BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
About 2 months ago I sent in information regarding my last name change due to marriage. I sent in identifying information including my marriage certificate social security card and identification as well as a medical bill. A couple of weeks later I got notified of a change on my credit report and report and negative changes from from a credit monitoring service .Upon looking at these inquiries there were several that that did not belong to me as well as another name that was added on to my account as another name known as, a man, and it also listed addresses in in Nebraska and and XXXX XXXX XXXX XXXX of this information is related to me nor is this person. I contacted TransUnion who said that the company 's had reported my information to them and They then told me that I would need to contact those companies to get a letter or get them to remove the inquiry. After contacting these agencies they never did an inquiry On me, and after contacting one of them and investigating further it was determined that my social security number is XXXX digit different from this other person 's. I believe my social security number was changed to this when my name was updated And this was the person that the companies were reporting to the credit agency, resulting in the combining of his credit with mine. The mistake must have happened when I submitted information to change my name and all of that was entered into TransUnion system. All of these inquiries showed up at XXXX time. After talking with TransUnion on several occasions They shared that they did not make this mistake and that these other Companies had Done an inquiry on me. I have confirmed that they had done inquiries on the other person who is unrelated to me and not myself.. TransUnion is refusing to fix this mistake other than removing his name and his address from my credit report but his address is still there as of a week ago. There are also several soft inquiries and regular inquiries that belong to this man and are on my credit report. I am concerned that if they do not make this change and fix this that all future inquiries that are on this person will be connected to my credit report and that I will never be able to get it removed as there are Several and the companies are not cooperative considering they did not do an inquiry on me. Transunion have also said that they removed his address and have added mine but have not according to the report sent to me a few days ago

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 2021-05-17
Company: Flagstar Bank, N.A.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Since XX/XX/XXXX, Flagstar Bank has been placing my mortgage payment into a suspense account instead of applying it towards the mortgage. After paying my mortgage payment, I have been successful every month since XXXX to get the payment out of suspense and put toward my mortgage. 
However, since my XX/XX/XXXX payment, Flagstar shows that I haven't paid my mortgage. 
I have paid XXXX and XX/XX/XXXX payments. Flagstar collections and loss mitigation are sending me letters and calling me non-stop for my XXXX and XXXX payments although they have been paid. We will pay XXXX 's payment once this has been resolved.

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 2017-06-09
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/XXXX, I visited a Zales store in XXXX to purchase an engagement ring. I was induced to purchase a ring at Zales because the salesman assured me that I would not pay interest for the first 12 months. When I inquired further about the interest, he said that starting on the 13th month, interest would begin to accrue at about 30 % APR. I specifically asked if it was a deferred interest deal and the salesman assured me that it was not.
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I accepted the salesman 's offer of zero interest for the first year and purchased the ring. On XX/XX/XXXX, only a few days after the one year anniversary of the date I purchased the ring, I called Zales to pay the entirety of the bill for the ring so that I would not accrue interest. Much to my surprise, they informed me that I must pay {$620.00} because my promotion was in fact a deferred interest deal. I explained the conversation I had with the salesman and I was offered a 33 % reduction in interest. I asked to speak with a manager, and the manager I spoke with offered me 50 % off. Since I was sure there had been deceptive practices involved in the sale of the ring, both in a misrepresentation of fees and costs and misrepresentation of the benefit of the product, I did not accept the offer. The manager informed me that he would draft a complaint letter for my review and signature and my interest would be stayed for 30-60 days ( I understood that this date would start on the date I submitted the signed complaint ) while it was independently assessed by an arbitrator.
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On XX/XX/XXXX I called Zales to get more information about how to submit my complaint. I again was transferred to a manager who stated that my complaint was submitted on XX/XX/XXXX and was resolved on XX/XX/XXXX. She informed me that interest would therefore not be stayed. I asked her for the 50 % reduction that the previous manager had offered and she informed me that there was no evidence of such an offer being made and she was not empowered to waive any fees or costs.
<P/>
As a consumer I am deeply concerned with Zales ' deceptive advertising practices. I respectfully request a waiver of the interest incurred during the first 12 month period. If this is not possible, I request that my interest be stayed while I seek legal counsel regarding this matter.
<P/>
Respectfully, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have contacted Transunion several times via mail and through the XXXX XXXX and the company does not provide the proof and the investigation needed to have these fraudulent accounts posted to my credit report on my Transunion credit report. I have sent letters on dates of XX/XX/2022, XX/XX/2022, and XX/XX/2022.

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 2022-04-05
Company: EQUIFAX, INC.
State: FL
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:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Ocwen Financial Corporation
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage is with a servicing company called XXXX Mortgage. My regular monthly payment is {$1300.00}. However, I have been making extra principal payments to try and pay my mortgage off early. My payment now due is {$450.00}. The website or automatic phone option will not allow me to make my final payment. They are requiring me to pay {$30.00} for a " payoff '' quote. My loan is now past due and I have no option to pay it. This in my opinion is abuse. I have not asked for a payoff, I simply wanted to make my payments until the note was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: QC HOLDINGS INC
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Threatened to send my information to the IRS, insinuated that I could go to jail, had private investigators looking into me, kept telling me I was paying for their lawyers.

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 2019-12-03
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
ON XX/XX/2019 I madfe a transaction through XXXX via their Zelle service for {$200.00}. The transaction was payment for concert tickets. Once the transaction went through the person i sent the money to disappeared. I have their email and phone number. I have reached out to them individually and they threatened to kill me via text I have filed complaints with both XXXX XXXX and Zelle, but neither will take responsibility for the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Have contacted Marcus by Goldman Sachs multiple times using their information XXXX. 

Contacted them multiple times in XXXX and XXXX of this year, letting them know that i needed to update information, even provided account number etc only to be told that they couldn't not pull up anything and instead put me on hold for over 20 mins and then transferred me another person only to be told my account was being closed. 

Was given no warning or notice of any kind and they had my personal cell # on file along with business phone #. Also received a letter about a change of address that I do not recall making. 

Asked if they could verify the other account that it was linked to and they claimed they couldn't verify that despite me letting them know what bank they should have had on file. 

Was told that the money would be sent back to the original account with in 7-10 days after closing. They did not give me a timeframe/date as to when the account would be closed or when I could expect any of my money returned to other account. 

Did provide them with a physical address during last call, ( California address ) to send any documentation /letters to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
First off, my mortgage company said that I owed {$8000.00} on my   XXXX   statement and I called three times to get an explanation of why they said I owed so much money. The reps could n't explain it to me so I went ahead and paid my regular mortgage payment which was mailed on  XX/XX/XXXX  and cleared the mortgage company on XX/XX/XXXX . In  XXXX , I received another bill saying that I still owed an additional 6k over my normal payment so I called my local mortgage broker to see if they could help. They end up calling the loan servicing company and determined that it indeed was an error on their part. Unfortunately, while my local broker was working out the details with the loan servicing company, I was notified that   XXXX   ( loan servicing company ) reported to all  XXXX  credit bureaus that I was late for my   XXXX   payment. My broker at   XXXX   XXXX   XXXX   got them to finally adjust my bill and even mailed in my may payment for me but they have been unable to get the delinquent mark off of my credit. My credit went down from an average of  XXXX  to an average of   XXXX    and it has quite negatively impacted my personal and business finances. I have called every other day and nothing seems to be helping. I ca n't express how frustrated I am with my mortgage company. It has been nothing with problems.
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In addition to the credit issue, I also have received numerous late payment fees of over {$100.00} even though I have the payment postmarked and on its way by the  XXXX  or the latest the  XXXX  of each month. They say it takes about 10 days to show up in their system but it sometimes takes a lot longer than that and if they post a day after the  XXXX  then they charge me at least {$120.00}.

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 2017-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
OnXX/XX/XXXX, I disputed three items with TransUnion credit bureau ( File XXXX ) by telephone. I explained to the TransUnion customer service representative that I believed that these three items were added either fraudulently or mistakenly on my account. I truly believe that these are incorrect charges placed on my account and I expressed my concern and my request to have these items investigated by TransUnion and subsequently removed from my credit report. The representative explained to me that the investigation would take up to thirty days and that I can follow the procedure online through the TransUnion website. On XX/XX/XXXX only ten days later, the online portal revealed that the investigation was complete on all three accounts as verified, and that on XX/XX/XXXX the results would be placed on my credit report as accurate/verified. OnXX/XX/XXXXI called TransUnion customer service to request information regarding their procedures used to verify medical debt information. The representative claims that the only form of verification they use is the person 's name and address. I explained that that information could easily be incorrect or used by anyone. However after further questioning, the representative claimed that they also verified the information from my social security number. I explained that I felt that my HIPPA rights had been violated and that I never gave any authorization to any party to disclose my protected information. Then the representative told me that if I was dissatisfied with the results of the investigation, I would have to re-dispute the items. I have tried my best to work with TransUnion directly to resolve my issue, but I feel as if they are not trying to help me resolve this. However, I submitted the same disputes with XXXX credit bureau and two items were quickly deleted. Why is it that TransUnion would refuse to remove these items? Is there some form of discrimination being used?

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 2023-04-10
Company: EQUIFAX, INC.
State: MO
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 have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Kriya Capital, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep having different collection agencies putting this XXXX account on my credit report that I have been disputing successfully now for around 2 years. I dispute it and the credit bureau 's keep taking it off then 6 months later another company will, do the same thing. XXXX from XXXX but this not my account. Credence collection agency put it on my XXXX  report total of 3 times within a few weeks .... XXXX XXXX XXXX XXXX XX/XX/2022 and now again XXXX XX/XX/2022. They also placed it on my XXXX XXXX report. I need this to stop immediately thank you very much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-22
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My student loans are wi th Nelnet. When I sign into my account, I can not get any information regarding the term of the loan or how many payments I have left. The only payment details offered are " as of 2014 '', but do not give any term or number of payments left. I chatted with 2 separate representatives and they said that information was not available to me. I said I  find it hard to believe that a payor is not entitled to that basic information and they just maintained it is not. This can not be legal. All I want is some documentation as to the term of my loan and how many payments are left.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: Experian Information Solutions Inc.
State: NJ
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2017-12-05
Company: RFNA, LP
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I just checked my credit report and noticed these inquiries on my credit report and they are hurting my score. I 've reached out to the companies to no avail, and I am at the point to where I am going to contact an attorney and file a lawsuit against these companies if they cant and wont remove these inquiries that I have no acknowledgement about

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 he information is inaccurate.

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 2022-03-06
Company: Incomm Holdings Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
We have received a gift card for {$150.00} for birthday from friends and when we tried to use it, it has XXXX  balance, The card is issued by Vanilla, in a sealed packet, and we have activated prior to going to the store, but it already was activated by some one and all balance is used up. 

Following are the details : Vanilla VISA Gift Card Cust service no : XXXX XXXX XXXX Purchased at XXXX  Store Card number : XXXX Expiry date : XX/XX/29 Cvv XXXX Name, address, ph no Case # opened by calling customer service number : XXXX Rep name XXXX XXXX Email info : XXXX XXXX

Company response to consumer: Closed with explanation