BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had an account with XXXX XXXX XXXX XXXX in XX/XX/XXXX, first reported delinquent XX/XX/XXXX and written off by the company in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX XXXX purchased the debt. I was not aware of this until recently checking my credit report. They are reporting the date the account was opened as XXXX XXXX, XXXX and continue to report delinquency up to this month XXXX XXXX. I have disputed this several times with the credit reporting agencies and they are doing nothing about it. This debt is being reported incorrectly by XXXX XXXX XXXX as the debt is too old to show on my credit report. I called the original creditor, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX to confirm the dates and they stated the debt was too old and should not show on my credit report by XXXX XXXX. Since I am getting no help when trying to communicate with the credit reporting agencies, I am filing a complaint with the CFPB. I appreciate any help you can give to correct this 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 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am submitting this 5th CFPB COMPLAINT today to inform the Credit Reporting Agencies are required to remove the disptued accounts and information from my Credit File under the Fair Credit Reporting Act Section 605b. I have been submitting Dispute letters and CFPB complaints addressed to the Credit Reporting Agencies requesting the removal of the disputed fraudulent accounts and information completely from my Credit File. However, the Credit Bureaus have become stubborn and neglected their duty to investigate and verify the disputed items. I was a victim of identity theft and that the items I am disputing were never mine neither did I authorizde anyone to open these accounts in my behalf. Under th Fair Credit Reporing Act section 605b, I am requesting once again to remove the following items completely from my Credit File : XXXX XXXXXXXX Balance : {$510.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$560.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance XXXX {$910.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Also, the Credit Bureaus have failed to send me copies of proof of their verification or proof of ownership to prove that the disputed items belong to me. And yet hey continued to report th disputed items despite not being able to verify the disputed accounts.

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 2017-02-10
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Navient failed me completely as a loan servicing company. I have worked in public service for 10 years and while making barely XXXX/yr they asked me to pay $ XXXX/mo which was impossible. I have recently noticed the CFPB is suing Navient for similar issues. I was recently made aware of all the options Navient denied me and refinanced under the PSFL program and am successfully paying my loans now. I would like to provide proof of 10 years of public service employment and have Navient cover the remaining balance of the loans as I feel they have illegally cheated me out of my rightful repayment options and placed unnecessary XXXX and hardship on me all these years. Navient had cheated and scammed so many young Americans and denied them their rights, and this can not be allowed. These loans were for both XXXX XXXX and University XXXX. They were public federal loans guaranteed by the government.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
To begin, my previous dispute with the Consumer Protection Bureau against Transunion was not properly addressed. Originally, I demanded validation from the following creditors : XXXX XXXX and XXXX XXXX to prove the amount they seek to collect is valid. They have not provided any evidence or information to me to substantiate their demand for payment. Transunion did not provide an explanation of how they verified the creditor has complied with my validation request to allow them to continue reporting the information. All Transunion has done is describe how TransUnion verified the balance due. Pursuant of the Fair Credit Reporting Act I request a detailed description of the method used to verify the creditor 's compliance with MY DEBT VALIDATION REQUEST. 

Although, it is not Tranunion 's obligation to mitigate disputes between consumers and data furnishers, it is Tranunion 's obligation to ensure the data furnishers are following the laws which govern credit reporting and collection. I understand you are not obligated to acquire original documents to verify the information, however ; the creditor can not report information that they can not validate to me, the consumer, after I have requested it. This letter is advising you that the company has not complied with my demand for validation. It is now your obligation to verify their compliance with my debt validation request prior to the continuation of reporting their furnished information. 

Ultimately, I need the invalid information removed from my reports immediately as it is causing financial harm. I own and operate a conglomerate that focuses on the acquisition of well performing small businesses and this inaccurate information is preventing me from obtaining necessary loans for me to earn a living. If you continue to report information that the company has not validated with me, I will pursue legal action in the XXXX County Court of Nebraska. I will seek lost earnings in the amount of {$2100.00} per week which is what this invalid information is costing me. In addition to the actual damages, I will seek statutory damages for every unverified and invalid item you continue to report. Finally, I will seek recoupment of any and all legal fees I acquire to enforce the Fair Credit Reporting Act with your company. I assure you I have the time, the grounds, and the legal and financial means to take the actions mentioned.

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 2016-11-03
Company: SUNTRUST BANKS, INC.
State: TN
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I opened a new savings account at SunTrust Bank on XXXX/XXXX/XXXX with {$2000.00}. On XXXX/XXXX/XXXX SunTrust made an unauthorized withdrawal from my account in the amount of {$1300.00}. My inquiry revealed that the reason given by the Bank was to recover disputed funds dating from XXXX. 
Given that these funds were disputed, the Bank has no legal right to act in this manner. The Bank could have brought legal action if it felt it was in the right. That it did not do so shows that the Bank felt it did not have sufficient evidence to support its ' claim. What the Bank did is equivalent to theft. If I entered someone 's home and took something because I thought that the owner owed me money, that act would be illegal and would be considered theft. 
I would request that the CFPB instruct the Bank to return the funds to my account, and advise them them to bring legal action if they wish to pursue their claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Fairway Independent Mortgage Corporation
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: Report provided to employer without your written authorization

Complaint:
I approached XXXX XXXX with questions about acquiring a loan. I was simply curious and he asked to fill out the application. I marked " no '' on the credit application and he ran my credit report anyways. I need this credit inquiry removed as it is unauthorized and I have proof its not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: PNC Bank N.A.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I maintained an individual bank account with PNC bank with their virtual wallet account, which consists of XXXX separate accounts, I asked earlier that the entire " wallet '' be CLOSED, and any balances be transferred to my joint wallet account with my husband, The bank confirmed the closing and the transfer, Somehow, the bank imposed a XXXX fee on the closed account, and I have received XXXX letters, copy of XXXX attached, insisting I am OVERDRAWN and that action will be taken if I do not settle the overdrawn account? I contacted the bank, and was advised it was an error and that they had not closed the account properly, Yet I still receive these threatening letters, I am therefore filing a formal complaint regarding a debt I do not owe, and never owed, I expect the bank to issue a formal letter to me stating there is no debt, and also stating that any negative information sent to any of the XXXX major credit bureaus and to any other credit reporting services has been removed, and I want confirmation from those bureaus that such action was taken, The bank should be sanctioned for issuing this letter in the XXXX place, and not voluntarily issuing a correction letter when it recognized its error, Please advise action taken, ( most recent letter attached to this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX  ( XXXX ) Date Opened : XX/XX/XXXX, Account name : # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Account name : # XXXXXXXX XXXX  XXXX Original Creditor : XXXXXXXX XXXX  ) ( XXXX ) Date Opened : XX/XX/XXXX, Account name XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX, Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
my mortgage loan was recently transferred to Nationstar Mortgage LLC ( dba Mr. Cooper ). Mr. Cooper recently announced about a highly expensive force-flood insurance that we have to pay to provide protection for the mortgage, stating that they would not purchase it provided that we buy our own flood insurance and provided them with evidence. We have successfully provided them the evidence that our current insurance does include flood protection but Mr. Cooper chose to ignore it and carried on with obtaining a more expensive premium.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have applied for a HAMP Loan Modification with Ocwen and I cant seem to get an acknowledgement or the opportunity to interact with an assigned negotiator without having to race against the clock with the threat of a foreclosure sale. This property was the subject of a divorce and I have been trying to remedy this matter. I was offered a trial modification XXXX 2015, but when I sent payments in-they were returned to me. I have been putting those monthly payments aside every month to see if I can get Ocwen to honor that modification. I hired a firm to work on my behalf and they have submitted all of my documents for a modification, but Ocwen has not responded or canceled the sale. I have to resolve this matter pursuant to divorce agreement and I do not want to file bankruptcy again. I really need help. I am going to email the ombudsman. I have called to speak to that department but have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions 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:
This is infuriating! The Credit Reporting Agencie have become negligent of the Fair Credit Reporting Act section 605b, which requires the Credit Reporting Agencies to remove any fraudulent accounts and information being reported on my Credit File! However, despite the countless dispute letters and CFPB Complaints that I have been submitting to the Credit Bureaus, the Credit Bureaus seemed to not give a damn about my Credit File! They have bee climing that the disputed accounts and information are verified and yet they have been failing to send me copies of proof of verification in which I have been requesting from them for the last 1 whole year! I am tired of all this! This is going to be my last CFPB complaint to be submitted befoe I will file the lawsuit that we have been preparing against the Credit Bureaus! To the Credit Bureaus, if you think it will be easier to deal with a lawsuit than to remove the disputed accounts and information, so be it. But let me remind you that you got a one whole year to remove the following items and yet you opted not to : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$82.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$660.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$380.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: MN
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 submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2021 the third stimulus check was deposited in to my jp Morgan chase account. I was then credited XXXX dollars from my overdraft account and was given the full XXXX dollars. XX/XX/XXXX jp Morgan chase account is now over drafted XXXX dollars and the record of the stimulus check is gone from my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
FedLoan Servicing, a private entity, on behalf of the US DoE, processes payments for my student loan. In order to maximize accumulated interest, FedLoan Servicing deliberately and unlawfully posts electronic same day bank deposits one day later than receipt. No other known entity behaves in this unethical manner. The same practice does not occur with my credit card issuers or my car loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
We had a line of credit with Suntrust Bank in 2005 for {$140.00} and we refinance our house to paid off the line of credit, we sent the payment to Suntrust, but we still getting charge for {$140.00},, please help me. 
Thank you 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 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$9300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$3800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2016-02-24
Company: Stearns Ventures, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Stearns Lending assumed my home mortgage from XXXX in XXXX 2013. We added Stearns to our condo insurance policy as an additional insured at that time. Subsequently Stearns notified us that we did not have coverage and would provide hazard insurance for our property. We replied to their correspondence with proof of insurance coverage and Stearns replied that their hazard insurance had been canceled but that due to a lapse in our coverage we were charged {$34.00} and an impound account was initiated. We have never had a lapse in coverage on our property. There has been a continuous policy in place first with XXXX and then with XXXX XXXX. There has been no lapse. 
We have continued paying our mortgage on time with full principle and interest payments. We do not believe we should be charged for the {$34.00} premium or the escrow account. Stearns has now charged us late fees and submits us to a barrage of harassing " collections '' calls. I have invested much time and aggravation in attempting to clear up this matter dealing with a very difficult customer service organization at Stearns. I would like this matter resolved and my account statements corrected. Recently Stearns mailed me a check for {$150.00} with no explanation. Since I am clear that I have made the appropriate payments I will not cash this check, but do expect Stearns to correct my account statements to remove all charges for insurance and escrow withholds, which I neither need nor want.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I am currently repaying a student loan to fedloan servicing who have an inaccurate total that I currently owe them. All of my loans have been consolidated but credit has not been given for the payments that federal government collected over a period of 20 years. When my loans were defaulted, my taxes were taken and I was voluntarily having {$170.00} withdrawn from my checking account for over 16 years. The collection agency was the XXXX XXXX XXXX and I have not been given credit to my account for those years of payments that they collected from me. I want those tax collections that they intercepted and I want those voluntary checking account deductions to also be credited to my account. This will significantly impact my payments.

Company response to consumer: Closed with explanation