BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-22
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To whom it may concern, I sent a Method of Verification Letter on XXXX XXXX, 2021 by certified mail to XXXX, XXXX, Experian, XXXX XXXX and XXXX in order to verify such information that is being reported on my credit reports. They received the letters on XXXX XXXX, 2021 and XXXX XXXX2021. I received a letter from XXXX stating they received my letter and provided a break down of the investigation process on XXXX XXXX,2021 as a stall tactic. I received no response from any other bureau. I also have not received any investigation results from XXXX. It has been over 130 days since my receipt of my first letter sent to each bureau. I have also sent a second letter by mail on XXXX/XXXX/2021 as a follow up letter to each credit bureau.Consumers have the right to request a method of verification if they believe the item was not investigated properly. Also According to the FCRA Rules, FCRA 623 ( bX2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received no response XXXX after the receipt of my certified mail, one can assume that there was no investigation into the matter. I plan to purchase a home later this year and having this alleged bankruptcy on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original Method of Verification Letter. I contacted the courts and they stated they did not provide any information to the bureaus so how was this verified? This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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 2015-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My payments are not being recorded even though I sent them direct proof that the payments were made, directly from the creditor 's accounting dept. The credit bureau claims, in a letter they sent me, they do not change or add to my credit report file no matter what. 
I was told different by your organization.I did all you told me to do and it made no effect at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
To someone with the authority to rectify my problem, I have reached out to these corporations and they completely disregarded my correspondence I sent to them on XXXX XXXX, 2020. I havent received any responses from them once. My first correspondence was 79 days ago. After this experience I have done research and learned that Federal law requires corporations to respond within thirty ( 30 ) days ; again it has been 79 days and these companies are in gross failure of having an open line of communication with me about my situation. I am aware that according to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. I rather not do this but at this point I am considering seeking litigation. Be informed that my information was compromised in the Equifax data breach and this may have caused the detrimental activity on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery is a debt collector that bought XXXX/XXXX XXXX The first call started on XX/XX/2020 phone number is XXXX at XXXX XXXX the town is XXXX Pa XX/XX/XXXX XXXX at XXXX XXXX XXXX Pa XXXX at XXXX XXXX XXXX XXXX Pa XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Pa XX/XX/XXXX XXXX XXXX Washington DC XX/XX/XXXX XXXX XXXX XXXX Pa XX/XX/XXXX XXXX XXXX XXXX XXXX Pa XX/XX/XXXX XXXX XXXX Not Valid ( XXXX is an area code for Puerto Rico ) XX/XX/XXXX XXXX XXXX XXXX  Pa ( coming up as not yet ) XX/XX/XXXX XXXX XXXX XXXX XXXX Pa XX/XX/XXXX XXXX XXXX XXXX IA As you can see not one of these phone calls are the same. When they do call and I dont answer the call the dont leave any message on my answering machine. My number is on the do not call list.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: TRUIST FINANCIAL CORPORATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
{XXXX} On XXXX XX/XX/2021 The account was held up for verification after which you decided to close the account and issue a check of the account balance up till date nothing has happened

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 2021-04-20
Company: Ascendium Education Group
State: RI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Keep getting phone calls from the following numbers : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Callers state they are contacting about student loan services and each time I have asked the name of the company they represent but won't give me any further info. I have asked to be removed from their call list ( s ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed bankruptcy in 2014 and XXXX I ordered from are still on my credit report.

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 2021-11-22
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
About three years ago I attempted to assume grandparents estate because I am the estate representative and the home was willed to me. I filed all the appropriate paperwork and Bayview Loan Servicing/Community Loan Servicing denied me and would accept me as the representative although I had the official court docs. I filed case # XXXX and Bayview overturned the decision allowing me to begin the process. A few months later that modified the loan in 2019 and then told me they were supposed to make me assume the loan before modifying. I've spent the last 2 years going through the assumption process due to their delays. The loan was FINALLY assumed officially last year in XXXX, I signed paperwork for modification in XX/XX/2019 and yet I still have no modification paperwork. It's years later and the company has been holding all of my payments and has continued to charge me 3 years of fees for late fees, legal fees and fees for having to front the money. This is fraudulently being done at my expense! I've been paying them since they originally approved the modification of my grandparents loan. I am still 3years later not able to write the interest off on my taxes continuously see years worth of fees being allocated to me fraudulently! They owe me all the fees from the point that they denied my paperwork in error 3 years ago. I have a timeline of documents including the dates and letters from the modifications, emails with the assumptions department etc. This is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

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 2021-03-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
After the card cancellation account and points issue with no notice, Amex finally reinstate my account and points. But since XXXX, Amex had been issuing me three cards that could not be initiated by myself or with the help of representative, I have paid the annual fee for a while but cards don't work as well as all the benefits should come with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage on my home was paid off on XX/XX/20. XXXX sent a faulty Discharge of Mortgage to the County Clerk, and so it was rejected. Since XX/XX/20 I have been asking XXXX to provide a corrected Discharge of Mortgage, but they seem to be unable to accomplish this, and they do not allow me to speak to the parties involved. 

This is very serious, because I have been approved with another lender to refinance the house ... but I can not close, due to this old mortgage, which is paid off, but still showing on record. Meanwhile, I am losing my loan approval with the new lender, I will have to pay for a new appraisal, the rates are rising ... so this Shellpoint delay is costing me a lot of money.

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 2022-04-11
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I continually receive calls from Navient Student Loans about an outstanding student loan. The latest calls were received onXX/XX/XXXX ( 1 ) andXX/XX/XXXX ( 2 ). The numbers the calls came from our XXXX and XXXX XXXX. I had informed the CSR on XX/XX/XXXX that I have no outstanding loans and I have no idea why they would be calling me. She stated that she would make a notation in the system, however, my phone number was listed on a loan. When I asked the CSR who had the loan with my phone number on it she would not give me the name of the person. On XX/XX/XXXX I received two calls within two hours of one another. Again, I informed the CSR that I have no loans and again they said they would make a notation in the system. Again, the CRS stated that my phone number was listed on the loan and again she would not give me the name of the person. I am XXXX years old and my student loan has been paid off for years. I would like the calls to stop and would like to know for my credit purposes who is the person that has my phone number on their loan??.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Experian Information Solutions 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 had XXXX XXXX Which i canceled on XX/XX/2020. After Due to covid-19 everything was shut down. I was not able to return Equipment 's to XXXX. 
Finally I returned equipment 's to XXXX on XX/XX/2020. But i had Dispute with XXXX they Asking {$600.00} But According to Me it was {$330.00} Finally they took {$330.00} from my checking account and sent me satisfactory letter. which i will attached with complaint. Last month an half i was trying to request all 3 Credit Bureaus to delete this account but every time they come up with very unique excuses. 
Which doesn't comply accordance to FCRA

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 2021-03-20
Company: JPMORGAN CHASE & CO.
State: MI
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:
JP Morgan and myself came to an agreement and have a payment plan in place, lates are invalid during pandemic

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to work with SPS for over a year in trying to save my home from Foreclose. I continue to do everything that they ask of me, yet I am still getting the run-a-round. It took me from XX/XX/XXXX - XX/XX/XXXX, after sending the same documents over-and-over again, to finally get SPS to confirm they have a complete application and that they would need 30 days to review, that was back in XX/XX/XXXX! But now, SPS is claiming that they need more information, they claim that my son 's contributions have not been verified! How can this be? It 's been verified 2 prior times ... why does it need to be verified again. Also, my relationship manager, XXXX XXXX, who is suppose to be my single point of contact is NEVER available, and when I call I always get someone else! Today we spoke with XXXX XXXX at ext XXXX who was rude, unhelpful, condescending and combative. We asked that we speak with a manager or supervisor and she refused only to give us a separate number to call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased an American Express Serve Cash Back Card today with the intention of making a purchase without having to use my primary credit union account info. After having purchased the card, unbeknownst to me, the merchant I intended to use it for does NOT accept American Express. I am unable to return this prepaid card back to XXXX for a refund. I have been calling the number on the back card ( XXXX ) literally for hours on end and have been unable to reach any customer service agent. The automated system does not provide you with an option to speak with anyone. Pressing XXXX  does not work either as the line simply disconnects after repeating its pre-recorded message. www.serve.com is not allowing me to register my card, therefore I am unable to set up an PIN to be able to retrieve the funds that I loaded onto the card from an ATM, nor am I able to make any online purchases or pay bills because a billing address has not and can not be set up online at this time. I have been in contact with @ AmericanExpress on twitter but to no resolve as they " don't have access to the prepaid platform via this channel '' I have contacted the American Express Credit Card Dept who also have been unable to help and have simply transferred me to the prepaid platform where the line continuously disconnects. I was essentially robbed, in the middle of a pandemic, and American Express has been everything but unhelpful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
This is affidavit of the truth. My XXXX XXXX XXXX truck was illegally reposed XXXX/XXXX/XXXX from XXXX XXXX XXXX out of XXXX Alabama. This was my deceased husband truck who passed away XXXX/XXXX/XXXX. My XXXX year old daughter inherited my deceased husbands truck when he passed away. In XXXX I received the title and XXXX letters from USAA that truck was paid in full. USAA claims they have no documents on the truck and I have no contract it is a done deal. They stated I have to talk to XXXX and XXXX. They also stated I have a contract with these companies. I have asked for proof and sent XXXX certified and also a XXXX page fax. As of today XXXX/XXXX/XXXX no debt has been proven to me. My vehicle has been stolen from me and I do plan to go forward and sue and what I have learned XXXX companies are involved with this criminal matter. XXXX from XXXX stated they are going to auction my XXXX XXXX XXXX my property who I have the certificate of title and XXXX letters from the bank. This has done an emotional number on myself and my XXXX daughters. I do hope you look in to this and demand the auction to be stopped and my stolen property to be returned ASAP! I have also put a lien on this vehicle as I am the true and only owner. I have also been to the Probate office and they also stated I was the true and only owner per XXXX XXXX. It was also brought to my attention the title was transferred in to my name XXXX XXXX. I find this odd as I had this done when my husband passed away XXXX/XXXX/XXXX he was a veteran served his country and this is the thanks his family receives. I want my stolen property returned tomorrow. I also do n't recall giving permission to these copies to trademark my name or copyright. Please take care of My XXXX XXXX XXXX asap. If Securitisation is illegal under US legislation - primarily because it is fraudulent and causes specific violations of R.I.C.O., usury, Antitrust and bankruptcy laws. And it flies in the face of public policy in numerous ways, as is expounded in extensive detail in an analysis to be published in our journal Economic Intelligence Review XXXX ( XXXX ) with several pages of book, article and case references. 

To begin with, securitisation violates US State usury legislation. Secondly, all 'true-sale ', 'disguised loan ' as well as 'assignment ' securitisations are essentially tax evasion schemes, and the penalties for tax evasion in the United States are excessively severe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am filing a formal complaint about missing funds from my TD Bank Account. TD Bank did not post {$2000.00} from a federal refund to my checking account. However, they did post {$40.00} from a NYS tax refund. Instead of posting a refund, my account is missing funds. This is a clear violation of the Fair Billing Credit Act as well as other ethical business practices. For unknown, as well as unclear reasons, the XXXX Branch of TD Bank, located at XXXX XXXX XXXX, XXXX, NY XXXX, tampered with my account yet again in direct violation of corporate policy and US laws. It gave out my information out to third parties electronically in direct violation of company policies. Additionally, I am concerned with tampering of my checking account and savings account. TD bank also does not provide regular statements for Savings accounts. It only provides periodic documentation. It also does not take proper steps to investigate proper complaints from customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
USAA restricted my ability to access their banking website after i filed bankruptcy. 
Is this legal? I ca n't make deposits or set up electronic bill payment or transfer funds from trading accounts to bank accounts. I want to be able to access and manage my accounts through their main website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation