BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-14
Company: MOHELA
State: LA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: ASSOCIATED BANC-CORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2020 I went to Associated Bank located at : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, MN XXXX, to open up a checking account. I met with XXXX XXXX, Certified Relationship Banker 2. I was informed by Mrs. XXXX she couldnt open up a checking account for me because I had adverse information on my XXXX XXXX Consumer Report. I contacted XXXX XXXX on XX/XX/2020 right after I left the bank and inquired about the adverse information on my XXXX XXXX Consumer Report. XXXX XXXX informed me there was no adverse or negative information on my consumer report. I am XXXX-American ( XXXX ) and i was discriminated against by Associated Bank based on my race. Associated Bank had no reason to deny opening up a checking account for me. Mrs. XXXX lied to me and discriminated against me because I was XXXX. That was racist and wrong of her to do. Associated Bank is engaging in discriminatory practices based on an individuals race.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On the XXXX of every month I have apparently been getting charged around 9 dollars by XXXX for some payment dealing with an XXXX. I checked online and apparently this happens to a lot of people I was told to ask for help here.

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 2016-12-15
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I sent a Request for Information under RESPA to XXXX, and to Specialized Loan Servicing , LLC. Neither XXXX nor Specialized Loan Servicing LLC responded to the actual Request for Information under RESPA. I hereby file a Notice of Error with these firms, and demand that they supply an answer to the RFI. There is some person named XXXX XXXX at XXXX XXXX whose inane letter states that my request is too broad ; it is not- my request is based upon RESPA , see my letter for the citation to United States Code. XXXX XXXX should be banned from the financial industry for his de facto abuse of a XXXX Veteran. 

Please stop any foreclosure while Specialized Loan Servicing LLC and XXXX XXXX respond to my demand for RFI. 
The above notwithstanding, I am applying for a modification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: EQUIFAX, INC.
State: UT
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:
While trying to qualify for a mortgage, my lender indicated that there were several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me I am not familiar with and I have no idea what these negative items are about.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: Experian Information Solutions Inc.
State: UT
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:
While trying to qualify for a mortgage, my lender indicated that there were several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me I am not familiar with and I have no idea what these negative items are about.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is my fourth time making a request about the same debt. I was a victim of ID theft. Upon checking my credit. I realized for the 4th time. XXXX XXXX XXXX has sent an account to collections in my name. I just turned XXXX and I have already had to deal with XXXX other collections companies about this very same debt. Each time, the collection has been removed. From what I can tell this account was opened when I was XXXX and not yet had begun to use or even know anything about credit. I expect this information to removed immediately from my credit file. It appears that XXXX XXXX XXXX continues to sell or send this account to multi collections companies because I have been hindered and demised I plan to file suit XX/XX/2020. This account is not mine. I stated it over an over again but this has been such a hindrance I can no longer continue to go about it resolving it in this manner. For the record. I have never had any contact or communications with Credence Resource Management. Not by mail, or telephone fax or any form of communication. The item just out of nowhere appeared on my credit profile. with a note in the Activity Field " XXXX XXXX '' Again, This item doesn't not belong to me. Because of the hassle. I will file suit this month and will include and party involve in this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14
Company: AMERICAN EXPRESS COMPANY
State: LA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: PNC Bank N.A.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX - filed for forbearance with PNC as I was not sure what my employment future looked like after pandemic outbreak. Never received a statement during or when the forbearance ended as to what I owed compared to what I had payed. Then XX/XX/XXXX, I started getting notices in the mail that my account was in the rears and owed more than I could pay. However any extra that I tried to send was sent back, but then I would get another bill in the mail stating that I owed more than the normal payment. In the meantime, they wrecked my credit rating so that I can't even shop for another loan servicing agency. Up till I asked for forbearance, I had no issues with this company and I've had a mortgage with them since XXXX. In my opinion now, they are crooks and punish those who need help. After my financial responsibility with them is over, I will never do business with them again and I will tell my family and friends not to do business with them as they are too big to care about the little guy. 

XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Was not notified of investigation status or results

Complaint:
I recently sent letters over 60 days ago to this bureau or theses bureaus and they are disregarding a regular consumer disputes. I'm stressed out and have been sending letters to have theses issues resolved before this and still no response. This is stopping me from pursuing my future for me and my kids

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Louisiana Recovery Services Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2022-08-04
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 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 A 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 2020-08-14
Company: Experian Information Solutions Inc.
State: VA
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: Was not notified of investigation status or results

Complaint:
I recently sent letters over 60 days ago to this bureau or theses bureaus and they are disregarding a regular consumer disputes. I'm stressed out and have been sending letters to have theses issues resolved before this and still no response. This is stopping me from pursuing my future for me and my kids

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This company Golden One stole XXXX from me and had been improperly reporting my credit card pavement as late as they had when I paid to it in the wrong account now I have found out they purposely done this things. I have been with this bank for over 20 years and this company as reported me negatively to the credit agency. In fact I had a identity theft on my account and this company tried to turned it around on me. In fact this company had wrongly report myself to the adult protection agency claiming I was trying steal money from my boss who rarely even pays my work balance. In fact this company told the adult protection agency XXXX that my account was overdrawn they have been given out my bank information to anyone and for that have violated their own policies. In fact they have not resolved the problem and now the company is has the adult agency investigating me based on a lie their company told out vindication ans spite. False reports are a crime and so is giving the adult agency personal business is not something that this company should have done. This company has been racist to me since I have been with them and tent are stil racist,  practicing lies and undermining me a a person.

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 2016-12-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WV
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
My husband and I are both Veterans. We are divorcing and agreed he would take the house that is in both of our names, but under my VA entitlement. We were in the process of refinancing it out of my name and solely into his. We did the quit claim deed, got his XXXX, paystub ( {$3500.00} bi-weekly ), letter of verification, everything asked for. He was set to close on XXXX XXXX and I moved forward making an offer on a home for me and our kids. Communication break downs, misinformation changing of stories started happening two weeks before closing. They could not verify occupancy which made no sense as all his XXXX and paystubs verify this is his home. I could never get our loan officer on the phone, I was either getting calls from other people in different departments. I was promised to get a call from our loan officers manager immediately, and a week later, 6 days before closing, I was told they would not be able to refinance and I needed to contact the VA directly if I wanted my name off the loan. When I called the VA, they told me I should talk to the bank because a simple modification can take my name off the loan since it was in our divorce agreement. This is USAA Mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX and Transunion constantly failed to removed an alleged charged off account that is inaccurate and misleading I disputed this same account with XXXX and got it removed aren't they under the same standards as the FCRA to have it removed? The account has various inconsistencies across multiple bureaus different dates of last payment and activity the company the alleged charge off is assigned under wont even issue me a 1099-C for cancellation of debt yet they claim it was charged off - Please remove this account from my credit report ASAP I am trying to get a mortgage loan and this erroneous reporting is making it impossible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened onXX/XX/2019 with a credit limit of {$3000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: Diversified Consultants, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In 2012, I was on contract with XXXX for XXXX cell phones and a data plan. I was in the middle of being kicked out of home, and having found a new place to live I was understandably low in the bank. I had paid my bill on time and in full for several months, so I contacted XXXX to discuss delaying payment ( and late fees ) until a later time in the month to give me time to accumulate the funds. I was told that this would be acceptable and could pay at a later date. When I prepared to pay my bill, I was surprised by not only one late fee, but several other undefined fees that added up to more than twice my normal bill. I was unable to pay ; however, I needed to move to another provider as to continue service for myself, my brother, and my business partner. I was unable to settle the debt in full ; however, I had attempted to contact XXXX to negotiate a payment plan which was denied in full. I have since been unable to pay this debt in full and would like to present this case for what it is and have the debt settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We are applying for our loan refinancing since XXXX in Navy Federal Credit Union. Until now we havent closed and we contacted our loan processor for the past few days on XX/XX/XXXX and XX/XX/XXXX through their customer service to provide us an update on where are we in the process. The last time we have heard from her was XX/XX/XXXX. We were informed that nothing is required from us and that it was ready to be submitted to the underwriter. She even said that we will hear from her in the following week meaning after XX/XX/XXXX. Despite of our resiliency, our attempt to get hold of the processor, we were never provided with an update. 

Prior to XX/XX/XXXX, there were series of emails that we sent to her to provide us an update but she never replied in our email. It was in XX/XX/XXXX that she spoke to us. Our loan refinancing has been more than 115 days and Navy Federal has been so slow in processing our loan application. I was told by the customer service representative that the loan processing could be take 120days. We felt that we are being overlooked despite of our proactive approach in providing what is needed to close. We are navigating in uncertainty and we desire to protect our family by being resilient but this bank has never understood the proactive approach in conducting business. The loan should not be sitting there left untouched. 

I also reached to customer service to let me talk to the supervisor but did not even receive a call or email to provide an explanation. 

I am writing this complaint so that due attention should be given not only to us but also to the customers out there who experienced the same treatment and let the management of the Bank draw a proper attention. 

You contact me to provide support and details.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation