BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: WA
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2016-09-28
Company: NAM National Arbitration and Mediation
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Sent a cease and desist letter via fax on XXXX XXXX, 2016. Called and spoke with a representative and verified receipt by the company. Still getting phone calls in violation of the FDCPA. So far there have been XXXX occurrences after verified receipt of an order to cease and desist.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-03
Company: CITIBANK, N.A.
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I am an international customer of Citi and have both a Day to Day Savings account and a Basic Checking account for which I had online access till the end of XX/XX/XXXX year. During XX/XX/XXXX I lost the ATM card ( Citicard ) and since the end of XX/XX/XXXX it is not posible to login online without the Citicard number so I requested Citicard replacements several times, however I never received any of them. In XX/XX/XXXX, branch manager XXXX XXXX stated she mailed me a replacement Citicard but never got it. Later, at the end of XX/XX/XXXX year I asked again a replacement Citicard via the Call Center ( answered from The XXXX ) and I did not either receive it. Then I controlled that my international mailing address was correct and in theory the Citicard was mailed to my mailing address on file with Citi. It is to point out that the ATM/debit card or Citicard has to be issued and mailed free of charge to customers and all times was ensured it had no cost or fee. My Citi branch is the one located at XXXX, NY XXXX and this submission is a help request to Citi more than a complaint.

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 2017-04-09
Company: HEAD MERCANTILE CO., INC.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
When talking to them they can not provide information about account about services rendered for break down or dates so that I can cross check it against my XXXX eob form for payment because several times in the past it has already been paid but it takes time. They do not care and demand payment with out discloresure because they do n't have that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: SUMMIT FUNDING, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hi I recently refi 'd a loan that was previously with Summit Funding. The loan was paid off in XX/XX/XXXX. I believe the exact date of funding was the XX/XX/XXXX. When I call the ecrow department at Summit, I was told that I should received the check by the XX/XX/XXXX. They said they legally have 21 days to refund. If my calculations are corrent the XX/XX/XXXX is much more that 21 days.. I still have n't received the refund. I have called the Summit Funding escrow department several times. Last week I was told that the check was cut on the XX/XX/XXXX and I should have had it by now, I still do n't have it. Called again today and asked to speak to someone in the escrow department as to why I have not received my refund. I am done calling and now would like to place a formal complaint against the company .. Summit Funding has been terrible since we were approved for our XXXX loan in XX/XX/XXXX. Can someone in your office please help us to get our escrow check in the mail? Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: United Check Recovery, LLC
State: GA
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I recieved a call from United check service in New York on behalf of payday from Investior XXXX from XXXX yes the calls were very threating I asked for information regarding this company as I was not aware of them the gentlemen failed to give his name the company name and location information I than googled my rights as a consumer and called back and asked for proof of this debt and other information. Again I was threatned with court and jail agian I asked for information about this company and debt I was told to shut and I continued to question information I was than called a racial slur he states XXXX this is what you need to do. I than hung up the phone.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-29
Company: Nelnet, Inc.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have been paying my student loans since Before I graduated and also because of covid, all accounts were put on forbearance yet theres a demarcation on my credit report which is affecting my ability increase my credit and Ive been making payments as well since.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: State Home Mortgage
State: GA
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This Debt Collectors ( STATE HOME MORTGAGE ) Attorney XXXX & XXXX, went to the Courthouse Steps and Foreclosed upon property that they did not verify nor validate, and allowed, a third party purchaser to buy something that was Rescinded on XX/XX/XXXX, and they purportedly sold the property in XX/XX/XXXX. They did not have any standing to do that because the transaction was rescinded. They only ignored it and then the THIRD PARTY DEBT COLLECTOR ( STATE HOME MORTGAGE ), sent communication stating that the Property was paid for. The Attorney ( XXXX XXXX XXXX ) sent an acknowledgment, waiver and release agreement for {$22.00}, XXXX to release them from being responsible for their error. They should never had gone to the Courthouse Steps and become the beneficiary of my Estate ( XXXX XXXX XXXX XXXX ), I never gave them permission to do any of that.!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: KEYCORP
State: CO
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
We applied for a second mortgage through Key Bank, and the entire process was filled with delays, miscommunication, and difficulty. Though I have numerous frustrations, the one I 'm focusing my efforts on is not receiving a copy of the appraisal they demanded we get, even though one had already been completed for the first mortgage. We closed on XX/XX/2017 and have not received a copy of the appraisal to date. I requested the appraisal on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was told via email, on XX/XX/XXXX, that the appraisal would be sent. I have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Complaint against mortgage lender Specialized Loan Servicing LLC. 

Payment : In XXXX 2016 my mortgage loan was recently assigned to the new servicer called Specialized Loan Servicing LLC. From the time they took over I was having many difficulties with them. I experienced the worst customer service from them They initially did not have an option to pay online and they did not send me letter timely so that I would not be late in making payment. I have to do my own research and then call them to make the payment. The process was very difficult and I had to be on hold for a very long period of time. 

I made my first payment with the agent and at the same time I requested them representative to setup a recurring payment. They were able to get my payment however when they setup the recurring payment they used an incorrect account number, so they never received the payment. Then I had to take the initiative and call them and be on hold for long time so that I can make my XXXX payment, and I am hoping that they will collect the payment for next month correctly. They are doing these things so that they can collect a late fee from me. 

Escrow account : I did not have any escrow account with them and yet I had a debit balance in the account. I called them several times to either apply that fund toward the principal or send me a check. Instead of doing that they established an escrow account made some payment some to somebody and never contact me to let what they are doing and why they are doing. 

I am responsible for making payment for home insurance and for property taxes and I am up to date for all those payments, so I am not sure why they established the escrow account. I called them and faxed them requesting for a response and they are not giving me a response. They put me on hold for very long time and then they are telling me to wait for a response later.

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 2017-04-05
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX account showed up on my credit report recently I have n't had XXXX since XX/XX/XXXX. I paid off all of my debt with XXXX before I canceled. I do n't know why it was reported because I do n't owe them anything I contacted the debt collector and they told me to email a dispute to them and then forward it to XXXX before I did that I contacted XXXX and they told me they do n't have access to my account anymore. And that I owe money in which the case I do n't. XXXX told me they sold my account to a debt collector in XX/XX/XXXX and it has recently shown up on my credit report In XX/XX/XXXX and neither companies are providing me with information in regards to this Debt that I owe which I wasnt aware of until recently. The debt collectors are giving me the runaround and they are not being honest with me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-04-02
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I contacted the above ceditor ( Big Picture Loans , LLC ) via email on XX/XX/2017 informing them of an unexpected permanent financial hardship and requested a settlement agreement on the account without accruing any additional interest past XX/XX/2017. Due to the financial hardship, my checking account is negative and will be closing. I received several emails from the creditor however they wanted the past due amount ( the interest and principal due that day and would not stop the interest from accruing ). After unsuccessful attempts to resolve the matter via email, I contacted the creditor and spoke with the resolution department on XX/XX/2017. They informed me that they were unable to provide a settlement agreement. After the conversation on XX/XX/2017, I emailed the creditor and request a " cease and desist '' of all communication and correspondence except for email to resolve the issue or United States Postal Service. I received an email response on XX/XX/2017 stating they were currently reviewing my account and would contact me for a resolution. Likewise, I received a settlement offer XX/XX/2017. 

My complaints are as follows : Complaint # 1 : I contacted them on XX/XX/2017 to explain permanent financial hardship and requested a settlement offer. After numerous communication efforts, they finally approved a settlement offer on XX/XX/2017.Therefore, accruing additional interest on the loan from XX/XX/2017 through XX/XX/2017. The amount was {$600.00} principal balance and {$350.00} interest, total payment of {$950.00}. If the account had been settled in a timely manner ( the interest would be only about half of the above amount ) Complaint # 2 : The payment due date on the payment schedule on the settlement offer are either on my pay date or the day after I get paid. The only options for payments are electronic debits ( ACH, RCC, post dated checks ) from bank account or mail in payment. The electronic payment is not an option due to the current checking account situation and the account is approaching closing at any day. Therefore, I would have to mail in payments. It would be impossible for payments to be received by the due date. 

I have sent several emails replying to the settlement offer in respect to the above complaints. As of today, I have not received a reply or response from the creditor. I am required to send a reply of " I agree '' to the terms of the settlement offer by XX/XX/2017. Or they would send account to resolution department for further collection.Due to these unresolved complaint issues, I am unable to agree to the full terms of the settlement offer. These issues would hinder my ability to successfully complete the settlement offer. Likewise, my intentions are to repay the debt but under more fair debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Company " XXXX '' was paid prior to bankruptcy to the original creditor and instead of reporting as " Paid In Full '' - its reporting as " included in bankruptcy '' as discharged debt. This is reflecting as if the company was not Paid and it is adversely affecting my rental history. This negative reporting is affecting my ability to find housing. I have contacted transunion in writing and over the phone and I also requested a detailed description of the investigation and was denied the information and instead the account was disputed again with no change. The investigation completed by XXXX concluded the info was not accurate. There is a 54 point difference in my scores because of this.

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 2017-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
credit bureaus do not validate or verify any information with the court system, this has been verified by every Federal Court, and because of this, i want my XXXX removed from all 3 credit bureaus, as i have spoken with all 3 credit bureaus, and they respond with the statement " we have validated this XXXX XXXX with the courts '' That is a Lie. They Have not Validated Anything according to every Federal Court queried. thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
i had my student loans dismissed because of my disablity they will not remove them off my 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 2016-07-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX ran a hard inquiry on our Experian Credit Account without our authorization. We never heard of this company before. We called XXXX XXXX as recommended by Experian but they do no want to assist in getting this unauthorized Hard inquiry removed from our credit report. This is FRAUD.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
XXXX ENGAGED IN UNFAIR PRACTICE AND PATTERN TO DENY US FAIRNESS AND JUSTICE. THE XXXX COMPANIES HAVE MADE SEVERAL FALSE STATEMENTS AND PATTERNS OF OBSTUCTUIN OF JUSTICE. : " INDENPENCE FORECLOSURES REVIEW '' AGREEMENT HAVE BEEN VIOLATED FOR ( {$10.00} ) ... XXXX AGENTXXXX XXXX PREPARED A BREACH AGREEMENT FOR XXXX XXXX, XXXX XXXX XXXX XXXX FHA XXXX XXXX WITH ' '' UNCLEAN HANDS '' AT 5.875000 % .FALSE AND MISLEADING. 
AGENT XXXX XXXX OF SELECT POTFOLIO SEVERING, INC. WERE EMPLOYED AS SEVER WITH " '' UNCLEAN HANDS '' '' THE CONTRACT IS " NULL AND VOID '' AND " MOOT '' .THE CONTRACT VIOLATES THE " GENERALLY ACCEPTED ACCOUNTING PRINCIPLES ( GAAP ) ,18 U.S.C.///926C , FEDEERAL CRIME VICTIMS RIGHTS ACT ( CVRA ) TITLE 18 U.S.C.//3771, MANDATORY VICTIMS RESTITUTION ACT ( MVRA ) 18 U.S.C.//3664 AND THE FEDERAL MONDATORY TO VICTIMS OF CERTAIN CRIMES : TITLE 18 U.S.C.//3663 ( A ) ..IN A SIGNED AGREEMENT WITH THE UNITED STATES OF AMERICA ( DOCKET XXXX ; XXXX AND NO : XXXX ... MAKING US A VICTIM UNDER THE ''DEBT PEONAGE '' AND ''INVOLUNTARY SERVITUDE '' ACTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Great Western Financial Services, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I started the loan process with a company. The first error was with loan interest rates and points. I was told one thing and then suddenly the amounts were different. I was told by the broker I would not be charged for an appraisal until that was the only thing left to finalize the loan and the loan was going to be approved. I was sent an email saying there was an issue in underwriting and suddenly everyone stopped communicating with me. Then, I got a call from a lender verifying more info. I called the broker and she acted like she had no idea what was going on and said she would check into things and get back to me. It has been over a week and I am still out {$550.00} for the appraisal and I have no idea about the status of my loan.

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 2017-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
According to TransUnion 's updated credit file on XX/XX/2017 ( # XXXX ), XXXX # XXXX ... .. should be removed XX/XX/2017. As of XX/XX/2017, this item remains.

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 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 XXXX XXXX XXXX XXXX XXXX H

AS violated my rights. 15 USCsection 602a states i have the right to privacy & 15USC 1681 Section 604a section2 also states a consumer reporting agency CAN NOT furnish a account without my written instructio
ns.

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 2016-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX DOB XX/XX/XXXX Bank of America HAS AGREED TO REMOVE INQUIRY FROM MY XXXX REPORT. 
DELETE bank of America INQUIREY FROM MY REPORT DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID

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 2017-04-01
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got a call from XXXX ( XXXX/ XXXX Claim Number XXXX ) stating that I owed them {$2700.00} from a Tv that I took out in XX/XX/2012. All my accounts have been closed with conns in good standings and paid in full. I stopped by conns they printed me where I 'm paid off with no balance due. My biggest issue is how they HAVE MY SSN, PHONE NUMBER, ADDRESS, and other other info. I called conns customer service and they stated they are not responsible for other agencies having MY PERSONAL INFO THAT I GAVE CONNS ACCESS TO. I dont know how they got my info when I paid everything in full and before contract was up. XXXX stated they can not give me more info just to make a payment which i have proof I paid it off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: BARCLAYS BANK DELAWARE
State: NV
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I opened my Barclay Arrival+ card in early XX/XX/XXXX. I had made about 7-8 purchases on the card and was awarded my points, etc. I went to use the card on XX/XX/XXXX and the purchase was denied. I called to find out why my card was n't working and they said I 'll receive a letter that my account was closed. I have XXXX in points that I wo n't be able to use now.

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