BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
To whom it may concern, My name is XXXX XXXX I contacted Transunion, XXXX, and XXXX about a tax lien that paid off and after I paid it the Dept. Of Revenue still filed as a tax lien under Public Records to all XXXX credit bureaus. I disputed the Public Record as inaccurate to all XXXX credit reporting agencies. Documents verifying that my balance was deducted from my taxes in XXXX was provided with a written statement, and a a paid in full letter. The tax lien then was reported as paid. My issue is my balance was paid before the lien was even filed. I sent all credit reporting agencies my documents supporting my claim. Experian deleted the Public Record after reviewing my evidence of the error. Transunion, and XXXX still reflect the tax lien as a judgement. Today I called Transunion Tuesday XXXX/XXXX/XXXX @ XXXX and spoke with XXXX XXXX who stated she was a supervisor. I explained the situation to her. I informed to XXXX I 've been disputing this judgement for a year. She stated she does n't show any info where the balance was paid in XXXX. I asked how Transunion verified the judgement as being accurate she responded we verified it. I asked if it was verified what documents were you provided. I told her based on FCRA regulations I also have to receive evidence, especially if this public record is hindering my credit worthiness. XXXX stated she does n't have to verify anything and she was a supervisor. I asked because she seen the paperwork I sent verifying the balance was paid, did she see the other documents I sent with it. I informed XXXX I sent a letter hand written explaining my issue and a letter from Dept. Of Treasury stating the balance was deducted from my income tax refund in XXXX. XXXX said the information was in my file. I asked if she could read my written statement to verify it was received and she refused to answer my question without giving me a explanation of why. She was rude, and condescending. I was very upset and asked for her manager she hesitated to give me a name and said she had several managers. I said since you have so many please give me just one of their names she reluctantly gave me the name XXXX XXXX. I was very confused as a consumer I have the right to ask a credit bureau what is in my file to confirm it was received. I taken photo copies of the documents I mailed to Transunion. I hope this issue wo n't be the same with XXXX. Thank you for your time I 'm hoping I can get some results.

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 2016-04-28
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I have had an XXXX XXXX Platinum card since 1981. Only yesterday I discovered that they discriminate against some of their platinum card holders by not offering them promotions that they offer other platinum card holders. Specifically, I did not receive an offer to purchase airline tickets with XXXX XXXX points at a XXXX % rate than normal that was offered to other platinum card holders. This is discriminatory

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have a credit card and and an unsecured loan with WF. My payments are {$500.00} plus on one and $ 200plus on the other. I have asked WF to consolidate these loans so that I can reduce my payments. My payments are on draft so I have never been late. WF underwriters keep telling me they can not do this. With consolidation I can have a lower payment each month and your loan is paid off. I am so sick of asking WF TO HELP ME, instead of their bottom dollar. There is no loss to you or me. It just helps me which I thought WF would try and help their customers. For so long I tried to get a refinance on my mortgage, which my local bank said was not authorized by your underwriters. I took a job in Florida and guess what they had no problem helping me out and refinanced my loan. I am being forced to seek help from the banking regulators just have a loan consolidation which is ridiculous. BEFORE I DO THIS ... .PLEASE HELP ME! I have my mortgage with you, I owe {$160.00} plus..but the market place in our country club says it s worth XXXX, but can not get an equity loan with you! PLEASE LOOK INTO THIS!

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 2015-08-31
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been trying to restructure my mortgage for years. Wells Fargo finally approved me with an offer of {$960.00} per month. I accepted their XXXX offer in XXXX 2015. They took their sweet time in sending documents to be signed for the loan modification. In doing so They added another payment to the over due balance. That in turn has jacked up my monthly payment to {$970.00} The greedy XXXX at Wells Fargo are trying to squeeze every dime they can from me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
This complain is against U.S. Bank Mortgage Home Mortgage, XXXX Minnesota office. 

I provided financial information to the Bank as requested, in order to start the processing of my mortgage loan application. The Bank then filled out the Uniform Residential Loan Application ( XXXX XXXX Form XXXX ) and returned the form to me for my signature. The Uniform Residential Loan Application as filled out by the Bank misstated significantly my financial condition. I was instructed, nonetheless, to sign it, even thought the line above the signature box stated : '' I/We fully understand that it is a Federal crime punishable by fine or imprisonment or both to knowingly make any false statements concerning any of the above facts [ my financial condition ]. ... '' While I questioned U.S. Bank, as instructed, I did sign the incomplete Uniform Residential Loan Application. However, I remained concerned with U.S. Bank 's actions. Therefore, I drafted a properly completed Uniform Residential Loan Application and provided it to the Bank. Thereafter, for reasons unexplained to me, the Bank purposefully burdened the application process with requests for documentation that were not timely in relationship to my expected closing and were unreasonable in number and in the nature of the information being sought. 
Several days before the closing when the Bank was still asking for documents and would not commit to fund the loan, I sought financing elsewhere. I believe the Bank purposefully burdened the entire process on account of my insistence that the Uniform Residential Mortgage Application be truthful. 
I feel that U.S. Bank 's actions in insisting that a mortgage applicant sign a document that is not correct and that might subject that person to prosecution for a crime to be wrong.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: Experian Information Solutions Inc.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
My credit report is showing me as having the same name or also known as my sister 's name. Her student loan debts from the XXXX company/owner which are in collections are all falling under my name, therefore giving me a bad credit report with experian. Now I can not get any decent credits or loans or even an apartment for that matters. They 're all turning me away due to this error on my report. Please help fix all this mistake on 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 non-monetary relief
Consumer complaint received 2016-10-04
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying, unsuccessfully, to get a loan modification for my mortgage with US Bank. Even though I meet some, if not all of the criteria to obtain such help, I was denied ANY and ALL help, even though they signed an agreement with the government to offer homeowner 's assistance to prevent foreclosure on their mortgages. I have done some research and there are thousands of people in my same situation with this bank. I think US Bank Home Mortgage should be investigated for their failure to provide homeowner assistance.

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 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was not satisfied with the result I got from my TransUnion report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for these items to be removed but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have these items removed or have anyone from TransUnion contact me about the status of my concern. Here are the items that I am trying to dispute : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2015-09-24
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
We purchased a home that was being built. We took a loan from US Bank for the full amount of the construction but the lien was placed against our commercial dental office building instead of the new home. When the construction was completed we paid off the bulk of the loan with proceeds from the home we sold and then took a mortgage out on the balance from another bank. The loan was paid off in full on XXXX XXXX, 2015. Since that time, we have been trying to get US Bank to release the lien on our property. They keep assuring us that the release documents have been sent to our county recorders office. To date, the recorders office has not received anything from US Bank. In fact, the recorders office states that US Bank has placed XXXX liens on the property, both for the full amount of the original loan, which was {$500000.00}. US Bank says that the recorders office gave them inaccurate information which resulted in the second lien, but the recorders office denies it. Regardless of that, it now appears as if we have liens totaling {$1000000.00} against our office building which is paid for in full. Our numerous efforts to resolve this issue with US Bank have been without results. We have contacted the mortgage department, which is in a different state, and been informed that the release department will take care of this matter and be in touch with us immediately, but nothing has been done, nor have they contacted us as promised. They refuse to let us talk to anyone in the release department, or any sort of supervisor, saying that they do not accept calls. We have contacted the local bank branch, the loan officer, our commercial banker, and our personal banker and none of them will respond except to say that they are " looking into it ''. Due to the problems that have arisen from this we have moved all of our banking, both business and personal to another bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
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. The following accounts : XXXX XXXX XXXX, Date opened XX/XX/XXXX XXXXXXXX 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 XXXX XXXX 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 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 2015-07-08
Company: Residential Credit Solutions, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was recently sold to Residential Credit Services ( RCS ). My current interest rate is 2 %, but RCS has been charging me 3 %. I am going on week XXXX of trying to get it changed, they have acknowledged the error, but it is still at 3 %. I am getting ready to sell my home and need this corrected and the incorrect amount that has been applied to interest needs to be applied to my principal balance. I also have never received any buyer/owner incentive that my HAMP modification indicated I would be receiving ( {$83.00} per month or {$1000.00} per year ). I am approaching my XXXX year into the modification and have never received any documentation indicating this incentive had been credited towards my principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
Nearly seven years ago I received a collection letter from speedy cash. I paid this loan in full and never received the credit. To this day it remains on my credit as a collection / default and provents me from leading a normal life when it comes to banking. After several civil requests for proof that the debt is still outstanding I was told that they are not required to provide proof and only want the debt paid again plus penalties before they consider removing. The amount I paid was the loan amount plus nearly XXXX percent interest and now they want another XXXX percent?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: U.S. BANCORP
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
I purchased a gift card on XXXX/XXXX/2015 in the amount of {$250.00}. I attempted to use the card in the evening on XXXX/XXXX/2015 and it was declined. I called the customer service number on XXXX/XXXX/2015 and a representative told me that the cashier must have activated the wrong gift card but that she could see the money. I was instructed to fax over some information ( front/back of card, activation receipt, name, phone number, email address, contact time preference ). I did this on XXXX/XXXX/2015. I called back on XXXX/XXXX/2015 to inquire on the status of the fax and was told that it would take 7-10 business days after the fax was received. I asked to escalate the issue and that group informed me that it was n't an activation issue. He said someone had tried to use the card twice in XXXX so when I purchased it in XXXX they decided to not activate it. So the company is holding onto my {$250.00} and giving me the runaround on how to get it back. I 've called them XXXX times ( with a hold time of no less than XXXX minutes ) and every time I receive a different set of instructions. I just called again and they said they were waiting on my fax. I stated that I had already faxed it in so they placed me on a brief hold. They then informed me that they had received my fax and were waiting on additional action from me. I would now need to fax in my address and that the voicemail left on XXXX/XXXX/2015 stated that. I replayed the voicemail to make sure I did n't miss anything. I have been unsuccessful at every attempt made. I feel this is fraudulent and misleading. If the company knows that an attempt has been made to use a gift card prior to it ever being sold, they should not be allowed to take the consumer 's money and have them scrambling trying to recover it. This company knowingly sold me a useless gift card with the knowledge that I would not be able to do anything with it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-28
Company: Experian Information Solutions Inc.
State: NY
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 paid/settled in full a charge off on XX/XX/2018. Waited 30 days and disputed balance still showing 2 times with Experian. They say they investigated it and its valid. They also re aged the balance showing current dates which made my score drop. I have proof from collection agency showing XXXX balance. I would like the XXXX XXXX account deleted from my account. I am trying to get a mortgage and this false derogatory is hurting me.

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 2015-07-31
Company: First Financial Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had a storage unit at XXXX canceled it then moved my belongings out and my mother moved all of her stuff in. I discussed this with the receptionist and was told that my mother was not able to take over the unit it was going to stay in my name i was very frustrated but there was nothing I could do and the receptionist would not do anything to assist me. My mother made all the payments for her unit until she became ill and was unable to pay for her belongs and she contacted the storage unit several times to discuss this. They sold off all her belongings when she was in the hospital and sent me a bill. My mother is on XXXX now and can not afford to pay this bill. This debt is not mine and does n't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: HireRight Solutions, Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I was terminated by XXXX XXXX XXXX on XX/XX/XXXX.for having a dirty truck.immediately after returning from their selected doctor 's office for the annual XXXX jn XXXX XXXX, which was a reminder of the year before in which I sat at the terminal for a XXXX after and a few other days in which I was initially told that I would n't be paid according to my dispatcher " XXXX '' at the time. However, XXXX XXXX later relented and put {$150.00} on my card. Unfortunately, the year XXXX did not end so well for XXXX. XX/XX/XXXX he decided to make some disrespectful comments to me by saying I was " acting like an XXXX '' in front of a witness XXXX XXXX my current dispatcher at that time. XXXX had earlier givrn me the letter head paper to write XXXX XXXX up on which he had refuse to sign and stating he had called XXXX XXXX about what he had done. XX/XX/XXXX came and the safety department of XXXX shut me me down due to the lack of eye wear. After arranging another person to drive a company vehicle I was escorted around town to the local XXXX to retain some eye wear. After sitting a few more days I was told to go with my dispatcher to XXXX XXXX to get another pear of glasses because the glasses from XXXX were taking to long and XXXX XXXX could get my XXXX within an hour. The following day I was again driven to the doctor 's office to complete the DOT physical. After a sucessful completion of the XXXX I was told to report to XXXX 's office at which time I was immediately terminated for having a dirty truck. I was told that they would empty out my property and was told standby and watch. Afterwards, I was driven to the airport to get a rental car with XXXX 's permission. I returned to the XXXX XXXX terminal to retrieve some of my items. XXXX days later I returned to get the rest of my property. I later went to work for XXXX XXXX, XXXX XXXX. and In XX/XX/XXXX I went to work at XXXX XXXX XXXX XXXX for XXXX weeks at which time adverse action took place. I was told by the Safety XXXX XXXX XXXX that I had lied on my application and I told him in front of the HR women that I did n't. XXXX proceeded to say that I had failed a XXXX or refused to test in XXXX and asked who told them that at that time the HR woman said XXXX and I asked if I could see it she said " No '' then I said I 'd taken a XXXX XXXX in XXXX and I then asked for a copy of threir report and I was denied. However, XXXX did give me copies of why I had been terminated by XXXX XXXX XXXX XXXX basically saying I had lied on my application which was n't true. When I returned to XXXX I contacted all parties. The majority insisting on adjudication on this matter.NECESSARY DOCUMENTS WILL BE FAXED UPON NOTICE Thanks XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
this is my second communication. I filed initial complaint last week. please see the record for case number. I have filed appeals paperwork with my lender for HAMP Denial. My servicer has not acknowledged receipt of the paperwork nor have contacted me. I have left several messages for my account manager and they have all been ignored. The decline letter I received was dated XXXX XXXX, 2016 in which I was given 30 days to file an appeal. That 30 days is over on XXXX XXXX, 2016. the time is approaching fast. although I have sent all the paperwork to them within the timeframe allowed, they have not started any process from their side. I am afraid that they will claim that they never received my paperwork for an appeal and, will close my case. I really need your help in resolving this. a copy of his appeal was also sent to you last week. Thank you

Company response to consumer: Closed with explanation