BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have 8 inquires on XXXX that shouldnt be on my report, i have 3 inquires on transunion that shouldnt ne on my report, and 5 on XXXX  that shouldnt be on my credit bureae period,

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 2017-06-22
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Earlier this month, my payment was increased from {$42.00} to {$70.00}. I immediately called FedLoans to fix the problem. After a few minutes on the phone, I was told that the {$70.00} amount was wrong and that I would not be charged that amount. Which turned into my Direct Debt being suspended, which then turned into the right amount showing up on my account come the due date, but then was never processed. Even though there was no real indication that my direct debt was suspended. Long story short, my bill was due on the XXXX, and I happened to check my loan account today, the XXXX, and come to see that my payment was never processed. This website is awful to navigate, it never tells you all of the information and when I call in to complain or with a problem, I spend more time on hold than anything else. What really bothers me about this situation is that Fedloans has miscounted and lagged to update my loan forgiveness qualifying payments, and not this late payment is n't going to be a qualifying payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Credit Karma, LLC
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I am a long customer of credit karma and I keep getting told that I have been pre approved for a credit card but when I go to apply for the credit card that I have been pre-approved for I ultimately get denied and this is hurting my credit score and keeping me from buying a home or even repairing my credit score, I feel this is misleading and wrong and I have waisted a lot of time with credit karma and I would like to be compensated for my time I lost and my credit score being impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: CCS Financial Services, Inc.
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX, I had auto and rental coverage with XXXX through my employer which at the time was a state university in XXXX XXXX. After I left this position XXXX sent notices to my residence about the remaining balance for the coverage. I never received a breakdown of the costs of the coverage and the remaining balance. XXXX never offered an installment plan and my file was immediately sent to a company called Credit Collection Services in XXXX, XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This is my third complaint submitted I am requesting my original note and all documentation from  XXXX   XXXX   XXXX  and  XXXX   XXXX  because on my current modification the amount placed on the back end do not match my accounting records.   I sent in a writing request on  XXXX   XXXX , I called  10 times e ach time they say they can not find my paperwork. I then submitted complaints and the company on  XXXX   XXXX  sent me a copy of my current modification. That is not what my complaint is asking for I would like to review original documentation and current modification to show them that there calculation are off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
State: NE
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: Investigation took more than 30 days

Complaint:
Letters were sent on XX/XX/XXXX to dispute hard inquires on my account for : DEPT OF ED XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I have yet to receive a response back regarding the investigation. Tried calling on XX/XX/XXXX to check on the status of my dispute customer service rep not helpful and would not provide me with the credit files and sources to verify the inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My home equity line of credit with TIAA bank was recently handed over to XXXX for XXXX While still under TIAA, I was able to make payments online to both principal and interest any time I wanted. Now that XXXX has switched over to XXXX, I have only once been able to make a payment online. Every other time, I have had to call them, wait on hold for at least 20 minutes each time, and have often been given incorrect information about my ability to make a payment. 

Here 's the timeline : XX/XX/2021 - I received an email stating that my TIAA HELOC would be transferred to XXXX for XXXX XXXXXX/XX/2021 - received an email stating that I had a new loan number ( at this point i could still login and make payments on the old website ) XX/XX/2021 - I set up my new username and password on the new site and received an email stating that my registration was complete. However, I could not use the site to make a payment. I got an error stating that I had to call to make a payment. 

XX/XX/2021 - I got another email stating " Your mortgage servicing transfer is complete! '' - Still could not make a payment online XX/XX/2021 - I called to make a payment over the phone. Was transferred a bunch of times. Finally got to a person who said they could only take a {$10000.00} payment, which is what I did. She applied my interest-only payment of {$830.00} and the rest to the principal. 

XX/XX/2021 - I once again had to call to make a payment over the phone. They would only take a {$10000.00} payment. Even though I had just made a payment, they applied {$1000.00} to my interest-only payment and the rest to the principal. 

XX/XX/2021 - I tried to make a payment online. Got the same error message. I called and after 20 minutes of being on hold, the call was disconnected. I called back to make a payment and was transferred 3 more times. The reps are always friendly but it seems like anytime they get a call they don't like, they just transfer it back into the queue. I worked in a call center years ago so I know that's a thing they do. The 4th rep I got to was helpful and said that I could make a payment over {$10000.00} but he just needed to get supervisor approval, which he did. 

I'm not entirely sure my variable interest rate is being calculated properly but I haven't been able to work out the numbers just yet. 


XX/XX/2021 - I was finally able to make a payment online in the amount of {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Re : XXXX account XXXX Experian To Whom It May Concern : I would like to dispute the validity of XXXX account XXXX. I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? I also request a summary of you dispute process Thank you Sincerely,

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 2019-08-07
Company: WESTERN UNION COMPANY, THE
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
So I was trying to send my son XXXX $ and for some unknown reason. Western union refused the transaction. My wife had earlier sent a test transaction of XXXX $ and it went thru so she then tried to send him an additional XXXX $ and it was denied. She tried to send lesser amounts to no avail all transactions were denied. That is when I tried with my own account. Completely separate from hers and it was also denied. My son is a UNITED STATES XXXX XXXX VETERAN!!!!!!! I want to know why one XXXX $ test transaction was successfully sent but as soon as we tried to give him more money through different accounts and banks they were all denied. We are just trying to help our son and western union is denying our attempts with no reasonable explanation..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$2000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Sequium Asset Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sequium ( XXXX ) added an account to my credit that does not belong to me. I never received any notice, letter, or contact from this company and never heard of them until I checked XXXX XXXX. When I call Sequium ( XXXXl ) ( FOCUS RECEIVABLES MANAGEMENT ) no one answers and the voicemail is full. I have sent several emails that go unanswered. I have never had a XXXX XXXX XXXX account. This account does not belong to me. I sent Sequium ( XXXX  ) a letter to dispute XX/XX/2020, got no response. As of today, no reply has been received. Sequium ( XXXX ) first broke the law by failing to provide any notice before it was added to my credit. Sequium ( XXXX ) continued collection activity after I contacted them by verifying the item with all three major bureaus while ignoring my request for verification. This is wrong and illegal ; Sequium ( XXXX ) has no signed contract, no audio recording, no e-signature, nothing to verify this is mine because it is not my account. I do not even know the address where the service is located because no one responds. Also. I am a former XXXX XXXX XXXX employee, but I have never had the service. The phone number listed for the company does not work. The voicemail has been full for months. Per the last communication this was to be removed from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 made several attempts to correct my credit card reporting for XXXX XXXX XXXX that Transunion and XXXX  have reported incorrectly since XX/XX/2021. 

I have done several disputes with most recent XX/XX/2021 and provided my credit card statements reflecting my balance at that time at {$3500.00} versus {$7000.00} when I opened the account and they keep saying they have verified with XXXX XXXX  XXXX. 

My bank XXXX XXXX aged has said that they keep requesting only XX/XX/2021 data which was when the account was opened and not the latest balance as of XXXX dispute which is now {$3000.00}. 

Transunion has degraded my credit score over 30 points the last couple months related to this credit card only and at this point I believe its intentional and fraudulent by stating they verified the most current information.

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 2022-03-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX and at this time, I will also inform you that XXXX XXXX offices have reported invalidated information to all 3 of the major CRA 's ( Experian, XXXX or XXXX ). XXXX XXXX, whom you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The account is charge-off/collection account. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. XXXX XXXX and their inaccurate reporting have damaged my livelihood & caused me anxiety. I wrote to XXXX XXXX via certified mail on XX/XX/XXXX, requesting for a Validation and they IGORNED my Debt Validation Request. On XX/XX/XXXX at XXXX I wrote to XXXX XXXX XXXX XXXX Chairman and Chief Executive Officer & XXXX XXXX XXXX Vice President and CEO of XXXX XXXX XXXX and I got no response from them either. In my letter I stated they had 10 days to remove the unverified item and again I heard nothing. This is the 2nd time XXXX XXXX ignored my requests. In this complaint I attached a copy of the certified mail receipt along with my debt validation letter that XXXX XXXX ignored. Along with a copy of the email I send to the XXXX XXXX CFO 's that was also ignored. XXXX XXXX has violated my consumer rights, not once but twice! I want XXXX XXXX to stop violating my rights and remove the item from my consumer report. By law the CRA's/ creditors etc has 30 days to complete a 30day investigation, & XXXX XXXX failed to do so. The 30 day mark has come and gone over 4months ago! Therefore Experian Information Solutions Inc, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by law shall remove the item from my consumer report. There is a laundry list of damages caused upon me from XXXX XXXX & the CRA 's!. 
If any debt collectors, creditors are not able to provide the proper documentation as requested in a Declaration, all collection activity shall CEASE and Desist. 
Overall XXXX XXXX office fails to respond to the validation request within 30 days from the date of my receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.

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 2022-09-07
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XXXX of 2020, I entered a mortgage forbearance plan with U.S. Bank. I did this because I own a small business in the food industry and Covid-19 had caused many restaurants to close due to the restrictions. I was unsure what the future would be with my business and did this as a precaution. I contacted the bank and was told not to worry as it would not affect my credit ... this is incorrect, it is on my credit showing a past due amount. My current credit report shows it has now dropped 10 points! For months I received notices from U.S. bank stating I was behind on the mortgage and that they had attempted to contact me multiple times to discuss. The truth is, I have been in constant communication with U.S. bank, and was told to " ignore '' the letters, as they were automatically being sent. They stated that it would not affect my credit, not to worry and passed me off to other people in their phone maze. I decided to start paying my mortgage prior to the end of the 6 months they were allowing, because I was able to pay, and I was concerned about a paper trail from U.S. bank threatening foreclosure. I started paying in XXXX of 2020 and have made payments every month. My bank statements reflect the payments made, but US bank Home Mortgage does not. They refuse to apply payments. I spoke to the relationship manager who said that I needed to take it up with the credit bureaus. I feel they have been setting me up this whole time. This was supposed to protect bank customers, but it has caused me a tremendous amount of stress and anxiety.

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 2017-06-22
Company: MOHELA
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Dealing with MOHELA, the servicer of XXXX student loans. I have 2 student loans currently serviced by MOHELA. I signed up for auto-draft with the first loan. When my second loan began to be serviced by MOHELA the auto-draft did not update to include the second loan, nor is there an option online to include the second loan in the auto-draft. To make a payment, which is now late, I can only make individual payments at the loan level which is also confusing since my summary page shows only a snapshot of loan # 1 and thus makes it look like I have no overdue amount or payment due. I 've called the company multiple times and was informed that the only way I can sign up the second loan for auto-draft is to call the company and ask them to send me an additional form, which is not made available online. After calling and requesting this form 3 times I have yet to receive it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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