BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
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 credit rating went from XXXX to XXXX. Upon requesting a copy of my credit report, I discovered 7 accounts on my report that I did not open and was unaware of. Six ( 6 ) of which were opened within a 3-month period in XXXX between XXXX and XXXX An adult relative received promotional pre-approved offerings via email and postal, and in each instance the offer was personally addressed to them. The recipient applied for the offers based on an acceptance code in several instances, providing their personal info, not knowing or expecting any connection to my credit report or SS #. 

XX/XX/XXXX - My low interest rate credit card was cancelled due to my credit report. I requested copies of my credit report from credit reporting agencies and found 7 accounts that I did not open or request. 


XX/XX/XXXX - After receiving and reviewing my credit reports, I contacted XXXX  by phone to dispute accounts and explained what I believe transpired. 

XX/XX/XXXX - XXXX  completed dispute XXXX  XXXX was removed from my report {$1000.00} XXXX XXXX removed from my report -- they were also contacted directly by me prior to contacting XXXX  {$6800.00} XXXX/XXXX XXXX - they said they reported accurately {$1000.00} XXXX/XXXX  XXXX - they said they reported accurately {$540.00} XXXX/XXXX  XXXX  - Closed but referred to collections so I initiated new dispute against the collection agency XX/XX/XXXX {$800.00} XXXX XXXX  XXXX XXXX - Initiated another dispute XX/XX/XXXX {$510.00} XXXX/XXXX  XXXX  - This was previously closed for inactivity and no late payment activity, but not removed from my credit report. {$0.00} ( I also called XXXX XX/XX/XXXX but was not able to get it resolved and removed from my credit report since it technically isn't in my name, but the relative 's name! ) XX/XX/XXXX XXXX/XXXX  -- I contacted them to explain the discrepancy and to ask them to remove from my report, but although they have my Soc Sec # tied to the account, they won't talk to me because it's not in my name. They will not tell me ( or may not know ) how my name got tied to the account and who was the database source of the promotional offering that they solicited the relative with. 

XX/XX/XXXX - Attempted to remove the relative 's name, addresses and phone # 's from my credit report under " known as '' or " other addresses '' or " other phone # 's '' but apparently I can't do that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have paid down my mortgage below the requirement for PMI. Freedom Mortgage refuses to terminate my PMI unless I pay for an appraisal at my expense. Per the below they are to automatically terminate upon reaching 78 % of original value of the home so there would be no need for me to pay for an appraisal. My house has increased in value but that should not be relevant per the below. 

Automatic PMI termination Even if you do n't ask your lender to cancel PMI, your lender still must terminate PMI on the date when your principal balance is scheduled to reach 78 percent of the original value of your home. You also need to be current on your payments on the anticipated cancellation date. Otherwise, PMI will not be terminated until shortly after your payments are brought up to date. 

It 's worth noting a termination request is different than a cancellation request. Your lender must terminate PMI even if the principal balance of your loan has not actually reached 78 percent of the original value of your home - for example, because the value of your home declined.

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 2020-03-17
Company: TD BANK US HOLDING COMPANY
State: WA
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 credit rating went from XXXX to XXXX. Upon requesting a copy of my credit report, I discovered 7 accounts on my report that I did not open and was unaware of. Six ( 6 ) of which were opened within a 3-month period in XXXX between XXXX and XXXX An adult relative received promotional pre-approved offerings via email and postal, and in each instance the offer was personally addressed to them. The recipient applied for the offers based on an acceptance code in several instances, providing their personal info, not knowing or expecting any connection to my credit report or SS #. 

XX/XX/XXXX - My low interest rate credit card was cancelled due to my credit report. I requested copies of my credit report from credit reporting agencies and found 7 accounts that I did not open or request. 


XX/XX/XXXX - After receiving and reviewing my credit reports, I contacted Experian by phone to dispute accounts and explained what I believe transpired. 

XX/XX/XXXX - XXXX completed dispute XXXX  XXXX was removed from my report {$1000.00} XXXX  XXXX removed from my report -- they were also contacted directly by me prior to contacting XXXX  {$6800.00} XXXX/XXXX  XXXX - they said they reported accurately {$1000.00} XXXX/XXXX  XXXX - they said they reported accurately {$540.00} XXXX/XXXX  XXXX  - Closed but referred to collections so I initiated new dispute against the collection agency XX/XX/XXXX {$800.00} TD Bank US Target -  Initiated another dispute XX/XX/XXXX {$510.00} XXXX/XXXX  Retail - This was previously closed for inactivity and no late payment activity, but not removed from my credit report. {$0.00} ( I also called XXXX XX/XX/XXXX but was not able to get it resolved and removed from my credit report since it technically isn't in my name, but the relative 's name! ) XX/XX/XXXX XXXX/XXXX  -- I contacted them to explain the discrepancy and to ask them to remove from my report, but although they have my Soc Sec # tied to the account, they won't talk to me because it's not in my name. They will not tell me ( or may not know ) how my name got tied to the account and who was the database source of the promotional offering that they solicited the relative with. 

XX/XX/XXXX - Attempted to remove the relative 's name, addresses and phone # 's from my credit report under " known as '' or " other addresses '' or " other phone # 's '' but apparently I can't do that either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-17
Company: U.S. BANCORP
State: NH
Product: Prepaid card
Sub-product: General purpose card
Issue: Advertising, marketing or disclosures

Complaint:
I purchased this card and tried to use it online on XXXX to pay my account balance. I tried using the card but it kept getting declined. I called the number on the back of the card and was told that XXXX is a " blocked merchant. '' The customer service representative said US Bank maintains a secret list of blocked merchants at which they do n't allow their prepaid cards to be used. This is completely deceptive. The back of the card says it is accepted anywhere XXXX is accepted. It makes no mention of a " secret '' blocked merchant list. I believe this secret list is to make it harder for people to use the cards so US Bank can collect inactivity fees or hope people just do n't use the card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act The following Creditors have violated my rights : Absolute Resolutions Account no. XXXX XXXX XXXX Account no. XXXX XXXX XXXX XXXXXXXX Account no. XXXX XXXX XXXX XXXXt Account no. XXXX XXXX XXXX XXXX Account no. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account no. xxxxxxxxxx 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am unaware of the charges and did not authorize use I would like for these derogatory remarks removed from my credit report. 

{$1100.00} Open balance XXXX XXXX XXXXXXXX XXXX XXXX Original creditor {$520.00} Open balance XXXX XXXX XXXX Original creditor {$280.00} Open balance XXXX XXXX XXXXXXXX XXXX XXXX Original creditor {$130.00} Open balance XXXX XXXX XXXX Original creditor

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 2022-08-16
Company: Experian Information Solutions 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:
I have never authorized anyone to make enquiries on my behalf, nor have I done it myself. From XX/XX/XXXX, until XX/XX/XXXX, I sent letters with entire attachments of my personal data and credit reports. However, the requests I made were purposefully ignored and denied, which I thought was unprofessional on the part of the Bureaus. This will be my final effort to ask for all paperwork to be given to me and issued. If my request is not complied with, the following unauthorised inquiries should be immediately removed : XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX  Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX 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 2020-03-17
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On the XXXX day of XX/XX/2020, I received a notification on my credit score tracker that I was in debt with a company that Ive never heard of. Ive never received a letter, phone call, or any other method of this debt collector company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act The following Creditors have violated my rights : XXXX XXXX Account no. XXXX XXXX XXXX Account no. XXXX XXXX XXXX, XXXX Account no. XXXXXXXX XXXX XXXX XXXX  Account no. XXXX XXXX XXXX XXXX Account no. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account no. xxxxxxxxxx 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
To whom it may concern ; To make a long story short...

Just looking for a {$400.00} promotion credit that we have definitely qualified for.

To prove this - after hours of searching ; we found the original offer and fine print.

Wells Fargo stated we received a promotion years ago.

That is true.

However the fine print ( Paragraph 3 ) clearly states as long as we havent received in past 12 months.

Also we were told we could open online.

Plus with COVID many branches are closing much earlier than hours indicated.

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 2017-02-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XX/XX/2016 I contacted Toyota Financial to see if I could have my XX/XX/XXXX payment moved to the end of my contract. They disclosed that I had to pay all late fees which I did. They sent me a loan agreement that stated the payment for XX/XX/2016 had been moved to the end of the loan contract. On the same document that I signed, it disclosed that the next payment amount was @ {$280.00} but I paid {$300.00} on XX/XX/2016. Now they are saying that I owe more than the one payment that I am past due. Because of financial hardships caused by a house fire, I missed the XX/XX/2016 payment, however, I should only show past due for@XXXX but Toyota shows @ {$1300.00}. I believe that they are doing this as a scare tactic so that they may take my car from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX there was a credit inquiry made on my report by American Express XXXX. I did not authorize this inquiry, nor did I or any one that I know give permission for this inquiry. This inquiry is fraudulent and is being investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This bank ( Select Portfolio Services , Inc. ) says on its website that it offers assistance programs for distressed borrowers. We have applied twice in 2 years since our income is down 40 % from the time we began the loan. After spending 2 months providing detailed and copious amounts of financial documentation, the bank says that our type of loan does not qualify for any home retention loan modification based on what is written in the service agreement. So it really doesn't matter how much distress we are in or that we are in distress at all. The decision was not based on ANY of our financial data that we most dutifully submitted in a timely manner. The decision was based on a boilerplate clause deep within the service agreement. That should be illegal. 
The other issue, is that we are not allowed to contact the lender directly as SPS XXXX Inc. is only a servicer with little or no authority. Our loan was at some point chopped up and blended in with other loans to be sold in a tranche as part of a CDO security. This basically means there is no company lender to talk to. What is left over is a pool of investors in the security that is overseen by some banker or attorney that works for the bank that can't really make any decisions on one particular loan in the portfolio. There needs to be much more transparency and consumer protection for the borrower regarding these CDO placements. We feel we were set up from the beginning to be offered no help no matter what our circumstances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
To whom it may concern May I please request your guidance and help in a very serious matter. I have acted most appropriately in trying to rectify this grave matter to no avail. I seem to be caught between two companies ; XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, of whom neither will help correct my dire situation. My home mortgage was bought by XXXX XXXX XXXX in XXXX. I appropriately each month would telephone in my payment on time. Upon doing so last XX/XX/XXXX, I was recommended by an agent representing the company to set-up an ACH withdrawal with my personal banking institution ; XXXX XXXX XXXX XXXX. I personally went into the local branch where my account was opened and telephoned XXXX XXXX XXXX. This event took place on XX/XX/XXXX.at XXXX : XXXX. The bank teller representing the XXXX XXXX XXXX XXXX verbally argued with the telephone representative for XXXX XXXX XXXX, regarding the confirmation of the bank routing number. The XXXX XXXX XXXX XXXX teller demanded she was right and so the representative from XXXX XXXX XXXX acquiesced and the ACH withdrawal was set upon the information given by the banking institution. Come to the withdrawal, it was never attempted as a debit against the checking account. There clearly was no attempt to post. XXXX XXXX XXXX considered the account to be 30 days late. Upon doing so, the XXXX ACH was never attempted by XXXX, therefore reporting a 60-days late notice to all three credit reporting bureaus. I immediately went to the XXXX XXXX XXXX XXXX as well as started calling XXXX XXXX XXXX. Neither company would help me once so ever. To rectify the matter, I sent cashiers checks in the overnight mail to XXXX with letters requesting their help. I was denied. To date, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments to XXXX XXXX XXXX have been reported as late. Finally, there was a supervisor representing XXXX XXXX ( XXXX - XXXX ) that pulled the audio transmission between myself and the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX that clearly tells the trail of errors. The routing number was not correct, as the XXXX XXXX XXXX XXXX had demanded. Even though XXXX XXXX has solid proof on tape, that I am not at fault and that my payment has been made, they are not willing to correct my credit report to all three reporting agencies. Nor is the XXXX XXXX XXXX XXXX, willing to admit their inhouse error. Please I ask for your assistance in this matter. I am an elder, a law-abiding citizen and I should not have to bear this devastating consequence on my credit. It is humiliating to me and has ruined reputation. Most sincerely yours

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 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I had identity theft on my social security number, name, and my personal l information such as different addresses. Which compromised my credit report being hindered and myself taking a hit on my social and name. Which is defamation of my name and character.

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 2016-04-20
Company: U.S. BANCORP
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was XXXX of US Bank and when I left, in XXXX of last year, I received a letter advising me that if I took no action my account would be changed from a platinum account to XXXX with a lesser fee or no fee at all. Shortly after leaving i relocated to AZ and in the mess I forgot about my account. I received no communication written, or telephone until XXXX of this year, despite changing my address in XXXX when I moved. when I found out that my account had an approx XXXX dollars. I immediately went to the branch and explained the situation. After a few weeks of investigating by the local branch in Arizona we found out I left the bank with a balance of zero and in XXXX fees started to be assessed to my account. I was also informed that I would have to call the branch where the account was opened up as they would have to fix the problem. I was given the phone number and called the branch and spoke to a helpful person promised to call the back office and follow up with me that day. twenty minutes later I received a call back and I was told that the back office would not help me at all and I owed the full amount now over XXXX. I went to the local branch and paid the money but felt that I was treated bad, especially for being a XXXX and the fact that bank would not help me out even though i received no written letter or phone calls to be discracefull and then tell me I have to pay everything.

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 2015-11-13
Company: Residential Credit Solutions, Inc.
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Residential Credit Solutions in Texas has been trying to foreclose on our mortgage. They have dragged this case through court for 5+ years and have refused us a trial modification. They also refuse to speak to me or my husband regarding our loan or options. They drag it out and drag it out and then tell us that our loan is delinquent for an excessive amount of months which has been out of our control. They also have lost the original note. We have a court date tomorrow and are going to ask for more time to appeal their decision, but do n't know if the judge will allow us more time. 

Also this is a VA loan and the VA has never tried to help us or counsel us!

Company response to consumer: Closed with explanation