BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-28
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/2016, we received a postal notice from Specialized Loan Servicing , LLC, located at XXXX XXXX XXXX. XXXX . XXXX, XXXX XXXX, Colorado XXXX, that their company had purchased my primary mortgage, and we were to stop making payments to the previous company that had held the mortgage. The notice said that we would receive information about how to make payments, and that our monthly payments would not change from the previous company 's amount. By XXXX XXXX, we had not received an identifiable account number, statement or payment book, so we twice called the number on the postal notice. However, we were unable to get past the automated messaging system, which requested an account number. This request was not satisfied, evidently, by inputting the number on the original notice, nor by inputting my social security number. We waited for a statement or further payment instructions. By XXXX XXXX, none had arrived. We went to the SLS website and attempted to set up a payment account to make online payments. Again, both my social security number and the number on the original notice turned up the statement in red that the system did not have an active account for me on record. We took a screen shot of this notice and have attached it to this complaint. Then, on XXXX XXXX, 2016, we received a XXXX delivery of a packet containing information about applying for a U.S. Government Hardest Hit Fund that is NOT LISTED as available in my state, and forms to fill out for foreclosure on my property to send back to SLS. Buried on page XXXX of this multi-page packet was a statement that I was delinquent in one or more payments to SLS, a company that had never made it possible for me to make a secure and traceable payment toward a stated amount. That same day, XXXX XXXX, 2016, I immediately tried again to telephone SLS. This time, my call was routed by automated system to a " different office '' that gave no useful information. I kept trying until I was offered an option to speak to a person in a department called Customer Resolution. The woman who answered asked why I was calling SLS. I told her that I had received a XXXX statement that I was delinquent in one or more payments to SLS when SLS had never sent me a bill, had never acknowledged online that I had an active account with them, and had never made it possible for me to register to make secure payments. She immediately hung up in my face, without another word.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
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 ACCT # XXXX ACCT # XXXX, XXXX  XXXX/XXXX  ACCT # XXXX, XXXX  XXXX/XXXX XXXX  ACCT # 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 explanation
Consumer complaint received 2017-03-10
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I requested an extension for my car payment for the month of XX/XX/XXXX. American Honda finance told me they would call me back about it and it should be no problem. I received a call back stating I would need to pay the late charges associated with the account before I can be granted an extension. I made my full car payment that date which happened to be one day late. ( XX/XX/XXXX day ). They never reported it late. The next month ( XX/XX/XXXX ) I paid my full car payment on the XX/XX/XXXX day. American Honda reported it late 30 days. I disputed the XX/XX/XXXX late charge and American Honda came back saying it was validated and added XX/XX/XXXX late also. I have never made a 30 late payment for the XXXX cars I financed in my life time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX  XXXX {$1400.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX   XXXX {$1200.00} XXXX XXXX   XXXX {$1400.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXXXXXX XXXX XXXX {$660.00} XXXX XXXX  XXXX {$720.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$16000.00} XXXX XXXX {$210.00} XXXX XXXX XXXXXXXX {$460.00} AR CHILD SUPPORT ENF  XXXX {$97.00} XXXX   XXXX {$180.00}

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 2020-04-02
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020, we received a call from a man identifying himself as working with the district attorney 's office in XXXX, Arkansas. He stated that our grandson had been arrested and needed bail money. He asked us to wire {$2800.00} to Western Union in XXXX, Arkansas. 
We went to the Western Union office within our bank and wired the money. Within two hours we realized it was a scam. We called Western Union and told them to stop the money and send it back to us in California. We waited two hours, called them back, and they stated that the file had been marked scammed and were returning the money. We called numerous times with the same explanation. 
We went to our back with a police officer and they said the money was not there. We again contacted Western Union and were told the money was being returned. No results that day. We called Western Union the following morning and they stated the money had been picked up in New York, the previous afternoon at approximately XXXX. We questioned this as to how this was possible when the money should have come back to the California office. 
At this point, we filed with the fraud department within Western Union requesting our money back from them. They filed a claim - or so they said - this was the beginning of at least 4 different claims being filed., with every excuse in the world why we were not getting the money back. I stated to them numerous times that I felt there was fraud going on within Western Union or somebody had tapped into their system. This was like talking to a wall. 
As far as I am concerned all the employees that I have talked to in the Western Union fraud department - and there have been many - could care less and they are reading strictly from a scripted message. The simple problem I tried to explain to them, at least a half a dozen times, was the money should have been returned directly to the office where we had wired it from - California. I feel the money was never going to XXXX, it was being diverted to New York within the Western Union system. This whole process was a scam from the beginning. 
If you would like all the case numbers, and notes, I can supply that information ; however, I feel they need to fix the problem and clean up their act. You stated not to include any numbers but if you contact us directly, I will give you the original wiring instructions so that you can follow up on this. I am sure this has happened to many people and they have no recourse with Western Union because they don't care and so people give up. I am not one of them. At this point, I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Balance transfer

Complaint:
I applied for USBANK visa signature card since they were offering % 0 APR for balance transfers for one year. Also they were offering {$100.00} credit if you spend {$500.00} within a month. I completed both requirements and to my dismay I was denied the promotions they were offering after I made a balance transfer and spend over {$500.00} on the credit card. I called customer care and spoke to supervisor called XXXX and almost spend one hour on the phone since these guys are not organized and specialized in wasting valuable customers time. I was told balance transfer did n't hit my account within first month of account opening which is not true. I did some due diligence prior to balance transfer and called USBank customer care and I was told as long as I completed balance transfer on XXXX XXXX I should receive 0 % promotional APR and I followed their instructions and completed balance transfer request on XXXX XXXX. As per supervisor XXXX I was told I should have completed balance transfer on XXXX XXXX which is Sunday which is contrary to what I was told by previous customer support reps. I opened USBANK checking acct on XXXX XXXX along with credit card and I used the credit card as soon as I received it on XXXX XXXX which prompted me to believe USBank is counting the day they mailed credit card and not the day I received the credit card which is not ethical way of doing business. USBANK clock is ticking even when I do n't possess credit card to request balance transfer. I was told by supervisor XXXX I should have an existing checking acct inorder to qualify for {$100.00} credit. 
USBANK web site should n't be offering me credit card offer along with checking account opening if there is a requirement of existing checking account and this practice is very misleading. USBank is offering so many promotions in a misleading way just to attract customers and denied promotions once they open accounts. USBANK web site should n't be offering me credit card offer along with checking account opening if there is a requirement of existing checking account and this practice is very misleading I demand that USBANK grant me % 0 APR for balance transfer since I was given misleading info from customer care and also USBANK clock is ticking even when I do n't possess credit card to request balance transfer. Also USBANK should give me {$100.00} credit Since USBANK web site should n't be offering me credit card offer with {$100.00} promotion along with online checking account opening if there is a requirement of existing checking account and this practice is very misleading

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-18
Company: Caliber Home Loans, Inc.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Ive have been working on refinancing my house since last year of XX/XX/XXXX, Ive assumed the loan and removed my ex -co borrower I was contacted by Calliber home loans team to refinance my house, I told them the situation were I had a court judgment entered from the judge for the ex borrower to sign a quit claim deed, Calliber advised me they would handle the situation in XXXX of XXXX I got a closing date from them 4 different times, they XXXX the processor and XXXX told me that the signing from the ex is all we needed to move forward to close, I told the ex borrower if he signed off I would sign off on a satisfied judgment of the amount the was entered against him for XXXX so I could close on my house the next following day! Come next day they Calliber told me they were going to close me out on the flowing Saturday never happened I got a email stating your 3 day waiting period has started, I was supposed to close on XX/XX/XXXX then they changed to the XX/XX/XXXX then today I get a call stating they cant close me out! Something is wrong something is not right I removed him off my loan and now my title, they are telling me income verification when I was promised 4 different closing dates! Id like them to be held responsible for my XXXX $ for misleading me and misguiding me, and also pay off my loan since they wont refinance me, its not my mistake someone dropped the ball and they cant fix it and I need help, also the city gave me a tax deduction due to property taxes going up, but yet they still are making me pay them, I have more documents and emails and proof! I want justice

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Pinnacle Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been attempting to pay this debt for years. Every time I spoke with XXXX XXXX they could never find me having any sort of debt or collections. Finally about 2 months ago was contacted by a collection service for this debt and it was paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14
Company: HCFS Healthcare Financial Services of TeamHealth
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A women called me from this company threatened me regarding this collection and was very rude and nasty to me wouldn't give me any information on what was owed or why and told me if u didn't pay it the would seize my paychecks and go after my family for it if it wasn't paid. Medical should never be on a credit report nor should I be threatened to make a payment this is outrageous.

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 2020-04-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Complaint regarding USAA FSB unfair acts and practices. The USAA did not conduct a reasonable investigation of my credit card dispute v. XXXX regarding a charge of {$110.00}. 
I was notified that I did not provide the requested supporting documentation. 
No specifics were given. I disagree. I attempted to upload and uploaded the supporting documentation through the USAA website and App. Based on that documentation the USAA should have concluded that XXXX unfairly cancelled my tickets without my consent. I contacted USAAs Director and CEO XXXX XXXX but have not received a response. 
The USAA continues to engage in unfair acts and practices in my case. They should provide full, clear and unambiguous description of their investigative efforts. In early XXXX the USAA was ordered by CFPB to pay {$15.00} XXXX in fines and restitution for unfair acts and practices.The CFPB determined that USAA FSB failed to stop preauthorized electronic fund transfers and denied customers a reasonable error resolution investigation. 
The USAA is poorly run. The quality of its services has precipitously deteriorated. 
My dispute regarding XXXX should have been resolved in my favor based on the documentation I provided. 
I request the Board of Directors investigation of unfair acts and practices in this case. No response was received. 
It is also no longer possible to communicate with USAA via messaging regarding banking matters. The messages are limited to Investments, Insurance and comments about its website. The USAA customer care is in severe decline. It is no longer possible to file grievances and communicate with the Board Members via  messages. 
These practices are unacceptable. 
I no longer have my auto insurance with USAA because the USAA rates are unreasonably outrageously high. 
I am a XXXX  member of the XXXX XXXX XXXX. 
I should receive the best treatment possible from the USAA. 
Thank you for your anticipated help. 
Very respectfully, XXXX XXXX, XXXX, XXXX ( XXXX. 
XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 requested that XXXX and TransUinon preform a independent investigation with dispute on XXXX account XXXX. This account is being inconsistent reporting first date of delinquent by both credit bureaus and has been re-aged. Re-aged account is a violation of the XXXX. XXXX report XXXX is XX/XX/XXXX XXXX is reporting XX/XX/XXXX. XXXX report TransUinon is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX. XXXX report TransUinon is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX. There are different years, months and dates of first Delinquency on all three reports for each month This is inconsistent reporting by TransUnion and XXXX. This account account has been illegally re-aged which is a violation of the XXXX requirements. 

I have attached a copy of my credit reports as proof for the months showing the inconsistent reporting by the credit bureaus.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: EQUIFAX, INC.
State: NJ
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/20 I received a letter from XXXX XXXX  would remove the public record from my file. They provided me with a letter I forward that letter to the Experian and XXXX  which continue to state that the bankruptcy is verified and refuse to remove 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 2020-04-02
Company: World Acceptance Corporation
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My charge off account from 2013, has been listed on my credit report multiple times, the company World Acceptance, Wfc, World Accep, is the same company but they report they transferred it only to add a charge off again and lower my score. 
I have disputed this account with the credit bureaus and World acceptance has Responded with it's correct information, which means they lied and I can file a lawsuit I want this off my credit report, they need to be investigated, they did this to my wife also.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Experian Information Solutions Inc.
State: OH
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:
All three credit bureaus reporting 30 day past due for the month of XX/XX/XXXX. I requested the creditor to fix the problem and bureaus to fix the problem multiple times. This account was never 30 days past the due date. The due date for this account was on XX/XX/XXXX. I made the payment on XX/XX/XXXX. It posted on XX/XX/XXXX. 30 days past due would be XX/XX/XXXX. The payment was late but not 30 past due.

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 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation