BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2020-03-23
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: Information belongs to someone else

Complaint:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed some items that are not mine on my credit report. These items need to be deleted from my credit report XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, University of XXXX, US Dept Vets. There were inquries as well that are not mine XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX   XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTc and my local police, Im also doing this on my own behalf.

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 2015-06-16
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have some student loans through XXXX XXXX, now Navient. I have been trying to make payments with them- but they are unwilling to work with my income. They continuously try and give me a monthly payment that is way beyond what I can afford and refuse to work with me even though I keep telling them that I am willing to pay but that I just can not afford the minimum payment they are offering. For the longest time they told me my only option was to pay {$150.00} to put my loan in forbearance, which only results in more interest. This is a vicious, disgusting cycle that only allows them to XXXX you into owing them more money. This company is preying on honest Americans who work hard and are just trying to pay off the cost of their education!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I called my bank to close out XXXX accounts. When they completed closing out the account they asked if i needed anything else. I told them i would like statement copies for the last year. The representative logged the request and asked there was anything else they could help with but never told me the cost. I was surprised to see XXXX had been taken from my account in XXXX different XXXX transactions. I called the day i saw the charges to see about refunding them. They acknowledged the fact that they did not give me the opportunity to decide about the amount and the account it should be taken from. However they said they could n't give me a full refund for the charges. This caused my overdraft protection to be charged which cost me another fee. They refused to refund that fee as well.

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 2020-03-23
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: Information belongs to someone else

Complaint:
I applied for a personal loan today XX/XX/2020 and I was not approved due to having over 15 accounts in negative standing appearing on my credit report. I was shocked when I found out about these accounts because none of them are mine. I did not open any of those accounts and I have never allowed anyone else to open all of those accounts on my behalf. I do not have any contract or agreement with any of those companies and I have never allowed them to access my credit. I did not benefit anything from these accounts such as money, goods, services or any other benefit ; If anything, these accounts are only bringing stress and problems. I did not make any payments towards any of these accounts. I filed a police report and a complaint with the CFPB regarding all of these unauthorized accounts on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: VA
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: BB&T CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have paid extra money on principle balance of home loan, the current LTV shows 78 % and the bank is not removing the PMI from my mortgage payment, they are stating that I must send in a written request, I explained that at 78 % LTV the law requires them to automatically terminate the PMI, they told me no I must send in written request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
Company: CFW Holdings LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have copied communication this company has sent me over time, but does not include the multiple calls from different numbers using a robo dialer. As you read you get a feeling that they are trying to coerce me and threatening with legal action. I was able to call the company today Wednesday, XX/XX/2019 at XXXX XXXX. Spoke to XXXX a text XXXX and still offered a settlement. 



Thursday, XX/XX/2019. XXXX XXXX Want freedom from this loan? At this time we are offering to settle your debt for 40 % ( {$480.00} ) of your outstanding contract balance ( {$1200.00} ). To take advantage of this offer. text " SETTLE '' and we'll get you enrolled in our LAST CHANCE program today. 

Thursday, XX/XX/2019 XXXX XXXX CFW- A payment hasn't been applied to your account for more than 30 days. You have an outstanding balance of {$1400.00}. To avoid further collection activity, an arrangement must be set. We offer a hardship program which lowers your current payments. Text " HARDSHIP '' if you are in need of financial assistance. 


Monday, XX/XX/2019 XXXX XXXX  Want freedom from this loan? At this time we are offering to settle your debt for 40 % ( {$480.00} ) of your outstanding contract balance ( {$1200.00} ). To take advantage of this offer. text " SETTLE '' and we'll get you enrolled in our LAST CHANCE program today. 


XXXX  XX/XX/2019 XXXX XXXX  CFW-Final Warning! Your account has remained in our office for the max allotted time! You have 72 business hours to enroll in our LAST CHANCE program. The final amount listed on the LEGAL claim will be $ {$1400.00} +court costs+attorney fees as permitted by your contract. Text " ENROLL '' to start saving. 


Wednesday XX/XX/2019 XXXX XXXX WARNING! XXXX XXXX, Your loan is in default and is being prepared for LITIGATION. You will be responsible for your BALANCE OF {$1400.00} + court costs + attorney fees as set forth in your contract. To avoid action, please contact our office NOW @ XXXX XXXX XXXX so we can assist you. CASH FOR WHATEVER.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Capital One Auto Finance continues to report an auto loan that is a result of identity theft. I have disputed this account and have submitted my identity theft report and they have yet to conduct a proper investigation. I'm not arguing that the account does not exist but it wasn't open by me. There's no signed contract bearing MY signature agreeing to this account. The reporting has hurt my credit rating and defamed my character.I have suffered damages because of the inaccurate reporting of this account.This is clearly violation of my rights as a consumer under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
The following company requested a credit score from Transunion : XXXX XXXX, TX XXXX ( XXXX ) XXXX I my most current check of my credit score, XXXX XXXX, XXXX, I noticed a hard credit score check on my Transunion XXXX XXXX profile. I did not authorize a credit score check by " XXXX '' nor do I have any information about this company. How do I request that they provide a reason as to why they obtain my credit score information from Transunion? 

Thank you, XXXX XXXX ( XXXX XXXX XXXX Cell

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 2020-03-23
Company: Neighborhood Assistance Corporation of America ("NACA")
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
ON XXXX OF 2018, I WENT TO AN ORIENTATION CLASS FROM NACA AFTER THAT I TRIED TO SPEAK TO XXXX XXXX THE DIRECTOR SHE WAS THE ONE THAT GAVE THE ORIENTATION, I TRIED TO EXPLAIN TO HER TO GIVE ME AN APPOINTMENT QUICKLY BECAUSE I WAS ON AN ABUSIVE RELATIONSHIP AND I NEEDED TO MOVE VERY QUICKLY? SHE THEN PROCEED TO GIVING ME HER CARD, TOLD ME TO CALL HER ON MONDAY I SAW HER ON A SATURDAY. WHEN I CALLED MONDAY THEY HAD ME BACK AND FORTH WITH MRS XXXX IS NOT HERE TODAY? I KEPT CALLING FOR A WHOLE WEEK, MANAGE TO SPEAK TO HER AND EXPLAINED TO HER MY SITUATION. SHE GAVE ME THE APPOINTMENT FOR XX/XX/2018. I WENT TO HER FOR THE FIRST VISIT THEY ASKED ME FOR BANK STATEMENTS ALL OF MY CREDIT CARDS STATEMENTS MIND YOU I HAVE 12 CREDIT CARDS, MY BILLS AND RENT VERIFICATION FROM MY LANDLORD, SECTION 8 VERIFICATION TOOK MY SECTION 8 VOUCHER. MY DIRECTOR FROM  SECTION 8 SPOKE TO THEM BECAUSE I HAD COMPLAINT TO THEM HOW THEY KEEP CHARGING ME A FEE TO BECOME A MEMBER I PAID THEM XXXX. WITH CHANGE FOR MY CREDIT REPORT AND THEIR FEE I DON'T QUITE REMENBER HOW MUCH BUT THEY CALL IT YEARLY WHEN I AM BEING CHARGED EVERY 6 MONTHS CAUSE I RECALL PAYING THEM LIKE 5 TIMES ALREADY. AFTER MEETING MY HUSBAND SHE AUTOMATICALLY SHOVED MY PAPERWORK TO A MR. XXXX XXXX. THAT'S THE PERSON THAT'S MESSING UP EVERYTHING FOR US.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received balance transfer checks on my United card - the notice told me that I could get cash. No where did it put limits that disclosure. 
I wasn't allowed to send it to anyone for them to get cash and when I went to just get cash to me - it could only deposit it to another account with a 7 day hold and not get cash. Maybe I'm odd but cash is where I can go to a branch and just " cash the check and received dollar bills ''. My original recipient couldn't cash the check drawn on my chase account and when I just tried to cash the check and give the recipient cash - neither could I get cash - i.e. dollar bills etc. 

Fix your disclosure - if you can't get cash then don't state that in the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Dear Gentle People at Consumer Financial Protection Bureau I was referred to you and read the article about CFPB and student loan unsavory practices. I made a lump sum payment ( XXXX ) to XXXX XXXX in XX/XX/XXXX, " students making a lump sum payment toward the principal are discovering that companies servicing their loans are making it harder to save money on interest charges. '' I recently discovered this with my student loans. 
My loans are started in XX/XX/XXXX for my XXXX degree to my XXXX in XX/XX/XXXX. My loans were under XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX and then transferred to Navient. 
XXXX XXXX has no record of my loans or loan payments at all!! 
I applied for the Public Service student loan reduction payment plan with XXXX XXXX in XX/XX/XXXX. 
Navient stated I would have to reapply and start the program over! 
Navient only has records going back to XX/XX/XXXX. 
Whatever you can do to help would be greatly appreciated! 
Respectfully submitted,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
on XXXX XXXX, 2016, there was an inquiry made by bank of america - from which I do n't know what type of source that it came from. I received a letter from Bank of America, i was denied. The only way i knew about it is because of the letter and also the inquiry on my XXXX credit report. I never did apply for a loan nor a checking account with Bank of America in XXXX 2016, the only thing i applied for was a secured credit card. Bank of america pulled my credit report without my consent. So the company is engaging in fraud and identity theft. There is mutiple inquires on my credit report. so i decided to file a compliant.

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 2020-09-21
Company: PENTAGON FEDERAL CREDIT UNION
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I am a service member in the XXXX XXXX and I applied for a VA mortgage with Pentagon Federal Credit Union on XXXX XXXX, 2020. 

I submitted all the paperwork and documents that were asked for. I was in contact with my loan officer and she then transferred me to a loan processor on XX/XX/XXXX. 

Since then, I have been unable to get any information concerning the status of my loan. I made multiple attempts to contact XXXX XXXX and his supervisor XXXX XXXX. Ms. XXXX voicemail is full and her email comes back as invalid. 

Mr. XXXX replied back on XXXX XXXX that he was sorry for the late response and will get back to me on the loan. 

I am now two days from my closing date of XX/XX/XXXX. I have spend {$850.00} in appraisal fee and inspections, and have {$3800.00} tied up in the earnest money that I risk to lose if this mortgage does not go through. 

Please help. 

Thank you. 

Sincerely, 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 2020-03-23
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
1. I have been going back and forth with my mortgage company ( PHH Mortgage ) regarding a loan modification. 
2. PHH have said I did not pay XX/XX/2019 and XX/XX/2019 mortgage payments. 
3. They did not listen to the phone recorded conversation with XXXX XXXX XXXX about being able to send in the loan payment if I received the approved loan form after the due date. 

4. PHH claimed they made a phone call to me on XX/XX/2019 regarding the loan modification and they did NOT! 

5. Currently, due to the coronavirus, I was told today that I may be  laid off of work until things pick back up. 

I faxed them a copy of my bank statements on XX/XX/2019 showing proof of payment along with the loan modification application, income documents and debts. 

Due to months of going back and forth, so much time has passed that PHH is not considering me for a loan modification.

If PHH would have reviewed the loan modification documents I sent in they would have seen those payments they claimed were missed were paid. 

If they would listen to the recorded phone conversation between XXXX and myself they would heard that I asked if I would be able to submit the payment after the due date since the form was sent to me late. 

Payments from XXXX until present were not made due to PHH was not accepting payments from me for the loan modificatio. This is no fault of mine for PHH mortgage not to accept my payments that has now caused me to be at a negative NPV for all the months that has passed. PHH is the caused of me being at a negative NPV for not accepting my payments towards the loan modification that I was approved for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I have submitted this information multiple times. Transunion had removed this item after reviewing the supporting documentation. The item has reappeared on my credit report. Transunion is the only credit bureau that continued to put this item on my report. This bankruptcy should be deleted immediately. I have attached a letter from my attorney and 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 non-monetary relief
Consumer complaint received 2017-02-16
Company: Navient Solutions, LLC.
State: HI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Navient has been ruining my life for years. misguiding me in repayments, not releasing my cosigner, and harassing me and my co signer daily. I have been trying to find a way to repay them, but even with their " programs '' it seems as though I 'm still getting scammed. because my financial statement i give to them has no allowance for me to make payments to them. They are by far the worst company and i do n't know how any of them sleep at night knowing they single handily destroy peoples lives. I am always making a decision to pay them or eat. which is not how someone should live. They XXXX me out beyond belief with the harassing phone calls and the threat to if I do n't make payments I will be kicked out of the " program '' which barely helps me anyway. Something MUST be done. forgive our loans! take down Navient!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Specialized Loan Servicing Holdings LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing LLC : NMLS ID Main Office XXXX ; NMLS ID Branch XXXX ; NMLS ID Branch XXXX Our account with Specialized Loan Servicing did not not have an escrow account. However, for our XXXX and XXXX payments, we were given the account status as " late ''. We never had an escrow account with any mortgage that we have ever had. We always paid our taxes and insurance personally, annually, and have bank records to prove. Specialized Loan Servicing gave us a " late payment '' status because they " stated we have an escrow account '' when actually we never did and were never late. 

I have been trying to resolve this issue for several months and have had the escrow account removed. However, my credit bureau information for XXXX and XX/XX/2020, has remained the same. This needs to be corrected also. We have given numerous chances for this status to be removed, but, to no avail. We are very frustrated and furious.

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 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
IVE MAILED IN MY FTC ALONG WITH LETTERS ASKING TO BLOCK FRAUDULENT INFORMATION

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