BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXXXXXX 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 2020-03-18
Company: Flagstar Bank, N.A.
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I called Flagstar today because of everything going on with COVID-19. I am XXXX-XXXX  and had a lot of clients cancel because they lost work which then in turn is causing our business to lose money and revenue. In 2 weeks, we have lost over {$20000.00} in revenue that would have other wise came in If not for the coronavirus. A lot of my friends on XXXX and XXXX were posting about mortage companies offering relief and I wanted to see If Flagstar did the same. They said they did not and I could fill out a loss mitigation package which actually could take weeks to review and then my credit would be affected.

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 2020-03-17
Company: Reliant Capital Solutions, LLC
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been homeless twice within the last year and am currently facing eviction. Reliant Capital solutions refuses to refund my tax return of {$1500.00} and {$1000.00} from XXXX and XXXX. Reliant and the Department of Education states they did not refund my money to me because Im not facing eviction however, I am currently facing eviction and have been facing evictions for the past 3 years. Help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-11
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Did not authorize an inquiry. Suspect attempted identity theft. XXXX, XXXX XXXX, XXXX XXXX, SD is the company that made the inquiry. Mi could not find a phone number for 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 2022-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
on XX/XX/2022 at approximately XXXX I contacted XXXX and asked them why my credit report on their site XXXX XXXX own site, did not have my consumer statement. I wanted to also find out for sure if my report could be updated " immediately '' as they said numerous times in many ways can not happen ever. Yet the comments went in right away from Transunion a few minutes before I was speaking with a representative about why they were not showing up in XXXX XXXX credit report for me. They did show up on the accurate and probably true credit report that these agencies keep on us secretly or whatever as the agent read it to me, but it wasn't on my site, I have a screenshot at similar time. XXXX is important and consumers should have all of it. 
This is over a {$18.00} 30 day overdue reported by XXXX to the agencies and subsequent charging me {$2.00} without informing me at all of this {$18.00}, the overages as they were being charged in any way or the reporting. I found out from the free XXXX report and now I am on the path to trying to right this wrong XXXX and the agencies have collectively assigned me due to their broken and unfair system to put people who seemingly have good credit, to having bad credit so we can pay more interest and pay more fees, that is stealing! They should not be allowed to do this and should remove XXXX from my credit report and any and all derogatory remarks forever. They are costing me not only personal damage but my brand new american business a lot of damage too!

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 2021-01-12
Company: Experian Information Solutions 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:
During the beginning of the Covid 19 crisis my income was reduced due to the lockdown and I was late in paying my XXXX credit card bills. I was ultimately able pay after a 3 month period of being late. It was my understanding that the credit card companies would have some forgiveness for late payments but instead it shows as late on my credit reports for the 3 bureaus. This is negatively impacting my credit score. I tried to get the late payments removed but they continue to show up as late

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 2021-01-12
Company: JPMORGAN CHASE & CO.
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:
At the beginning of the Covid 19 crisis my income was reduced due to the lockdown and I struggled to pay my bills on time. I was late in paying a Chase credit card bill for a period of 3 months but ultimately was able to pay. I understood that there would be some forgiveness for late payments during this time however the lates show up for my credit card on the credit card bureau reports. I tried to get these lates removed as it is having a negative payment on credit score but the lates are still being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: USI Solutions Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
they call everyday the last time was XXXX XX/XX/XXXX. they have my name and number but but have me married to someone else, I do not owe this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: APR or interest rate

Complaint:
CitCards has been charging me a penalty/default APR for over 2 years, yet the pricing information for account says the rate only applies for 6 months. I have brought this to their attention, but they have not resolved the situation, and have refused to do so. 

A copy of my email exchanges with them, as well as their Pricing Information is attached. See the section titled " Penalty APR and When it Applies '' and the subtopic titled " How Long Will the Penalty APR Apply? ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-20
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dovenmuehle Mortgage , Inc. failed to apply our mortgage payment for XX/XX/XXXX from the prior mortgage company that we paid in XX/XX/XXXX. The prior company already transferred all payments to Dovenmuehle before the transfer happened. We've been in contact with both the prior company and Dovenmuehle since XX/XX/XXXX and this issue is still not resolved. Dovenmuehle keeps sending debt collection calls on us when we've already made our payment on time ( back in XX/XX/XXXX for the XX/XX/XXXX payment ). We've made multiple phone calls to Dovenmuehle, trying to resolve the issue since XX/XX/XXXX and Dovenmuehle still has not applied our payment back to our account. It is now end of XX/XX/XXXX and our mortgage has already been sold to a third mortgage company as of XX/XX/XXXX. Now, the new mortgage company is saying we're late for our payment, because our first payment was never transferred from Dovenmuehle. We're very frustrated because we did our part to make our payment on-time in XX/XX/XXXX for the XX/XX/XXXX payment after our house was refinanced to the first bank. Just because our loan was being transferred to Dovenmuehle, Dovenmuehle somehow failed to take the payment and applied to our monthly mortgage payment. It is sitting in their suspense account and none of the people we talked to was able to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
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: Was not notified of investigation status or results

Complaint:
I submitted a letter on XX/XX/XXXX regarding unknown and inaccurate information on my credit report.As of this present date, XX/XX/XXXX, I still have not received any response, which is more than 120 days later. I am under the impression my disputes are being ignored and disregarded. I also feel I am being taken advantage of and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the Equifax data breach whichmay have gotten into the hands of unauthorized individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: Wilber and Associates, P.C.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX/XXXX/16 I receiveda letter from Wilber & Associates, P.C. stating they were attempting to resolve a matter in an amicable fashion and that I would need to advise them immediately of insurance information or immediately send payment for insured loss. I had no idea what this was in regards to so I called the number on the paper and A man answered and was horribly rude to me. I asked for acopy of the legal claim and he said he wasnt going to waste his time sending a copy out if I wasnt going to pay it anyways, he then stated he would mark it as a refusal to pay and mvoe forward with his law firms steps. He told meto tell the person in the back of my phone call to be quiet because they were n't helping however I am not going to send a check for XXXX to someone who I dont know without an itemized info sheet on what those funds would be for. When the man hung up on me I called back 2 times to which a woman answered and said hold while I transfer your call and it was transferred two times with no answer. I called back a fourth time and finally spoke with the man I spoke to first and he very quickly said " I already told you what you owe before you can pay that over the phone and it is due by the end of the month, have a great day. '' and then hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was treated unfairly with my students loans from the school I attended. The school was splitting up XXXX loan into small loans causing me to owe more money and making it harder to repay.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Case Number:XXXX XXXX : As per XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, response to my XXXX/XXXX/XXXX, compliant. She states Bank of America do n't tolerate discrimination or predatory lending. I beg to differ with her explanation. Because from XXXX to XXXX XXXX, when they transferred my first mortgage to XXXX XXXX XXXX XXXX. They refused to refinance my mortgage not for lack of documentation. But, because I would not agree to another predatory loan with excessive interests rates, and premium spread. I have documentation that BOA tried to charge me XXXX XXXX, XXXX, and XXXX XXXX dollars, respectively to refinance a conventional loan for me. BOA could have refinance a Veterans Administration loan for me. Because, I 'm a XXXX XXXX Veteran. They refuse, that is the reason they transferred the loan to XXXX XXXX XXXX XXXX. If they had gave me a VA loan. It would have cut my mortgage in half. From XXXX XXXX dollars a month to XXXX XXXX dollars a month. If this is not discrimination. Please! tell me what is. BOA have given XXXX Veterans hundreds of VA loans, if not thousands since XXXX to XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Experian Information Solutions Inc.
State: MO
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:
On XX/XX/19, Experian Report attached below, shows that XXXX XXXX was deleted from my credit file and unlawfully reinserted back on my file almost an year later without notice. Therefore, Im demanding that this account is blocked and permanently removed from my credit file 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 explanation
Consumer complaint received 2016-10-25
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Experian is unreachable by any means. 
I applied for my annual credit report from Experian ( I requested it online through annualcreditreport website ). I was denied because " it had already been requested ''. I had NOT requested it in 2016. I noted on the annualcreditreport website problem option that I had not requested the report and explained my concern about fraud. I have a fraud alert on file because my social security number was fraudulently used to file a tax return. I am concerned that someone has fraudulently requested my credit report. 
I am unable to contact Experian. Every phone number, webpage, etc ends up in a deadend - I can not get a real person or even a means to submit a detailed email for response. 
How do I get in touch with a real person at experian to address the situation about someone else requesting 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 2017-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX/XXXX/XXXX, My wife withdraw from ATM ( Bank of America ) {$200.00}. 
ON XXXX/XXXX/XXXX bank of America deduct from my checking account {$150.00}, I call to find why. 
they said, is, because the ATM give to my wife {$350.00}, The transaction is recorder as a {$200.00} but my wife receive {$350.00}, after more the 2 months ago, I have no proof, And I do n't what else I have to do to resolve this problem. I been in contact with the bank, but nothing is been done to resolve this situation.I been in the phone hours trying, telling them ta My wife just receive $ XXXX.hoping somebody can help me.

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 2016-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
During a loan modification process, prior to having the partial claim document recorded by the county, [ over a year after I signed & had it notarized ] a Bank of America employee modified the document, crossing off the work 'subordinate ' [ as it appeared before the word 'mortgage ' ] several times from the document, without my knowledge or consent.

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 2021-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Hi & How are you doing? Im a little confused about how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of the consumer to dispute information directly with the furnisher. Late on XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX??? 

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: Navient Solutions, LLC.
State: GA
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:
I feel like I have been taken advantage of by XXXX College, XXXX and XXXX XXXX, now Navient student loans in XXXX. XXXX convinced me into unaffordable student loans which not until after I graduated in XXXX, realized they were private loans. My loans today in XXXX is still about {$80000.00} outstanding! I 've been through deferment and forbearance and all of the steps to find relief and lower payments. I 've been denied the public service loan forgiveness which I never fully understood why. I am currently in year XXXX working in non-profit public service. My loans which they tell me can not be consolidated and the lowest they got down to is roughly $ XXXX/month. I am on-time with my payments. I pay through electronic funds which the discount is included in the $ XXXX/month. Since I 'm married I 'm not able to claim student interest on my income taxes. I have XXXX children. With the income I make, I am not able to enjoy the fruits of my labor to the fullest as it seems as though I pay XXXX mortgages ( well XXXX for real and the other in student loan payments ). I am somehow on a 25-year plan which means I will be XXXX+ years old before paying off this loan. This has to be some kind of mistake. I did n't go to school so that I can pay student loans and be in debt for the rest of my career and life. I do n't know what else to do, but do n't feel I should still owe close to {$80000.00} in combined private and federal student loans. I pray that I find relief in this somehow without have to pay for a lawyer or financial advisor which will put me in more debt. Somehow I would like for President Obama to know about my situation as I know he is doing his best to help students find relief. I 'm lost confused, disappointed and feel suckered at making these payments monthly. Oh and may I add that all of training was done online with XXXX College. I never stepped foot on a campus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have used AnnualCreditReport.com with no issues for years. The last XXXX times I 've tried to use the service it has failed starting in XXXX of 2015. This time when I tried to get my report from Experian, after entering all my information it immediately goes to a page that says, " We were unable to honor your request. If you entered your credit card information, we did not charge you. '' Then it proceeds to tell how to get a credit report, how long it will take and how much it will cost. It also requires a copy of a government issued photo ID and a recent utility bill or like document. 

This is totally unacceptable. I did a quick internet search and have found similar complaints from many others. it appears the credit reporting agencies are not holding up their agreement to provide a free credit report annually to those who request it. I am asking you to contact them and require them to correct this error immediately. 

Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
Company: Affirm Holdings, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I contacted Affirm in XXXX of 2022 because I received emails about an account that I did not set up or authorize. I also mentioned to Affirm that the account was fraudulent and no payments were ever made or received from any credit cards or bank cards or bank accounts associated with my name. They didnt resolve the matter & told me I was responsible although I never made any payments on the account, as I couldnt because I never made the account. I explained that the affirm account isnt linked to any of my bank cards as a method of payment so I dont understand how a victim of identity theft is responsible for the payments.

Company response to consumer: Closed with explanation