BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
I am writing a complaint against to TransUnion XXXX Failure to respond to my dispute and to remove the items on my credit report, with the following information in my file. I have put here below and I attached copy of the letter I send to TransUnion on XXXX/XXXX/XXXX This items you will see on pdf document i ' will upload. 

I am requesting that the items be removed because it affects my credit to correct the information. 
Enclosed all copies of the documentation I sent to TransUnion they say that what I send for proof of address was unacceptable, I sent for proof of my address a Utility Bill and Bank Statement the other letter was from XXXX XXXX XXXX I sent that letter because I was denied credit for an exercise machine I need because I have medical condition XXXX XXXX I have to XXXX do exercise to so my muscles need to be strong because my condition is it makes me weak day by day. 
I hope this document that I am sending help with dispute to erase everything that is damaging my credit history supporting my position. Please reinvestigate this matter and delete items as soon as possible. 

Sincerely, XXXX XXXX XXXX Enclosures : XXXX XXXX, Bank XXXX, Disputed letter, FTC report and XXXX Case # : XXXX from XXXX FL

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 2017-06-27
Company: Reverse Mortgage Solutions, Inc.
State: PR
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
This is an ongoing problem with this company. The force placed an insurance policy on my mothers home for 300 % what is a typical rate. My mother who is XXXX was never told it was a forced placement and was misguided. Nonetheless, we accepted and are paying it by certified mail. To avoid this issue this year I personally obtained the insurance policy which has the loan number and company endorsement. We mailed it by certified mail to the company and to the insurance department. My mother has now received a new notification that her home will be taken since they have no documentation or evidence of the policy. We are trying to call. the phones are always busy. We try to fax as they said and the line is always busy. We call the call center and they redirect us to a phone line which is busy. Throughout the whole process my mother is worrying unnecessarily. They will not provide an email of anybody in the company. We have incurred in legal fees without any need since we have payed as stipulated. I even tried to contact through XXXX XXXX XXXX. XXXX XXXX XXXX, Executive Compliance Resolution Analyst at Reverse Mortgage Solutions , Inc. As you can see I am desperate for an answer or confirmation that I have followed everything they have said. This is not a well run professional organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Despite the fact that my mortgage is at an LTV of approximately 65 %, 5th 3rd bank force placed an escrow account on my mortgage, and has raised my monthly payments by over {$600.00} per month. I have a condo and all flood insurance and home owner 's insurance is collected through my HOA dues and paid by my HOA. I pay my property taxes myself directly to the county. 
5th 3rd force placed insurance on my property because they did not contact the insurance agent to get evidence of insurance when it was time to renew. Once I finally got that resolved, they stated they needed to set up an escrow account to collect for taxes for the year XXXX, due in XXXX. Again, this is despite the fact that I paid my own taxes in XXXX. 
I am in the process of refinancing, primarily to get the servicing of my mortgage away from 5th 3rd Bank. On my payoff letter, 5th 3rd is requiring payment of over {$3500.00} in XXXX property taxes that have not yet been billed, and that they are not going to pay, as they will no longer be the servicer on my loan. This has delayed closing on my refinance and cost me extra interest expense each day this goes on. They advised me to bring the additional $ XXXX to closing and they will supposedly refund it to me. DO NOT USE 5th 3rd Bank for your mortgage needs, or any lending need!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 companies in the attached document have violated my rights. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. This List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing for the correction and update of the payment history of the disputed account on my Credit File. However, I noticed that despite all my efforts to contact the Credit Bureaus, they have also kept ignoring my letters as well as complaints.The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$9600.00} Date opened May 01, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance {$4300.00} Date opened XX/XX/2018 2018

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 2022-06-11
Company: EQUIFAX, INC.
State: GA
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. This List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Experian Information Solutions Inc.
State: GA
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. This List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21
Company: Shellpoint Partners, LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Approximately one year ago, I requested that my mortgage company, NewRez, re-evaluate my home as the market had improved and I believed ( and still do ) that the LTV on my property was at a level that would warrant the removal of the PMI payments from my monthly payments. They recommended a BPO and I sent them a check. Several months went by and I called to check only to find that they had " misapplied '' the payment to my principle and assured me that this would be corrected. For the past 3-4 months, I've been going in circles with them and getting nowhere. They claim to have escalated the request but nothing has been done and I continue to pay PMI premiums. At this point, I am considering refinancing with another company to avoid dealing with them altogether. I hope that others do not have to experience what I have been dealing with. During my latest exchange, I asked to speak to a manager and was told he was too busy. NewRez was not my choice, they simply purchased my loan servicing agreement and this is in no way a fair way to treat a borrower.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: ERC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
I never had a XXXX phone. I cant afford XXXX XXXX.XX/XX/XXXX they put on my credit report XXXX is all i see for acct number. I need this removed its destroying my life and they said i must pay to delete it even if its not mines or it will ruin to credit. I told them i would call ftc they said so. I dont know what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: AMERICAN EXPRESS COMPANY
State: CA
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 have tried to get inquiries removed from my XXXX report that I did not authorize for my credit report to be pulled by XXXX XXXX XXXX XXXX on XXXX, American Express on XXXX, XXXX XXXX was supposed to be a soft pull on XXXX, And on XXXX XXXX  XXXX did a hard inquiry when it should have been a soft one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-22
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have ask the XXXX XXXX office several times not to call me at work. On XX/XX/XXXX a XXXX XXXX left a voicemail to return her call. I advised them I cant take personal call, do not call & I can be fire. I also ask them not to call refers. They called my husband several times giving him my personal business, search as past due amounts and caused problems in my home. They called my brother n law giving them my personal business as well. I told this office several time to please stop making these harassing phone calls. My cell number is a good number and has been provided as a mean to contact me!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Per tranunion website states im 30 days or more pass due of {$330.00} owed to XXXX XXXX ( car loan company ) I called XXXX XXXX today at XXXX spoke with manager name XXXX XXXX who emailed me a copy of my payment history with regional acceptance for XX/XX/2021 showed paid, XX/XX/2021 showing XXXX ( meaning i filed for this payment to be extended moved to the end of the loan agreement ( so this isn't due ). XX/XX/2021 showed paid. 

so im not pass due 30 days or more with regional acceptance!

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 2017-10-17
Company: BB&T CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I filed bankruptcy and XXXX XXXX XXXX has added additional interest and late fees to this account. The amount listed on the bankruptcy was XXXX but they are telling that I must pay {$14000.00} and every day that I 'm late I will be charged {$7.00} per day. I had this car since XX/XX/XXXX and the loan was for 7 years which means this car should have been paid for in XX/XX/XXXX. I also requested a  validation of debt and they have not been able to provide this to me. I 'm not sure why I 'm being charged all these fees when the bankruptcy was discharged.

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 2022-01-13
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On XX/XX/2022 I received a response from the creditor ( XXXX XXXX XXXX ) that the balance was adjusted to the correct amount from previous dispute, and was being reported to the Credit Reporting Agencies. On that day I saw the changes on my credit reports just as the creditor had explained. Four days later, on XX/XX/2022 all XXXX Credit Reporting Agencies begin reporting 3 new different balance amounts on my credit reports, which is totally different from what the creditor had explained and reported four days earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: DISCOVER BANK
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This company did not get my consent to allow any 3rd party 's to obtain my personal consumer information, while in good standing they closed my credit card account and informed me that an email ( not enclosed with Discover Bank 's name ) needed to be filled out with my irs information. They said i was givin a deadline. Discover Bank did not reach out to me through u.s postal mail or via telephone regarding this matter. And said that the closing of my account was irreversible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Experian Information Solutions Inc.
State: PA
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  Account # XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX/DOFED, # XXXX XXXX/DOFED, # XXXX XXXX/DOFED, # XXXX XXXX  XXXX  XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX/DOFED, # XXXX XXXX/DOFED, # XXXX XXXX/DOFED, # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DOFED, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
" I am a member of a group attempting to get free from the terrible Spousal consolidation loan product of early 2000 's which was discontinued due to just how bad of a situation it put people in. This loan was sold as FFELP by govt. to private service companies so not only is it currently impossible to separate the loans after divorce, I am not eligible to consolidate into a Direct Loan that would allow for a more reasonable income based refinancing option or qualify for PSLF which I would surely be eligible for based on my close to 2 decades working in the non-profit XXXX XXXX field in XXXX XXXX XXXX, where I currently the XXXX XXXX of a private not-for-profit Supported Employment program for adults with severe XXXX  XXXX. I have made every single payment both when married and once divorced, at the expense of other things such as owning a home, and am requesting your assistance to put me back on an even playing field with those in Direct loans and eligible for PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: National Credit Adjusters, LLC
State: OR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They said I took out this loan on XXXX XXXX and there's absolutely no way that I could have done that because I live in a totally different state and this loan was taken out in XXXX so how could it have been taken out in XXXX. So they are changing the date to suit them. So I feel that this is discrimination and rasist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: BARCLAYS BANK DELAWARE
State: AZ
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:
To whom it may concern, RE : XXXX XXXX Credit Card from Barclay 's  Misplaced my credit card statement and made the payment when I was reminded it was 10 days late. 

The outstanding balance they calculated the interest of 26.74 % was the average monthly balance of {$5900.00} not the actual balance of {$3500.00}. 

The payment was also only 10 days late and we were charged {$120.00}, which works out to a real annual charge of {$4600.00} or 130.54 % on an annual basis. 

This is just criminal!

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 2017-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid this account completely off with a balance of XXXX in XXXX of XXXX. I set up recurring payments of XXXX XXXX dollar payments with XXXX to complete the balance in full. XXXX then closed my account in XXXX of XXXX but are reporting to the credit bureau that they closed it in XXXX of XXXX which is incorrect Since then. the company continues to charge me with late fees and rolls the balance with more fees. They send the balance to the credit bureau but have not sent me a bill or anything in the mail to support the balance they claim is owed. 
I have mailed XXXX, XXXX, and transunion to investigate this error and remove it from my account. Since the account is listed as 'closed ', XXXX does not respond and they are not updating this account correctly on my reports. 
I need assistance in getting the balance shown as XXXX and the late reporting removed or the complete account removed. 
They are not fcra compliant as they continue to report and refuse to respond to my issue.

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 2017-06-27
Company: EQUIFAX, INC.
State: NC
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:
On XXXX XXXX, I sent a letter to Equifax, asking them to investigate errors on my credit report. I am going to attach a copy of the letter I sent them. Three months have passed, and they have yet to send me the results of my investigation. They are supposed to respond within one month. I have sent several follow-up letters, but Equifax simply will not respond.

Company response to consumer: Closed with explanation