BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On or about XX/XX/2021, Me and my fiance ' provided a background screening report to XXXX to be considered for a rental apartment home. On XX/XX/2021, I was denied by XXXX due to a past " Delinquent account ( s ), '' -- in which one of the delinquent accounts being XXXX XXXXXXXX XXXX  ancient " 30 days late '' reporting to my credit report from nearly 4 and 6 years ago! I thought late payments only stayed on reports for up to 2 years? This is ridiculous!

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 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Bank of America used highly misleading wording on both its website and its terms and conditions, which duped me into inadvertently doing a cash advance when I was trying to do a balance transfer. As a result, I was charged exorbitant interest after I was led to believe the transaction would be interest-free. 

I opened a credit card with promotional APR of 0 % on purchases and balance transfers. In XX/XX/2021, I transferred a balance of XXXX. Based on the terms of my credit card, I understood this transfer to be interest-free, with only a 3 % fee. 

I was very careful to avoid doing a " cash advance '', since I know that cash advances are not subject to intro APR. I specifically sought out the balance transfer option, and based on promotional materials I understood that a balance could be transferred to my checking account under the above terms, with 0 % promotional APR. However, the bank processed my balance transfer as a " Direct Deposit Cash Advance '', even though the website led me to understand it was NOT a cash advance. 

The terms and conditions listed only 3 interest categories : Purchases ( 0 % intro APR ), Balance Transfers ( 0 % into APR ), and Cash Advances ( high APR, no intro rate ). 

Attached is a screen shot of the screen where I was asked if I wanted to do a Cash Advance. The screen has a warning in bold that a cash advance would incur interest. I DIDN'T choose that option, and instead, selected the alternative option. Based on the text I saw, any reasonable person would conclude that I was not doing a cash advance and would not incur interest.

I just discovered that the {$10000.00} I transferred was actually processed as a cash advance and I've been charged over {$1300.00} in interest on it to date. I believe these charges are fraudulent because I was misled by the website 's wording, and I believe the website was designed to mislead in this way. 

Screen shot of statement also attached, showing interest charges.

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 2020-06-11
Company: Fidelity National Information Services, Inc. (FNIS)
State: CO
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:
CHEX SYSTEM AND XXXX XXXX  WILL NOT REMOVE THE INQUIRES AND IN ACCURATE INFORMATION FROM THEIR RECORDS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: Navient Solutions, LLC.
State: ME
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient would not allow me to make a payment toward my principle balance. I had to talk to XXXX levels of supervisors before someone would " allow me to make an exception '' and make a payment toward the current interest and whatever was left over would be made toward the principle. My regularly scheduled payment was not due for another two weeks. I am very unhappy that they would n't allow a payment directly toward the principle ONLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 I attempted to make a payment for my loan on my house. It was late, but within 30 days and so I should have been in the clear to make a payment. 

Logging onto MyLoanCare 's online payment portal, the system refused to accept my payment stating to call customer service. I called customer service and attempted to make a payment via the phone system, which also had an error and refused to accept my payment. It then redirected me to a live human representative, who I asked to make a payment with. The individual put me on hold for over 30 minutes before the system redirected me to another customer service representative.

This next CSR put me on hold again for 5 minutes after stating there was a " stop '' on my account so that they could " recalculate principal balances '' preventing me from making a payment. She said she would need to speak to a supervisor to attempt to remove this stop to allow me to make a payment. After returning from the hold, she stated she was able to remove the " stop '' and that I should try the online system again in 20 minutes.

This was already late in the day and so when I attempted 20 minutes later, the system did not accept my payment. I attempted again some minutes later and was locked out. 

Calling the automated phone system later in the evening did not work as well. I was unable to dedicated another 30 minutes+ to waiting on hold as my 3 year old child needed dinner and to be put to bed.

Attempting to use the online system later, they now are reporting it as " 30 or more days late '' and I suspect will report to the credit union. I believe Loancare and the mortgage company behind it is attempting to force a 30day late to prevent a refinance to my employer XXXXXXXX XXXX or for other unscupulous reasons.

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 2020-06-11
Company: FISERV INC.
State: CO
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:
XXXX  XXXX AND XXXX XXXX  WILL NOT REMOVE THE INQUIRES AND IN ACCURATE INFORMATION FROM THEIR RECORDS.

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 2022-05-15
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX XXXX. I am a victim of identity theft. I did not authorize these accounts. These accounts are fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I had a credit card account with XXXX XXXX from XXXX to XXXX. I paid the credit card faithfully until I was laid off in XXXX. The credit card went into collections in XXXX. I paid the collection company from XXXXto XXXX.I stopped paying on it because I hit hard time again. So XXXX in XXXX the XXXX XXXX account went The Law offices of Hayt, Hayt, Landau, LLC. stating I owe {$2100.00} and {$13000.00} went to interest. When I sent my response letter to them, There response was a letter and XXXX XXXX statements from XXXX XXXX. Not anything I paid to the collection agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX is reporting an old, paid off, mortgage as currently delinquent to my Equifax report. It was paid in full in XXXX of 2013, but is showing 120 days late at this point. I feel XXXX did this as retaliation for my dispute. I filed one complaint under their name, but need this fixed with my Equifax as I 'm currently in the process of applying for a new mortgage. XXXX is also reporting it as still open as well as the original loan amount at {$580000.00} when it was actually {$58000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SOUTHWEST CREDIT SYSTEM LOCATED AT : XXXX XXXX XXXX XXXX, TXXXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$390.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: NH
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 working with the SBA for disaster relief funding and they have suspended and potentially could deny my application because they reported to me that my credit report is frozen. I did not request freeze and the other two agencies, XXXX  and XXXX, I verified that they were not frozen. I believe that the freeze that is in place is in error and was not requested by me. 

The process for requesting a freeze is in writing only which I did not do. And the request to remove is the same process.

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 2021-12-31
Company: EQUIFAX, 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:
I have disputed illegal inquiries on my Equifax report and received a response dated XX/XX/21 that all of them were verified. None of the inquires included proof of their validity. Furthermore, I have attached letters from the companies XXXX XXXX, XXXX and XXXX XXXX stating that their inquiries will be removed, but Equifax sent me results with completely different information than what was given to me by the actual companies. This is another issue of Equifax not truly investigating my request and just sending me an automated response without looking into my issue. I have three seperate inquiries from one company whom I have never heard of before, XXXXXXXX XXXX XXXX. I am curious to see what information was received from the company verifying these inquiries which I have never been provided. XXXX XXXX has stated that they do not put inquires on accounts, yet one is on my Equifax acct on behalf of this same XXXX company. I have attached Equifax 's results also. I am still disputing with XXXX XXXX XXXXXXXX, as I have yet to receive actual verification that this inquiry is mine from the company nor Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: V and H Portfolio
State: OH
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., VANCE & HUFFMAN XXXX XXXX has violated my rights. 

15 USC 1661 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 an account without my written consent or 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 purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-05
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The bill with XXXX was my fathers who is dead I only lived at the house with them but never had a electric bill in my name in my life, when my parents died they put the outstanding bill in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: Experian Information Solutions Inc.
State: GA
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:
I have written to XXXX, Experian and XXXX regarding their practices regarding my FICO score calculation on several occasions disputing the decreasing of my FICO score resulting from inquiry requests when I have placed a freeze on my credit file preventing any activity that would impact my FICO score. I was told as long as I have a freeze on my credit file NO ONE would be able to see my report and my FICO score wouldnt be impacted. My FICO score has decreased for the past year without explanation other than inquiry requests that were blocked by my credit file being frozen. XXXX, Experian and XXXX has either refused to respond with a legal explanation for the decreasing of my FICO score. XXXX, Experian and XXXX is illegally decreasing my FICO preventing me from becoming a homeowner for 3 years now. I am asking the Consumer Financial Protection Bureau to investigate XXXX, Experian and XXXX practices of calculating my FICO score. Thank you in advance for all of your assistance regarding this matter. I have attached my credit report reflecting my FICO score for the year of 2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I worked for XXXX XXXX XXXX XXXX from XXXX. XXXX was created after I left thecompany. I was never billed for such service. The collection company is awareand broke the law and reported on my equifax file without sending me a 30 days notice. 
I have disputed with Equifax XXXX times online .Equifax has never verify this account. 
I never had such bill. I would like Equifax to verfiy. Equifax is reporting it as unkown billfor unknow service.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Received a bill not itemized from Nissan Credit 60 days after turning in a lease vehicle for {$600.00}. Deduction of {$290.00} was expected, other deductions were bogus. Called and was told rear carpet of car had to be replaced, bogus, I am XXXX and no one even rides in rear, said there were XXXX other deductions but would not tell me what they were, said there were duplicates on bill. I requested a itemized bill and never received. Have tried to pay adjusted bill and 3 yrs later have never received. They reported to credit bureau as a write off. Called many times and requested a itemized bill and all I was offered was a XXXX % discount, not, would still show as write off on credit report. They would take payment over phone, not, but still would not send bill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-07
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Santander Bank, branch @ XXXX PA closed our XXXX ( XXXX XXXX ) accounts on or about XX/XX/2015. Representatives at branch & compliance told us they mailed XXXX checks for the ending balances. As of this date Santander Bank has lied misrepresented and refuses to return our deposit money, {$28000.00}. Branch Manager XXXX XXXX is not cooperating, nor is XXXX or XXXX ( branch assistants XXXX. Compliance Dept has told us XXXX times that the branch closed the accounts and is able to issue us a bank check at the branch however, no one is cooperating. Our XXXX may close as a result of Santander Bank 's fraudulent representations and refusal to return our demand deposit money, principal amount owing {$28000.00}. We ask the honorable CFPB to open an investigation and seek justice which we believe is the principal amount plus penalties and interest. Thank you.

Company response to consumer: Closed
Consumer complaint received 2016-06-20
Company: General Motors Financial Company, Inc.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
This case was dismissed in court against me for this company on XXXX/XXXX/2016 case number XXXX because it was passed the stature of limitations. I did forward this information to all XXXX credit bureau. I did not dispute that it was not mine but that it was dismissed in court. They responded with this message. XXXX We have researched the credit account. Account # XXXX The results are : We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX TX XXXX XXXX : ( XXXX ) XXXX. I am disputing the fact that my report should have been updated and it should show as no balance due on all XXXX credit reports for me for this Charge Off. The balance ( and past due/or past due ) on this account is incorrect it should say {$0.00} since it was Charged Off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
ELDER ABUSE Lakeview Loan Servicing https : //lakeviewloanservicing.myloancare.com/ Loan Number XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Property Subject to Loan Serviced by Lakeview Loan Servicing Please regard this as a formal complaint against the practices of my servicer. We have attempted to procure a payoff from Lakeview Loan Servicing. XXXX XXXX and I have attempted through phone calls, submitted requests and various other means to procure a payoff of my current loan for more than 6 weeks to facilitate my refinancing. Ive a copy of an email I received from XXXX today. I will have to restart the loan process over with XXXX XXXX if my servicer continues to ignore our requests. 
Obviously the servicer does not want to lose a performing loan, but their deceitful tactics of ignoring my and XXXX XXXX requests are the exact basis of the charter of the CFPB. These servicers are the same organizations that have informed mortgagors seeking forbearance of payment that they will owe a balloon payment for missed months. The same entities that have extensively lobbied every U. S. Congress member that will listen that the Federal Reserve should provide them a nearly interest free credit facility to overcome their own illiquidity. Incredibly, the legislation recently passing the House actually provides for that relief. 

This country faces so many issues but the worse response is when good people standby and doing nothing. 

Thank you for your consideration XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 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 2017-08-16
Company: EQUIFAX, INC.
State: NM
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:
Equifax is not responding to any of my requests to investigate, verify and remove fraudulent, unauthorized inquiries from my credit report that were not initiated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On the XXXX and XXXX I submitted three ach deposits to Coinbase ( XXXX and XXXX on XXXX, XXXX on XXXX ). The first one cleared today ( XXXX ), the XXXX which is fair given weekend ach transfers take a day or two. The second one says four more days ( XXXX dollars ) and the final one says tomorrow ( XXXX dollars ). They're clearly holding higher deposit amounts longer for interest accrual on their side because my bank cleared all of them two days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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