BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-21
Company: UNITED SECURITY FINANCIAL
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have a loan through United Security Financial being serviced by XXXX XXXX. We are under a VA loan and are currently trying to sell our home, in Virginia. Our appraisal was for {$160000.00} and they are refusing our current offer for {$160000.00} and refusing to utilize the VA short sale procedures. Our house has been on the market for over a year and this is the only offer we have had. They are refusing to accept the offer and want to net more money, even though they will be able to get at least {$48000.00} from the VA

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I apply for a credit line with XXXX and I was approved. But on my credit report with Trans union appear a credit inquiry, like it was n't aproved. My dispute with Trans Union is, if I was aproved why I have the negative inquiry in my report. Thank you for taking care of this issue. 
I been working hard in rebuilding my credit. Please remove it 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 explanation
Consumer complaint received 2022-10-18
Company: Grain Technology, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Grain provides a revolving line of credit that you can access through your existing debit card without issuing a physical card. This approach empowers you to use what you need for your day-to-day, build good credit, and ultimately gives you more ownership over your credit. What happens this company does not tell you is, how they are keeping your personal information and will not allow you to pay your balance in full or any other higher amount besides the minimum payment due. This company has kept numerous people personal information including, SSN, addresses, DOB, bank accounts and most of all dropped individual credits tremendously. I have requested to make a payment to this company and was blocked. Grain would kick individuals out of the system by unlinking their bank accounts that was provided to make payments and drop the customers credit score. I have called customer service and e-mailed Grain numerous times without receiving a response back. The company has made it impossible to cancel their app without paying in full thus creating a deceptive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
The Bank of America approved a check that I deposited into my bank account on XXXX XXXX, 2015. I waited for the check to clear and then made an electronic transfer into another account at the Bank of America for the purchase of a computer and software. Immediately after I made the deposit into the other account the bank told me the check was fraudulent and I was responsible for paying back the money - even though they had they money from the check in another account at their bank. I explained to them what had happened - which is in a statement attached to this website- and they refused to even take a fraud report. I believe the Bank of America is guilty of money laundering and now they have placed my name on a banking blacklist so I can not open an account at any other bank. 
Please see attached statement to get the full details concerning this event. I submitted one claim already and did not hear anything back and I can not find the reference number so I am filinf another complaint about the same incident.

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 2021-01-07
Company: CL Holdings LLC
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Jefferson Capital would non stop call in regards to a disputed debt that occurred with XXXX XXXX over 2 years ago.I told XXXX I was going on XXXX overseas and to put a hold on my account. XXXX never put a hold on my account and immediately threw it into collections while I was XXXX. They damaged my credit and refused to correct it even though it was a violation of the Servicemember Civil Relief Act. Eventually the credit bureaus dropped XXXX derogatory notes after disputing them. Now XXXX ofXX/XX/XXXX Jefferson Capital decided to pick up this debt and won't stop calling me and hit my credit every month with a derogatory remark of past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
A garnishment was erroneously placed on my bank account XXXX legal fees were assessed for the order by the bank. The garnishment was lifted and all associated fees reversed aside from the legal order fees. Due to the erroneous nature of the garnishment, I want my fees reversed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion has let XXXX XXXX XXXX report incorrect information on my credit report for months. The only way I have gotten some of it fixed was with multiple disputes, which then let XXXX XXXX XXXX refresh my collection as if it was a brand new trade line, which is incorrect. 

XXXX XXXX XXXX have not been consistent with the information they are reporting to the CRA, and have not been helpful in rectifying the information despite my attempts to have it corrected. Between XXXX and XXXX 2016, they were reporting my collection as if it was a revolving account and adding 30-day late notes. They have never made any attempt at helping me resolve the debt, outside of the time I called them in XXXX 2016 to inquire about resolution. No follow up phone call or letter was received after that, even though I was told on the phone that it would be arriving. In addition to the lack of direct contact, in their correspondence that was sent regarding my collection, their language was almost threatening and it did not seem like they had any intention on helping me resolve my outstanding debt. Lastly, they also repeatedly check my credit report multiple times per month, almost as if they are trying to stunt my credit score growth and rebuilding.

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 2022-10-18
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize these inquiries on my credit report and did not authorize these to be reporting on my consumer report. 

Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-10-18
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In the back and forth with Rushmore over what I know to be questionable activity on my account. In the last response to my complaint, Rushmore has claimed that they " used XXXX funds to pay for XXXX and XXXX house payments which is a LIE ... .up to the point that Rushmore received the funds from XXXX XXXX we did not owe any house payments. They applied the funds they received on XX/XX/XXXX to XXXX payment, and XXXX payment. There was NO reinstatement to it! 

Rushmore continues to say that the nearly {$1600.00} was used because of " corporate advances '' from a XXXX bankruptcy, yet ... they say that it was to " reinstate '' the loan from XXXX? Which is it? It can not be both. 

I want a complete and total breakdown of the charges that was imposed on my account from the bankruptcy in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed multiple times the incorrect information being reported for an installment loan from XXXX Mortgage that 's has been continually reported as a mortgage loan and now I am unable to qualify for a first time home buyer loan due to this issue so I am unable to purchase a home and I am going to have nowhere to live due to the fact that my current lease is getting ready to expire.. PLEASE help me, I do n't know what else to do, myself and my son are in a very difficult situation and I need immediate assistance. 

I from the bottom of my heart appreciate your immediate assistance. 
XXXX 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 2016-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Transunion was hacked and my credit report file, a hacker set up an account using my SS # and was sent credit reports by Transunion with all my information. the hacker then opened various accounts and also opened several cell phone accounts with XXXX and we got the notice and welcoming packet from XXXX sent to me at my home address, this started us investigating and found the fraudulent account set up on Transunion ... ... ..they never contacted my wife to say that the account was set up.

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 2015-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed information to be incorrect regarding dismissed bankruptcies. I have never been in court on such a matter and was told they verified this through a XXXX party called pacer. XXXX has no such files under my ss # and again I let them know that. Still they continue to report it even after submitting the proper theft report and affidavits si, ply stating there was no info on file. This is a violation of XXXX and other laws under FCRA and FACRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I received and notice to my email to apply for a credit card. Being I already have two cards with capital one I decided to apply. After applying I received a notification to upload verification. I uploaded a driver 's license and paystub. A few days later I started to follow up on my application. On XX/XX/XXXX I called and got absolutely no where with the representative and requested a US rep. Got a US representative who kept discussing my current cards and asked me if I could give her the last four digits to a card I don't even have ( XXXX ). I spent XXXX  mins on the phone with no answers or resolutions. On XX/XX/XXXX I called and got XXXX in the fraud department who was not just incompetent but rude. Extremely. When I asked to speak to a manager she said " I'm a manager and I'm as high as you can go sorry '' when I said I would like to put in a complaint regarding how rude she was she said she will note her on complaint!!! And .... Said she will not let me speak to anyone else! This is ridiculous! I understand doing verifications to prevent fraud, but I have two cards always! What a joke and a waste of time. This company has to be the worst! Disrespectful, arrogant, and incompetent. I will be issuing a XXXX  complaint as well. 

Such fraud. Sends me a pre-approval and say I'm not who I say I am!. 


Application # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Kohn Law Firm S.C.
State: WI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
These were personal loans that were taken tout years ago. My mom was the co-signer on them and she has now been deceased for almost ten years. I have paid faithfully for the last 5 years of over {$30000.00}. Im asking that these two debts be forgiven or discharged because I struggle financially struggle every month making the {$500.00} payment along with my other expenses. Especially when XXXX hit. It seems to be a roller coaster trying to make ends meet. Where I work was greatly impacted by the pandemic. Business has been up and down for the last couple of years. PLEASE FORGIVE ME OF THESE TWO DEBTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed Transunion that I do no have a balance owed on XXXX XXXX XXXX, acct XXXX .... I submitted documentation to Transunion that I have sent certified mail via USPS to address on file with Transunion and creditor, XXXX XXXX REFUSED deliver usps tracking number XXXX. I then asked Transunion to delete item from my credit report as unverifiable, but Transunion replied Charged off as bad debt|Dispute resolved ; reported by grantor. I do not owe this creditor. The creditor is unwilling to verify any balances with me nor accept any correspondence from me attempting to do so. I also supplies Transunion with a letter from my attorney demanding that XXXX XXXX remove all negative reporting until we are able to verify account. Transunion blatantly ignored my request. I asked that Transunion provide me with how they are obtaining this verification from creditor and that too has been denied. This creditor updates my information randomly with inaccurate information effecting my daily credit scores. Most recently creditor updated file on XXXX/XXXX/2016 that I owed {$8500.00} an additional amount after verifying I supposedly owed {$8400.00} on XXXX/XXXX/2016 and XXXX on XXXX/XXXX/2016. This creditor is intentionally trying to destroy my credit by updating false information and Transunion is an accomplice to the act by refusing to accept my documentation that the debt does not exist or remove it until company is willing to provide documentation.

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 2022-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
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:
I am including the letter that I sent to Bank of America regarding a credit card dispute. I had ordered tires by mistake, and wanted the order canceled. I was told over the phone that this would be taken care of, but the order was still sent. Due to this, I then disputed the transaction from an auto company, who, after a lengthy dispute, said they would accept the return. I have all of the email records and screenshots of the issue and their guarantee. 

Instead of accepting the return, the merchant responded to the dispute. 

Bank of America followed all of this up by sending me the documentation regarding the dispute ( dated XX/XX/2022 ) but indicated it was due on XXXX XXXX, 2022. The actual mailing was not received by me ( via XXXX ) at my address until XX/XX/2022 ( yes, I check the mail every day ). Their customer service representative also indicated that there were no notices sent via their online portal. 

The timeline for these disputes is not long enough and did not give me time to respond properly to the complaint. They need to do a better job of taking care of their customers.

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 2016-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result.. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed.

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 2022-12-09
Company: Experian Information Solutions Inc.
State: NY
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 submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021

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 2022-10-18
Company: Nelnet, Inc.
State: SD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX, I called Nelnet to determine what I needed to do to make my student loans direct to qualify for the XXXX relief plan. During the call I was informed my loans were already consolidated and no further action would be needed to qualify as direct loans. 
Today, I learned that was incorrect and the information should have informed me to apply for my loans to be converted to direct as I was inquiring about. 
The deadline for this type of application was expired on XX/XX/XXXX. 
Realistically, I face an enormous uphill challenge to prove to the XXXX of XXXX that I was incorrectly advised and to allow an exception to my loan conversation to still qualify. 
I have no mechanism to hold Nelnet responsible, which will cost me thousands.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: Financial Credit Service, Inc.
State: NH
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 have received a collection call from ARA, noting that they have attempted to reach me on several occasions to collect on a debt, valued around {$8000.00}. The debt was apparently last held by a payday loan company, known as XXXX. Prior to that, the debt was held as a signature loan with a company ( XXXX XXXX ) that is no longer in business. The debt supposedly originated around 2001 - 16 years ago. The issues with this request are : ( 1 ) I have never taken out a signature or payday loan with the companies noted ( 2 ) I have never received any communications regarding said debt - written or otherwise After doing some extensive research on Asset Recovery Associates, I have found a multitude of complaints across various websites about this company. They purchase extremely old debt and attempt to collect on it. The problem is that the debt is either : ( 1 ) Beyond the statute of limitations ( in NH, it 's 3 years ) ( 2 ) The debt in question is not even tied to the person that they are trying to collect on I am extremely concerned, as it appears that they were able to acquire a copy of my credit report. They noted all of my current creditors, of which I have a very good or excellent standing. They are threatening to take me to court for a debt that I do not owe with a creditor that I have neither done business with. Based on the numerous complaints that i have found online about ARA, this appears to be their method of operation. I find this to be highly illegal, especially with the treatment that they have given me. They are threatening court action, which I know that they will lose ... but not without the potential risk of hurting both my identity and my credit worthiness

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Avant Holding Company, Inc.
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
This is the second time this has happened with this particular credit card, Avant. The first time, I happened to look at my statement and saw charges from a fitness club I did not make or have no knowledge of the fitness club. When I look up the fitness club on XXXX it shows all of the fraud done, by XXXX XXXX XXXX, to other people on their credit cards and the complaints they've made. The name of the fitness club is XXXX XXXX XXXX So, I called and reported the fraud and was issued a new card. I paid off the balance of my charges. The card was at {$0.00} as of XX/XX/2022. I receive an email today, with a new statement, and when I looked at the statement the same charges from XXXX XXXX XXXX were there again, giving me a new balance. I immediately called to report the fraud and requested my account be closed. I spoke with the fraud department and also customer service and was told the call was recorded. Please investigate.

Company response to consumer: Closed with explanation