BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported 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 non-monetary relief
Consumer complaint received 2022-06-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have an XXXX XXXX credit card that was closed due to fraud without any further explanation. Attempts have been made to understand the details, but XXXX XXXX XXXX only explained to me over the phone that the account was opened as a result of fraud. As such I replied that I made more than XXXX XXXX dollars in payments to the account and requested that money be refunded. XXXX XXXX XXXX referred me to Wells Fargo for any disputes. I filed dispute with Wells Fargo but Wells Fargo sent me a letter dated the very next day of the dispute that they had investigated the dispute and determined the payments were authorized. The bank should have disputed the transactions to find out the result from the party I filed the dispute against. Instead they had determined they did not have to investigate the ACH payments disputed.

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 2022-06-10
Company: EQUIFAX, INC.
State: NY
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 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 2020-06-22
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance back in XX/XX/2020 and I was approved and all set with the mortgage. 

However, I come to find out New Rez, XXXX XXXX, had cancelled the mortgage without notifying me. 

I paid for the appraisal XXXX. And my credit score dropped because of this process. 

I then spoke XXXX XXXX XXXX XXXX who told me I had to apply again XXXX I did but he has been unresponsive for over 3 weeks. 

I have tried to speak with managers, and others with no luck. 

Vincents information XXXX XXXX Mortgage Consultant NMLS # XXXX P XXXX F XXXX M XXXX XXXX XXXX XXXX information XXXX XXXX Processor P XXXX F XXXX XXXX XXXX NewRez LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-23
Company: Early Warning Services, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I have never opened a checking account with XXXX and i have sent in my police report my FTC report to EARLY WARNING SERVICES and all they keep saying is its veried but they will not send me proof. I WOULD LIKE THIS ACCOUNT REMOVED IMMEDIATELY FROM MY ACCOUNT AS I DID NOT OPEN THIS ACCOUNT and this is defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: WA
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  Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : U.S. DEPARTMENT OF EDUCATION Account # XXXX, Account Name : U.S. DEPARTMENT OF EDUCATION 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 2018-07-10
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Did not receive notice of debt and right to dispute. Balance is {$640.00}. I do not know the date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Over a year after receiving my Care Credit card and making payments, I reviewed all of my statements collectively and noticed a pattern of " Card Security '' fees. I don't recall opting in, but I was being charged monthly, plus interest. In my communications you will see that I also complained about the same issue with my XXXX  XXXX Store Card. 

On XX/XX/2020, I contacted Synchrony by XXXX, asking why they were charging me for this service. They responded on XX/XX/2020, explaining what the service was. I wrote back noting that my question had not been answered, and that I still needed an explanation. I was never given an explanation or evidence that I signed up for this. 

On XX/XX/2020, I was sent a message saying that they noted my request for cancellation and would be issuing a credit for the charges. The turnaround time was 7-10 days. Today I reviewed my statements and noted that I was never issued the promised credit, and that they have continued to bill me for the card security fee despite my cancellation. I have attached a PDF copy of our initial communication to this complaint, as well as copies of the statements that I have received post confirmation of cancellation. 

For reference, I have an {$800.00} limit on the Care Credit card. After over a year of payments, I currently owe {$740.00}. It should not be possible that I have only paid off a little over {$50.00}. In part because they have continued to tack fraudulent charges and interest onto the balance monthly, eating up almost half of what my base monthly payment is. There will be no way for me to get out from under these debts if they keep charging me for something I never asked for. 

We are in the midst of a global pandemic and people are losing jobs and experiencing reductions in pay. Fraudulent charges and collecting interest on top of it is absolutely unscrupulous. This is fraud. Especially when I have explicitly said that I didn't recall opting in, wasn't told when I supposedly opted in, and formally cancelled months ago. Multiple violations warranting legal action have occurred here. I was initially willing to give the benefit of the doubt and wait for the credit that was promised, but not honoring that promise and continuing to charge me for a cancelled service is not okay.

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 2022-08-05
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX I submitted Check # XXXX for {$1000.00} to pay the XX/XX/2022 mortgage payment, which was the month due on my account. This check cleared my credit union on XXXX. The company has not updated my mortgage payment to show that the payment due is now XXXX. It still says that XXXX is still due and the check I sent even states sept. XXXX payment on it and the payment coupon I sent with the payment was for XXXX. I did not complain last month because the mortgage company applied my payment correctly and there was no need to complain. In each of the companies responses to my complaints is that they accept the current month plus XXXX month and that is all I am, but they still do not apply my payment as a mortgage payment. I am current month ( XXXX ) plus XXXX month ( XXXX ) paid and next due is XX/XX/2022. Please apply my payment as a mortgage payment and update my acct to show next payment due is XX/XX/20XXXX 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 2022-01-05
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have an auto loan through Credit Acceptance. Today XX/XX/2022 they repossessed my vehicle with out sending a right to cure the vehicle. Im at a loss at what to do.

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 2020-08-19
Company: Law Office of David A. Fernandez
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: Information belongs to someone else

Complaint:
sending me bogus letters about a debt that I do not owe David a fernandez pc  XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 reached out to the bureaus explained to them by law the had to ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles. 
I was a victim of identity theft since XXXX I tried to get them to do their job .I sent in ftcs, asked them to investigate the accounts and blocked them the refused too, they have addresses that don't belong to me on my report, jobs, names and etc .I sent the companies letters too over the course of 2-4 months with no reply. ive called spoke to reps asked them to please fix this, I got sick with virus so I stopped for a lil while than my grandmother died due to the virus and I couldn't even get a loan to help cover the funeral expenses because the bureaus refuse to do their job.I explained to them how things happened In my life that could've lead to this, I put it in ftc report like I was told to do by someone when I called, I was robbed walking home from work some time ago, I had all my personal items in there I didn't know I was supposed to check my credit I pulled my credit to get a loan to bury my dad that's when I learned of a these fraud accounts on my credit report .I didn't open these accounts or give anyone permission too .i explained that one of my first cousins and I have the same name I haven't seen her in years and we both stayed at the family house we grew up together in .they had a person name XXXX XXXX and all type of bad information on my credit profile .I asked for them to send me what they have from companies saying these accounts are mine because theyre not. please help me /.I am in a crisis lost my job, lost my grandmother and these people have me on the edge I will be looking into getting an attorney to sue I am emotionally distressed this is wrong .XXXX  is the worst they don't even budge to try to follow the law.can u please have them send me what they used to determine these accounts was mine because their lying their fraudulent this has cost me so much stress

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 2021-07-23
Company: OneMain Finance Corporation
State: SC
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:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: U.S. BANCORP
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage from US Bank on my house at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  As part of the mortgage US Bank collects escrow which includes home insurance and property taxes. For the year for XXXX, I have already paid the property taxes and nothing is due. 

I have conveyed this to US Bank in XXXX. As per the escrow rules, US Bank is supposed to recalculate Escrow and refund to me the extra amount collected. In addition, US Bank has an obligation to stop collecting extra money from me for XXXX for which it has no use. 

Despite being asked numerous times and making a declaration to CFPB that they will issue me a refund and adjust my payment, US Bank has not made this change. They continue to collect extra escrow from my account illegally every month. In addition, they illegally hold onto the extra escrow already collected from me. 

In XXXX # XXXX, US Bank had admitted their wrongdoing and told me they would fix it within XXXX business days of XX/XX/XXXX. That also did not happen and again they have stopped responding to me even on their escalation email : XXXX These acts are blatantly illegal and meant to harass home owners. In addition, US Bank has lied to CFPB about resolving this matter.

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 2021-07-23
Company: ENCORE CAPITAL GROUP INC.
State: NY
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:
These accounts don't belong to me. please remove accounts : 1. Identity Theft MIDLAND CREDIT MANAG Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: Rosebud Economic Development Corporation
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
In XXXX I took out a {$500.00} loan out of desperation in XXXX XXXX. I did understand the interest was higher than usual but was told that payments would take money off the principal and it was able to be paid SHORT TERM INSTALLMENT. In fact because of the structure it is n't set up to let you get anywhere - I also did not know that these types of loans are illegal in PA and that the state is going after these companies for trying to evade state and federal laws for the exorbitant interest charged. despite making biweekly payments of over {$140.00} I found that in XXXX I now owed {$670.00}! They called my employer looking for me even. I tried to have a negotiator talk to them but have not been able to get anywhere with them.

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 2021-04-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN
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 pulled a credit report on XXXX and notices a credit card for {$10000.00} was opened in my name under USAA Savings Bank. It was opened under XXXX XXXX XXXX my name is XXXX XXXX. The account was opened XXXX. 

I spoke to USAA ( XXXX ) and they reported the account as fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-04
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Hi, just open my mail and see this master card on my name i was big surprise and upset how this is possible company name is NETSPEND I already try to call on those number on the card and also customer service for NETSPEND and just getting those Automated calling system asking me to activate the card I received and I know when I do that there is no way going back, I already spend to much of my time on this, Please do something about this NETSPEND. there are with XXXX and Address on the paper is, XXXX XXXX XXXX, TX XXXX. 

THANK YOU. 

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 2020-12-23
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: Their investigation did not fix an error on your report

Complaint:
This is my third CFPB complaint filed against Equifax about this matter. Equifax HAS NOT provided to me documentation from XXXX XXXX XXXX  # XXXX. It has been over 30 days since Equifax promised me these documents through the CFPB. Personally, I have not been able to get documents from XXXX XXXX, despite my MANY requests and can not understand how this account continues to report on Equifax 's file for me. Certified letters to XXXX XXXX attached. This inaccurate reporting is affecting my ability to obtain employment and housing during these horrible times. I am begging for help. I have spent over 8 months and several hundred dollars communicating with Equifax and XXXX XXXX XXXX. I am begging for Equifax to begin following the FCRA and remove this inaccurate reporting. The next option is for me to file a lawsuit against Equifax, should this not be resolved. Attached is the latest CFPB complaint response from Equifax stating that they are getting documents to verify account. Certified letters sent to XXXX XXXX and Equifax. XXXX XXXX DOES NOT have loan documents regarding this account, so this tradeline must be removed accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Experian Information Solutions Inc.
State: MD
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:
On my Experian credit report, an inaccurate, negative item from XXXX XXXX XXXX appears. Despite my repeated requests for proof of validation, Experian has failed to validate this item, while continuing to report this negative item on my credit report. 

I contacted XXXX XXXX, the mortgage company, which should be the reporting entity and asked for a history of this loan. They provided a letter ( attached ) and were not able to validate XXXX XXXX involvement in this loan. I am requesting that XXXX be deleted from my Experian 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 2022-06-10
Company: Experian Information Solutions Inc.
State: MI
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 Account : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX  ; ( XXXX ), XXXX XXXX XXXX ; ( 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 2021-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
There are a few accounts on my credit report showing late payments that I don't believe I was ever truly late on! I disputed this with the bureaus on XX/XX/XXXX to try to remove these or even get clarification from the bureaus/creditors why they were reporting me late. I never received any communication from anyone so I attempted again on XX/XX/XXXX. Once again, still no responses or communications from anyone. So now I am filing this complaint because I do find it hard to believe that the bureaus wouldn't communicate with me in 4 months. This is hindering my future immensely!

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