative, Loan Servicing Cornerstone Home Lending , Inc. for help. She says in her research, the missing payment was found but told me no more except to call XXXX for more information. In calling that number, I spoke to XXXX who has no record of the missing payment. As well, my on-line payment history with Cornerstone 's website does not show the missing payment. I have paid Cornerstone {$2900.00} which they have kept without crediting my account and now the representative is claiming the problem is solved despite all evidence showing that nothing was solved. 

This is the contact information for XXXX : XXXX XXXX XXXX Executive Services Representative, Loan Servicing Cornerstone Home Lending , Inc . 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have repeatedly asked them to stop calling. Unfortunately they will not listen and keep asking me to make payments on something I do not owe. 

I understand these companies purchase debts from financial institutions and do not know the full story behind why the previous company never collected, simply it is illegal how they obtained a balance and therefore will never try to collect the debt themselves due to the banking industry being hit with multiple lawsuits for their schemes. 

I was too young at the time to understand exactly what they were doing and why it was wrong, but this is exactly why the CFPB came into existence to protect consumers from unlawful tactics and schemes. 

I am simply asking them to stop contacting me and they refuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-15
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been paying monthly installments to a debt that I had let go to collections. For the past year and a half I have been paying {$300.00} to  TransWorld Systems Incorporated to pay off a debt of ~ {$16000.00}. I set up  automatic withdrawals with  TSI  and I had received monthly invoices giving me notice of adjusted balance. This month  (   XXXX ,  2017  ) I looked at my credit report and it noted that specific debt had been closed out  ( a total of ~  {$12000.00} at this point ). I also noted that I had not received notice of automatic withdrawal. The regular amount of {$300.00} was still withdrawn from my account. I want to inquire as to why I am still having money removed from my account when the debt has been closed on my credit reports, and I want to inquire if it is reasonable that I have not received notice of the most recent automatic withdraw?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, INC.
State: CA
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:
My issues are complex and unique in nature and i havent been able to resolve any of the issues that have been in existance since discovering them in 2018. I know for certain that i am a victim of synthetic identity theft and fraud. I am unable to view any of my credit accounts because passwords and user name and id 's have been changed, so i dont know what was used, expecially my Equifax account! How am i supposed to figure out what my credit scores are if i am unable to view them because i can not get into them! I need help with these issues because i am trying to fight fraudulent attacks that use mine and my childrens personal data!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX i got hacked from XXXX and when trying to get customer support i got sent a message from my bank ( scammers sent ) that a charge of {$990.00} was withdrawn in order to get some information on my account status they used an application called XXXX  bank USAA ( I contacted ) called and try to reimburse that payment ( used XXXX  app ) and they can not therefore i got drained of that momey.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 made several disputes through a written letter and also through their official page, telling them that I do not know about this Hard inquiry and I did not give my authorization, therefore it had to be removed from my credit report immediately since it is a should be fraudulently and it is affecting my credit record.

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 2021-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 balance transfer

Complaint:
I made a balance transfer using my Capital One Quicksilver card for the amount of {$700.00} back on XX/XX/2021. Capital One on their part, sent the check for the amount of {$700.00} to a different financial institution ( XXXX XXXX  ) and this financial institution cashed the check even though it didnt belong to any of their accounts because I dont have an account with XXXX XXXX  . Now both, Capital One and XXXX XXXX  are refusing to help me with this problem. I have made multiple attempts to get this problem solved and both banks are refusing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Professional Credit Management, Inc
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Back on XXXX I sent out a certified letter requesting validation this was never answered. 


XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX PCM To Whom It May Concern : Be advised this is an attempt to get a Validation of Debt Request Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt that you say I owe PCM. I am requesting proof that there was indeed a contractual agreement between XXXX XXXX and PCM signed and dated with both my signature and PCM signature on it, stating that I agreed to pay this debt to your company. If this said to be true that PCM claims, I am also requesting the beginning and ending of services that I rendered from PCM with my signature and again PCM XXXXAgent signature on it. 

Also, last but not least if PCM can show me Proven Documentation of their company practices are not using EXTRA TACTICS, MISLEADING - INVALIDATION of INFORMATION to the three major Credit Bureaus and no type of UNJUST ENRICHMENT within the company for gain off my personal information that was retain without my consent. 

Im respectfully requesting that your offices provide me with competent evidence of Court Documents showing proof that I have any legal obligation. 

At this time I will also inform you that if your offices have or continue to report Invalidated/ misleading information to any of the three major credit bureaus ( XXXX  XXXX XXXX  , XXXX XXXX ), I will move Rapidly to other steps legally. These actions constitute fraud and Identity theft under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company, again I will not hesitate in bringing legal action against you and your company for the following : Violation of the Fair Debt Collection Practices Act Defamation of Character Identity Theft XXXX___ [ Signature of Affiant ] Subscribed and sworn to before me, this XXXX day of XX/XX/2020. 

NOTARY SEAL _______________________________________________________ [ Signature of Notary ] ___________________________________________________________ [ Print name of the Notary ] NOTARY PUBLIC My commission expires : XXXX, 2020

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
In XX/XX/XXXX, I came into the bank with {$3000.00} dollars, at. Wells Fargo Bank located at XXXX XXXX XXXX, XXXX, XXXX. I requested to open. A Bank Representative named, XXXX XXXX assisted me with opening up Saving Bond and or investment account for my XXXX children. The Account was suppose to have been a savings bond for my children savings for when they got older to use the money for their graduation expenses this year XXXX. The teller took the {$500.00} deposit for that account and forward it to some kind of investment broker that handles Saving investment bonds, then list my information to the Savings bond account. She did not remember me giving her the money for that separate account. On that day she gave me a paper of receipt for the Savings Bond, but it was destroyed through the years from a Storage Auction at XXXX XXXX on XXXX XXXX, in XXXX. I thought the Wells Fargo Bank would have a record of it, but the Manager kept saying I have to speak to the bank representative that opened the account for the information on that Savings Bond. My complaint is that my money was not returned or located in that branch. The representative, XXXX XXXX relocated to another branch and my account was never retrieved and the money was never refunded. That year I had a Savings and checking account with Wells Fargo also. That same day I deposited {$1000.00} into my savings and {$1000.00} into my checking account and {$500.00} into the Saving Bond. Investment account, which was stolen or misplaced by the bank representative, XXXX XXXX. How can I get a refund of the monies I deposited for my children 's Saving Bond investment account. I need an investigation of why the money was stolen or what account did the money go into. I want to know why the account information to the Savings Bond withheld from me or stolen and or destroyed. If the money is found or retrieved please forward it to my current mailing address : XXXX XXXX XXXX XXXX, NJ XXXX. My contact number is XXXX XXXX XXXX XXXX. Thank you for reviewing my complaint.

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 2021-05-12
Company: AMERISAVE MORTGAGE CORPORATION
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Mortgage application with Amerisave was completed on XX/XX/21 and rate locked in for 47 days. Due to warranty issues we were not able to close within that 47 day window. With rates dropping significantly over that period I assumed the lock had expired and I was eligible for a lower rate. The company said that wasn't the case because they had automatically extended the rate lock to protect me. I was never notified of this extension and did not learn about it until after the fact. I contacted the company and asked them to honor the terms of the application and they refused.

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 2019-12-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was made aware of some accounts on my credit report that do not belong to me. The reason why I ever looked over my credit report is that my cousin asked me if I could co-sign for him to buy a car and when they ran my credit I was told that I didn't qualify to be his co-signer because of my " bad credit history ''. None of those accounts that they referred to as negative belong to me ; I did not open any of them and I did not give anyone else permission to open them in my name. I was not part of any payment or purchases that were made using these accounts nor did I benefit from them in any way. I have already filed an FTC identity theft report regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 disputed in XXXX unauthorized inquiries and multiple accounts that are not mine and several others that I was never late on. Also one account marked chapter XXXX which is wrong. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted.

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 2022-09-11
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I called NelNet on XX/XX/27 to ask for a refund of payments made on my account during the pandemic per the CARES act law. Customer service told me they would submit a written request and I would see a check in the mail in 4-6 weeks. On XXXX I received and email from nelnet saying my refund was denied due to missing information and to email support or call for more information. I emailed them back and it came back as invalid and I noticed the email address they provided me was not spelled correctly. I fixed their spelling error and asked for more info, to which as of today, they have not replied. I called NelNet on XXXX for clarification and they told me they forgot to get verbal confirmation to reinstate my loans and would submit another request. I asked if that would start the process again. They said yes and that I wouldn't be notified if it was processed for another few weeks. She said this has been happening for a lot of people. NelNet seems to be purposely delaying getting people their refunds and have not been following the correct protocol in completing these requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
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 is missing that should be on the report

Complaint:
Experian report remains incorrect due to incorrect reporting by the Lender  XXXX . We never closed the acct. Our reverse mortgage lender paid them by agreement disbursement. We only requested they remove the lien on the water conditioner. They stated " due to that they are required by  the Fair Debt Reporting Act ''   to file that way? That remains a negative on Experian, has handicapped our ability to finance our additional debt and placed us in significant financial harm. Experian report #  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 2017-04-05
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
My private student loans were originally through  XXXX   XXXX , which were sold  to   XXXX   XXXX   XXXX   , LLC .  I made arrangements to have payments auto-drafted from my account and up until  XXXX     2017, th ey were regularly paid. As of  XXXX , they have stopped taking my payment. When I went online to see why, I could not view any information on my account. When I called to inquire about this matter, they told me that I am " locked '' out of my account due to my accounts being in a charge-off status. The representative told me that my payment expired a year ago, so I have n't been paying enough each month. I have had absolutel y zero  correspondence with them about this. They informed me that I have  XXXX  additional accounts ( that I was completely unaware of ) that are in charge-off status also. These accounts never showed up on my online account and was never mentioned in prior discussions. I asked them to please tell me what I owe, because this is the first time I am hearing about these other " accounts ''. They told me that I would need to pay a fee of {$100.00} for each account to " unlock '' them and find out how much I owe. I have been dealing with all kinds of fraud surrounding my student loans after attending  XXXX  University and I am not sure how to handle this situation. They will not tell me anything about my account unless I give them {$300.00} and I feel that it is my right to know how much money I owe. Please help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
My student loans were paid off through wage garnishment two years ago. My credit report is inaccurate. When i disputed they changed my status to 180+ days late and my score dropped. XXXX will not remove these paid off accounts and they added false info when I filed a dispute. The same loan is also on my reports multiple times. I dont know where to turn.

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 2020-04-22
Company: Mid-Atlantic Finance Co., Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have already paid bill for eleven months well there saying I've only paid ten months. XXXX payment is due but there including XXXX 's payment that has been paid. Requesting extension until XXXX. Thank you.

Company response to consumer: Closed with explanation