BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
To whom it may concern : I am writing to to see if you can help me resolve an issue I am having with the credit reporting bureau Transunion, XXXX, XXXX i recently requested a copy of my credit reports from each of the credit bureau. Upon receiving my copies I realize some inquiries on my report that i did n't do. I wrote several letters called several time and still the inquires has remained on my credit reports. The Inquires are XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. I recently send out certified mails to each of these company and I have not heard back from them regarding these inquires. I am asking if you can step in on my behalf this is my last stop to see if I can have these information remove. The only thing they have done is erase the names, addresses, phone numbers, and the person had change around my social security number so they fixed it once i mailed over a copy of my ID, bill with my real address, & S.S.C. to them. They still refuse to remove the inquires that was on my report that i never applied for credit with these company. All the 3 credit bureau did is placed a FRAUD ALERT on credit report for 90 days. I am not understanding why they can erase all the fake names and addresses that the person was using to be me why the inquires ca n't be removed. Please I am seeking help from you or point me in the right direction to get this issue resolve because of all these things it is making it hard for me to really know which way to go. I am patiently waiting on your response. Thank you in advance for your help I really appreciate it.

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 2017-06-28
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/XXXX I obtained a mortgage from Citibank for my home. I decided to use Citi for my mortgage because of a promotion they offered where they said that if I kept a minimum balance in a checking account they would reduce the interest rate by 1/8 th of a point ( percent ). They never applied the promotion that they promised. In XX/XX/XXXX, they sent a letter to me acknowledging that the interest rate discount to which I was entitled was " inadvertently not applied '' to my loan and they offered a check which would retro-actively reimburse me for less than 5-years of the amount that I had incorrectly been asked to overpay. In addition to not including any interest on the money they had unfairly collected, they have refused to apply the 1/8th of a point reduction to the ongoing interest rate that they have already admitted in writing that I should be receiving. This is totally unfair and I contacted the company to explain my position 3 times over the past 3 months : once at the local branch, once by phone and once by an escalation person that called back when I said I was not satisfied. In each of these conversations, the representative said the same thing : that I was correct that I should have received the lower interest rate but that they were not going to correct their error for any of the remaining 25 years on the loan. This represents a bait and switch theft of over {$31000.00} from me by the bank 's admitted wrongdoing.

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 2017-10-19
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We are reporting Shellpoint Mortgage Servicing for fraud. They overcharged our escrow account ( loan # XXXX ) by {$3300.00}. 

I have been trying to recover these funds for the last XXXX months, and have spent countless hours in the process. I eventually recovered {$3200.00}, but Shellpoint still owes us {$120.00} ( see row XXXX in the table attached ) - their Escrow Department now says they cant refund this money because our loan is no longer in their system ( we refinanced with another lender ). 

Please help us to recover the last {$120.00}, and investigate this company for fraud. I think they believe most homeowners wont take the time to find their errors, and cash in accordingly. Can you imagine how much money they make if they charge every loan in their portfolio an extra {$3300.00}?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: ENCORE CAPITAL GROUP INC.
State: OK
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:
I recently sent an investigation/dispute letter on XXXX XXXX, XXXX to Mindland Funding which was delivered on XX/XX/XXXX, XXXX. According to The Federal Fair Credit Reporting Act 15 U.S.C 1681i Midland Funding had 30 days from the date they receive  my dispute letter XXXX XXXX ) to fix any discrepancys that has been reported to the credit bureaus and/or send validation of the debt. Almost 3 months later I still haven't received a validation of this debt which nor has anything been updated on my credit report. I then decided to write another certified letter on XX/XX/XXXX stating stating I allowed more than enough time to finish the investigation and/or to fix any discrepancys that may be on my credit report. I also stated that I did my own investigation and that XXXX XXXX informed me the debt was sold for less then what is being collected for, with a charge off date of XX/XX/XXXX, and the account was opening on XX/XX/XXXX. This is not what my credit report is showing and according to the Fair Credit Reporting Act and The Fair Debt Collection Practice Act these account are to be deleted due to the lack of accurate information reported and not providing validation of the debt in the time frame allowed by FCRA. 

I received a letter form Midland Credit Management dates XX/XX/XXXX 4 months after the original investigation letter was sent out stating that their records are reporting correct and another letter stating I was pre-approved for a discount program to save me money. There was no validation sent to prove the debt its real or if the amount is correct. ANOTHER VIOLATION OF MY RIGHTS because I specifically request validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Maximus Education, LLC dba Aidvantage
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loan servicer Aidvantage emailed me on XX/XX/XXXX to inform me that my student loan payments will resume XX/XX/XXXX even though the federal pause on student loan payments does not end until XXXX of XXXX. I tried calling them but I have still not been able to speak to anyone about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions 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 the following accounts have violated my rights. 
XXXX account # XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX ACCOUNT XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX file XXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that 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 2022-05-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent many letters, I have tried challenging the erroneus reporting, I have shown how inaccurate the reporting is across all 3 bureaus at least 5 times now and each time the bureaus use their automated system and somehow the creditor verifies it. How can it be accurate if it is not the same across all 3 bureaus?! How can I have different open and close dates, different payment statuses? I paid this account in full in XX/XX/XXXX as part of a settlement agreement. The account was never charged off or sent to collections. Every month they add a new random remark thus dropping my score even more when this was done in XXXX and there should be NO MORE reporting EVER past XX/XX/XXXX when it was paid and closed in full! This is completely against my consumer rights that no one cares that it is not reporting correctly when I point out blatantly inconsistent reporting! NO remarks/no reporting, no anything should have been reported past XXXX XXXX! Low and behold I log into my Equifax reporting and XXXX XXXX has added a new payment status : 120 days past due. Thats weird since it was been PAID SINCE XXXX! Incompetent and unacceptable! And how can they say this was charged off and sent to collections when it never was?! Which has also been one of their status updates! I did a settlement well before my account ever got to that point! Their own letter states that this will be updated as paid as agreed! So why is one bureau showing my CURRENT payment status as 120+ days past due and another bureau showing in collections/charge off if it is PAID! At this point I feel all of their reporting is malicious and I will sue if this is not 100 % correct or deleted from my reports in entirety. XXXX XXXX has bullied me enough the last 6 months with their poor reporting. As you can see by lying on their reporting as of TODAY XX/XX/XXXX and deciding to randomly go in and do a status update they stated my account is 120 days past due as the current payment status and it has yet again dropped my score XXXX points today?! Absolutely ridiculous. It needs to be corrected TODAY!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: EQUIFAX, 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:
To the associates overseeing the credit repair companies, I have been trying to correct my credit report because there is an account that is not mine being displayed on my report and it is very damaging. I have already contacted these credit reporting bureaus and disputed this account and the abuse I am getting from this company attempting to collect money I do not and have not owed and the companies refuse to show me a proper investigation. I was asking every one of them to tell me how this information was confirmed and what documents were received and reviews validations it and I have not heard from them or received anything. I do not owe these fund to this company and I have never heard of this company. This information was accidental ; y or illegal placed on my credit report. I do not know which is true but it must be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened this account with Suntrust in XX/XX/2021, with the banker XXXX XXXX at XXXX XXXX XXXX, XXXX, FL XXXX. Since that date has been impossible to enroll in online banking, first with Suntrust and now I received the new visa debit card Truist. I tried to enroll on the new online banking page and is the same issue. 
I put the debit card number, my pin, zip code and email address. Also I tried to reach the bank by ustomer service, I was verified with the pin but that is not enough for them and they are unable to send me a SMS code to the number registered with the bank XXXX XXXX XXXX A long time ago the bank gave me the security word and even that is not possible to enroll.

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: Square Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My fiancee amd I were XXXX shopping in 2 different places. We only have 1 bank account so i.had her send me.funds via cash app she sent me XXXX, XXXX, and then XXXX $ totalling XXXX $ shebsent it cash app immediately sent the payments back to her, but when they sent them back the funds were never returned to her or the bank. So they sent back money they shouldn't have and the money they show as sent back was never received back. I've been trying to deal with the company since it happened on XX/XX/XXXX but every time I get a response they contradict them selves. Once they Said they said they were all sent back then they responded again saying the XXXX $ and XXXX $ were sent back and the XXXX stayed with me. In which none is true I have their responses saved I have my statements saved and they all contradict eachother as you will see I get a different answer every time and the statements and their answers all contradict themselves

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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 XXXX Account # XXXX ; XXXX  Account # XXXX ; XXXX XXXX  Account # 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 2019-11-21
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:
XXXX XXXX # XXXX is reporting an account that I do not owe and should not be on my credit. I was scammed for the XXXX and I filed a report with the FBI. I do not owe this it is fraudulent and it needs to be removed from my credit.

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 2019-11-21
Company: Premier Student Loan Center
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was contacted by Premier Student Loan Center around XXXX of XXXX. I have some of the emails from them saved. They told me I could enter a program to reduce my debt and monthly payment. Naturally I thought this was great. The charged me {$600.00} plus {$40.00} a month from XX/XX/XXXX to XX/XX/XXXX. After Premier it went to someone named XXXX XXXX at XXXX XXXX  XXXX. Then from them to XXXX in XX/XX/XXXX. I seen on the news about some student loan companies being sued and noticed they ( XXXX or XXXX XXXX XXXX ) stopped withdrawing money from my account in XX/XX/XXXX. On my bank account their name shows as XXXX XXXX XXXX   XXXX CA. I called XXXX and they said I was scammed by this other company. I dont know what to do now other than file a complaint. I can show you bank statements if needed as well. I have a few more emails I tried to attach here but it wouldn't let me for some reason. Please let me know if you want me to send them.

Company response to consumer: Untimely response
Consumer complaint received 2017-10-19
Company: AES/PHEAA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
XX/XX/XXXX - Applied for PSLF because I started working for a XXXX XXXX and noticed that I now qualify for this as long as I remain at a XXXX  for 10 years ( 120 consecutive payments ) XX/XX/XXXX - spoke with a representative about my options with repayment that was going to come up in XX/XX/XXXX, once my forbearance was over. I was informed that my monthly payment could be roughly {$620.00} a month because of my family size and our income. NOT taking into account of our other obligations, medical expenses because my husband has XXXX XXXX, household expenses ( mortgage / electricity / oil ... etc. ) credit card and other student loan and personal debit XX/XX/XXXX - recertified my income based repayment schedule family of three, found out I was XXXX with XXXX, also help support my parents who are now approaching their XXXX because they help watch my daughter during the day while I am working XX/XX/XXXX - payments began in the amount of {$420.00} a month. This is the lowest that they could have done for payments for our family and income. They did not consider the fact that I have private loans with XXXX and a house and medical life expenses. 

I began making monthly payments since XX/XX/XXXX, trying to break it up into two to three payments within the monthly period. This is nothing but a stressful struggle. I reached out asking if there was anything else that could be done to lower this a little more, but did not get anywhere. 

Tried to consolidate and reduce my monthly payment for the two student loan lenders combined and was denied because of debt to income and the little amount we have available in our savings. 

I have asked numerous times if we could get the payment down to around {$300.00} a month, a little more reasonable living in CT and paying such high taxes, but no one is willing to cooperate with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, 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 XXXX Account # XXXX ; XXXX Account # XXXX ; XXXX FCU Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: EQUIFAX, INC.
State: FL
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 was an Equifax customer in 2017 when my personal data was breached unlawfully by someone outside the Equifax system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I found two online wire transfer which was unauthorized, made on XX/XX/XXXX and XXXX, 2022 total in the amount of {$5300.00} It was taken from my JP Morgan Chase personal checking account. 
I immediately contact the bank, still unable to get my money back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-28
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX, XXXX and XXXX a XXXX XXXX called and left a voicemail stating they needed a formal statement from me to verify wages and liquid assets. 

XXXX XXXX, XXXX, and XXXX a XXXX XXXX called stating she was from the paralegal office of XXXX XXXX and is contacting me about some paperwork that has come to her for review. The paperwork is marked to be filed through XXXX XXXX XXXX XXXX. I need to contact her or they will have the notice delivered to my place of work or home. She also called my job and talked to my head of the HR department stating the same information to her about me.

Company response to consumer: Closed with explanation