BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-26
Company: Texas Guaranteed
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
Texas Guarantee has been trying to collect payments for a student loan that 's not mine. For the past 2 years, they 've taken my tax return and I 've to them the loan is n't mine. They just have an electronic signature. Then I reach out to the school XXXX, asking for information because the debt is n't mine, and they forward an email between the student and a teacher. I tell the school that 's n my email and also ask them why they 're reporting XXXX loans on my name ; however, they never responded. Texas Guarantee is trying to garnish my wages if I d agree to a payment plan for a debt that 's not mine, and they 're starting on XXXX XXXX. The previous wage garnishment letter they sent me, was sent to my address, but the employer was n't even mine. There are discrepancies on a lot of things, and I was even in the country. I 've messa the school and I 've sent certified letters to TG, but have not received a response. I make little money and have a lot bills, and medical bills ; therefore, wage garnishment will put me in a very bad situation. I never received a check, and did not attend the school. This is between TG and the school.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Filed Bankcruptcy in XXXX got Discharge in XXXX. Included in that bankruptcy was the Home Equity line of credit from Suntrust Bank. For some reason Suntrust Bank is saying I have a past due payment of {$4100.00}. from this Home equity line of credit. When the bankcruptcy was file there was no past due amount. Also on my regular mortgage payment it has been current up to XXXX/XXXX/16. I need for Suntrust to correct his error in statement on my credit. ( Documents provided )

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 2020-09-25
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I sold my home at XXXX XXXX XXXX on XX/XX/2020. US Bank owes me approximately {$380.00} due to an overpayment. I've been trying for nearly 2 months to get that payment sent to me and they are not sending it, even though the pretend like the " check is in the mail. ". I've called at least 5 times, been told it will be resolved, only to never have my money arrive. They have no problem mailing me credit card offers, closed statements for my old checking account, or any other documentation. It's ONLY the money I'm owed that never gets to me. They also never have provided a written closing statement to me.

I've attached a statement with my account number and name so my info can easily be ID 'd.

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 2022-08-27
Company: Santander Consumer USA Holdings Inc.
State: LA
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:
A fair solution would be to fix the errors on my report especially the late fees that already have been paid in full!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 did not authorize anyone employed by these companies 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 these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security 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 non-monetary relief
Consumer complaint received 2015-08-13
Company: SUNTRUST BANKS, INC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is the XXXX time in XXXX years that Suntrust Mortgage has grossly mismanaged my escrow account. They continue to say I have an 'overage ' in my escrow and mail me a refund check but then immediately raise my mortgage payment saying there is an 'underage ' for the year. 

So I 've made a lump sum payment to Suntrust to cover the 'underage ' and now I 'm being told they ca n't accept that payment because the escrow needs to come from current payments and not a lump sum. So once again I have an 'overage ' in my escrow account for the lump sum payment I made at the advise of a 'mortgage specialist '. 

This continues to happen once a year with this company and then when I call and speak with 'mortgage specialist ' they provide information to correct the issue which always turns out to be incorrect once I escalate to speak with a manager.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing will not remove my PMI. My loan balance went under 78 % of the apprised value at the time of the loan in XXXX of XXXX. They have since charged me twice ( XXXX and XXXX ) for the PMI. I have been given the runaround on repeated phone calls to them. The last call was on XXXX XX/XX/XXXX and I was told the PMI was " up to the investor ''. I believe this conflicts with the Homeowner Protection Act.

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 2020-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
There are currently numerous inquiries and accounts listed on my credit report that I have no knowledge of. These inquiries and accounts were not authorized or initiated by me and was a result of fraud or malpractice.

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 2021-03-25
Company: GOLDMAN SACHS BANK USA
State: GA
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:
Apple Card is reporting erroneous lates on my credit file. That late is from XX/XX/20. I was experiencing hardship during COVID and received a few lates throughout that time that I was experiencing hardship. This was really damaging to my credit. I had high credit limits and all those were all brought down. So not only did my credit utilization XXXX  but with the lates my credit took a huge loss. I am asking that you to please remove the reported lates during the pandemic. I was in contact with you and let you know I was experiencing hardship. Under the federal mandate, CARES ACT, you can not report lates during the pandemic. I have been a long time customer and if you review my file you will see the only time I was late was during this troubling time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Experian Information Solutions Inc.
State: AL
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 soon to be ex-wife who XXXX XXXX XXXX XXXX XXXX this year used my credit cards while I was in the XXXX. We are presently awaiting court for her to be prosecuted. I paid off the account and asking XXXX XXXX to forgive me for all late payments that she did.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I recently began getting my wages garnished by XXXX XXXX XXXX who claimed that they had a jidgment against me for over XXXX. I was never served judgemnt papers or even a notification of the court filing or date. I also never was notified about the garnishment. The actual debt is not even on my credit report so Im not sure how they are collection money I do not owe. When I called the attorneys office they used they had an address in a different state to which I live.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Although the Fedloan Servicing website gives instruction on targeting payments to allow extra payments to be applied to loans with high balances saving the consumer XXXX of dollars, they failed to acknowledge or apply the written request. I utilized the sample student loan payment request online and by mail and this information was ignored while these extra payments were split among all loans. When calling Fedloan Servicing they stated they could not target loans based on the instructional letter I would need to sign up to allow them to auto debit my payments or call monthly to make payments. This is not the information which is described.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My private loans through AES are outrageous. I have tried to work with them. They give you no options to repay the loans. They keep tacking on fees and other charges. Each time I call I get a different story from XXXX of the customer service people. It is never the same. I am drowning in debt because of them. I have been unemployed numerous times over the last couple years. I call and they tell me i have to pay anyways. There is no income repayment plans. Nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26
Company: Mid-Atlantic Finance Co., Inc.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I bought a car at a buy here pay here location and they sold my contract to another Loans co Without myself permission I do not believe I have to pay a loan co that I did not borrow from so in turn I would like the derogatory loan removed from my credit and let out if the deal alltogeather or send me the title to the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: EQUIFAX, INC.
State: TX
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 to FCRA Equifax, XXXX XXXX XXXX, and XXXX are breaking the law improperly misuse of credit report. account # XXXXXXXX XXXX XXXXXXXX Bankruptcy Court.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: CITIBANK, N.A.
State: UT
Product: Credit card
Issue: Rewards

Complaint:
I received an offer in the mail from Citi Bank for a new credit card. The name of the credit card was Platinum Select XXXX XXXX master card and the bank name is Citi. The offer stated that I was eligible for the credit card and if I spent {$3000.00} in the first 3 months that I would receive XXXX XXXX miles. Since they sent me the offer I applied for the card. I was instantly approved for the card. I got the card and started using it. I spent over {$4000.00} dollars on the card and I called in to see when I would get the XXXX bonus miles and they said I would receive them soon. I called back a month later and they told me that I was not eligible for the XXXX bonus miles. I just want Citi to stand up to their word and honor their commitment and give me the XXXX bonus miles.

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 2022-08-27
Company: EQUIFAX, INC.
State: TN
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:
The company XXXX finally responded that the account is accurate on XX/XX/18 to CFPB but they would put it on hold until they could verify it with the creditor. That is not true. I do not owe them or the creditor they are collecting for. They also responded that my name is XXXX XXXX that is inaccurate as well. Which shows me that the company frequently makes mistakes. The company responded that the collection would be put on hold and reinvestigated. The collection still shows on my credit report as of today. I would like it removed completely. I have yet to receive anything from XXXX, the credit bureau, or from the creditor to show that the account is accurate. I spoke with the original creditor over a month ago and still havent received anything to show I owe them. This inaccurate account has caused significant financial and emotional harm to me. Equifax has failed to properly investigate the inaccuracy. My rights have been violated and I want it stop now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Hello, my name is XXXX. To whom this may concern. TransUnion and XXXX  deleted some items off my credit report and decided to put them back onto my credit report. Which is against the law by the Credit Fair Reporting Act. I just want your help with ensuring they delete these items back off my credit report and to never place back on my credit report. Thank you

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 2017-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have no morage taken out in XX/XX/2014, because I do n't have a home to take a morage out on I own a trailer house. Also I no longer have a loan out on my vehicle it was repossessed and sold by 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 2022-10-02
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX account # XXXX, has violated my rights. XXXX account # XXXX, has violated my rights. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I need a copy of the original debt with my signature on it, also need a copy of Name and Address of the original creditor. I need the full payment history of the original creditor. I also need proof that they now own and been assigned to collect the debt from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: EQUIFAX, INC.
State: MN
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 have submitted multiple FTC reports and Equifax has failed to act on each one. I have attached another one to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Thaxton Investment Corporation
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XXXX XXXX I tried contacting the creditor to advise it was a problem with the site and my payment was not being accepted. I ask them not to report the late payment they agreed but when I looked on my account they reported the late payment and it dropped my score significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS/INQUIRIES AND LATE PAYMENTS that are inaccurate. Please remove these negative items from my credit report immediately.

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 2020-09-25
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am a victim of Identity theft, someone obtained my SSN, DOB, and opened two bank accounts in my name at my bank, but used a New York address which " red flagged '' the XXXX XXXX XXXX  Fraud Dept [ XXXX ], they called and I advised them it was not me so they closed the accounts. I contacted Hawaii Police Department and filed a report and openned an account with the Federal Trade Commission and followed their Identity Theft Guidelines. Which was to do Fraud Alerts and Account Freezes with the 3 Credit Bureaus. I contacted XXXX  and they were helpful : they put a instant fraud alert which they said they send to Equifax and XXXX, and  XXXX  froze my account with them, but said I have to also freeze my accounts at the other two credit agencies separately. I froze my account at XXXX  as well they confirmed the Fraud Alert. Then I opened an account with Equifax, on line and submitted all my information, had a password etc ; requested a Fraud Alert : ( 1 ) they said no immediate fraud alerts only the 7 year " write-in mail '' fraud alert ; ( 2 ) I am doing that ; ( 3 ) I tried to do an account freeze and instead Eqxuifax cancelled my account, refused me  access to freeze my account ; and refuse to allow me to freeze my account over the phone. Equifax is completely uncooperative with me. There is absolutely no reason I know of for Equifax to refuse me access to my account or properly deal with me over the phone I am complaining because I am an Identity theft victim, who is being victimized again by Equifax 's unreasonable cancellation of my account and refusal to deal with my phone calls after I identify myself, give them my ID, then ask me numerous questions about my alleged financial activities, which I would have to have all my records in front of me to even be able to answer. It is completely ridiculous. Why is Equifax refusing me access to my own account? There is something wrong, but they refuse to deal with me over my own accounts. I need the government regulators to investigate why they are refusing me online access to my own credit accounts when I give them all my personal information, email, password etc. It is very suspicious to me.

Company response to consumer: Closed with explanation