BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-25
Company: TradeStation Group, Inc.
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XX/XX/XXXX I opened an account on Tradestation account with an attached {$500.00} bonus for depositing {$10000.00}. I was a new customer who never had an account before. Upon transfer, I completed several transactions. I met all the requirements to receive the bonus and Tradestation is refusing to honor their promotion. I inquired as to why the bonus has not been awarded to my account, and first I was told that the promotion ended XX/XX/XXXX. I provided them screenshots of their website showing that the offer was still available on XX/XX/XXXX. Then they claimed that the transferred " new '' money had to stay in the account to receive the bonus, which is not one of the conditions of the promotion. I have attached a copy of the website showing the terms of the promotion, dated XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-23
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
They sent me a letter from a debt agency, I did n't know if it was true. I sent in two payments but afterwards, they told me I would not any get receipts for paying for it. So I sent them a verification letter they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14
Company: DISCOVER BANK
State: MD
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Discover Bank erroneously deleted me as the primary account holder on my savings and checking accounts and assigned my daughter who was a joint holder with me as the sole owner of these accounts. As a result, I lost access to my accounts. Discover Bank then started withholding federal backup interest even though the IRS did n't require that I be subject to such withholdings. When my daughter brought what had happened to Discover Bank 's attention, they readily admitted to their error, surprisingly also admitted that this had happened before to other customers, and promised to undo it as quickly as possible. However, soon after agreeing to fix their mistakes they stopped working on it and communicating with us. Please see the attached letter for a detailed discussion of what happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-25
Company: Mortgage Research Center, LLC
State: GA
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 noticed unauthorized inquiries on my credit report. Someone else applied in my name. 

According to the FCRA ( Fair Credit Reporting Act ), these unverified and unauthorized inquiries must 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 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Good afternoon. I'm writing to inquire if your organization could help me with an identity theft issue and an unscrupulous banking arrangement between XXXX ( XXXX, IL ) and XXXXXXXX XXXX XXXX  XXXX XXXX ( XXXX, OH ). Their service is one of three that allowed bad actors to attempt to borrow large sums of money against my credit profiles. While the other two " banks '' quickly handled the fraud issues and their respective hard pulls against my credit profiles, both XXXX and XXXXXXXX XXXX XXXX XXXX XXXX have refused to correct this matter. 

Thus far I've submitted complaints on the FTC and Ohio XXXX websites, but nothing has happened and frankly I'm not expecting much from these agencies. However, I want to protect my credit profiles and send a message to fradusters like these jokers. 

While I've already locked all three of my credit profiles, I'd like to know if I have any legal remedies available to me since XXXXXXXX XXXX XXXX  XXXX is based in Ohio and I'm an Ohio resident. Perhaps a cease and desist or demand for compensation for time spent working to rectify their debacle? 

In any event, please review the following thread and attached emails in PDF format regarding this matter and let me know if this is something your organization may be able to assist with resolving. Thank you in advance for your time and assistance... and I really hope that the CFPB can help 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 2015-06-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My complaint with Select Portfolio Servicing is that they constantly keep asking for documents that were already submitted for a loan modification. When it gets close to the sale date for the house they denied the modification because they said it was close to the sales date. 
Property address XXXX XXXX XXXX XXXX XXXX, Fl XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I AM XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX PH # XXXX XXXX HOME MORTGAGE WAS TRANSFERED TO CARRINGTON MORTGAGE SERVICES LLC IT IS BY FAR THE WORST ORGANIZATION IN YHE WORLD, DISHONEST, TERRIBLE, FALSE REPORTING REPORTING, OPPRESSIVE AND NOT TRUSTWORTHY. 
EVER SINCE CARRINGTOM MORTGAGE STARTINGING SERVICING MY MORTGAGE XXXX XXXX 2015 IT HAS BEEN A NIGHTMARE. THEY REFUSE TO SEND ME ACCURATE MONTHLY STATEMENTS, THEY FAIL TO POST PAYMENT ACCURATELY, LEAVE UNAPPLIED FUNDS THAT SHOULD APPLIED TO MY MORTGAGE PAYMENT AND FALSELY REPORT TO THE CREDIT BREAU. 
I NEED ACCURATE MONTHLY STATE IN ORDER TO MAKE ACCURATE TIMLEY MONTHLY PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25
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: Investigation took more than 30 days

Complaint:
Good morning, Last month i checked my credit report and noticed a few accounts that were unverifiable. I've submitted a 609 dispute letter to XXXX regarding the issue. It has now been more than 30 days and i have not gotten any feedback. I would like to proceed and have these accounts cleared as to they are negatively affecting my credit.

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 2015-05-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am a XXXX member. I received an alert that my credit score dropped XXXX points, because my utilization decreased on my XXXX XXXX account by 5 %, now historically when this happens my credit score rises by a point or XXXX. Immediately I called XXXX and Experian, of course XXXX did not accept any accountability in the matter and directed me to call Experian. I spoke with XXXX at Experian who stated it was a very complicated matter to explain and nothing further. I asked to speak with a supervisor, then placed on hold and told to leave a number and the supervisor would call back XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: CITIBANK, N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Citibank paid the sum of {$1700.00} ( transaction ID : XXXX ) to my bank account ( XXXX ) on XX/XX/2022. The fund couldn't be claimed by my bank within the specified time per the wire instructions, so it was reversed ( or so I was told by my bank ). I have been trying to get Citibank to re-initiate the transaction without success.

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 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2016-05-02
Company: Utah System of Higher Education
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have been a XXXX student since XXXX, enrolled at XXXX XXXX University. XXXX University has up-dated my enrollment status on the national database system every semester. As of XXXX 2016, Utah higher education Assistance Authority ( UHEAA ) has billed me, requesting payment on my student loans. As of date ( XXXX XXXX, 2016 ) UHEAA is showing me as XXXX months past due on my federal student loans, my credit score has went from a XXXX to a XXXX due to the negative reporting, and my Federal and State tax refund have been placed on hold due to this negative reporting. From the XXXX of XXXX I have been in contact with UHEAA in regards to this issue. Every month I am told I am past due on my loan, that I must make payment today, that it will be reported to the credit bureaus ... in the next breath they report that they see I am in school and that they will get this taken care of. Today I spoke with them and was told the same thing ... behind, in default, must pay ... This is an issue that still has yet to be resolved. My credit score and federal and state refunds have been impacted, along with the increase in stress. I am getting no resolution with this company and am in need of further 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 2017-02-03
Company: Resurgent Capital Services L.P.
State: SC
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
This company has been harassing me, violating the FDCPA laws and when called them out on it they became combative and very unprofessional. This company placed an credit account on my credit which I have no acknowledgement of. The last name on the account is XXXX which I 've told them before is n't my last name. I 've never been married I 've provided documents showing proof and still they wo n't remove off of my credit. My last name is XXXX and never been XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: ASSOCIATED BANC-CORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
XX/XX/XXXX charged a continuous fee of {$7.00} and a NSF Fee of {$36.00} XX/XX/XXXX charged a continuous fee of {$7.00} and a NSF Fee of {$36.00} My name is XXXX XXXX, Address is XXXX XXXX XXXX, XXXX, MN XXXX This is a new account, I was out of town due to a death in my family and did not realize my company had entered the last 2 numbers of my account wrong, therefore my DD 's did not hit and caused a overdraft. 

XXXX Sent an email to XXXX XXXX at the branch on XXXX XXXX and she said they would not waive the fees even though she was aware of the error. 

In a pandemic era, {$86.00} in bank fees is not reasonable. I will ensure I never have another one. Times and money are extremely tight and to me this is unethical and a money grab.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: FL
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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2015-10-06
Company: Vengroff Williams, Inc
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I have been contacted by XXXX XXXX and XXXX XXXX from Vengroff Williams. They are collecting a balance that is owed by my former business on behalf of XXXX XXXX XXXX XXXX. I had been making several payments ( even more than the minimum was XXXX but was unable to pay one month. I explained to them that I was trying to earn more money and would send them some as soon as I could. The phone calls were numerous ( often XXXX a day ) and always demanded that I call them back " this morning '' or " by the end of today ''. I explained that my only contact number was my cell phone and I could not use it at work so I often could not answer or " call them back this morning '' as they demanded. I even changed my cell phone message to remind callers that I was probably on a job and could not be reached. I asked XXXX to use email as a contact method instead. The calls continued. I finally stopped answering when she left a message that she was " mortified '' that I could not make a payment at that time. Now there is a lot in this world one can be embarrassed and humiliated about, but it is definitely not that the owner of a closed business is not able to pay all her former business ' bills. XXXX also told me that I had to " take the bull by the horns '', that she was meeting with legal counsel and that the account would be " pulled from Collection ''. I have saved XXXX phone messages that she left concerning the account. I felt very threatened and was very frustrated that she continued to contact me on my cell phone while I was at work and not allowed to speak on the phone by my bosses. Work is hard enough to find and I was afraid I would not be asked back to work if my phone kept beeping.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 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 2017-03-01
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My bank, First National Bank, did a security update on XXXX and XXXX. After the 30 minute long security details, I went through the long security process. When I tried to log on to my account I had no idea which of the many security numbers I should use. My account was disabled after I tried to use the different numbers. The message said to call the XXXX Customer Service number. It was busy all day on XXXX and XXXX I can not access my First National Bank account.

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 2022-05-25
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am requesting assistance with stopping the foreclosure sale on my property scheduled for XX/XX/2022. My husband died and it is a struggle for me to pay the mortgage. There is a buyer that wants to purchase my property. My real estate agent and I have contacted the mortgage company ( Freedom Mortgage ) and submitted ALL the documents they requested for a short sale. We were informed that there was enough time to review the short sale. 

On XX/XX/2022 my real estate agent did a follow up phone call with Freedom Mortgage. After submitting all the short sale documents, they are now saying there is not enough time to review the short sale due to the scheduled foreclosure sale of XX/XX/2022.

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 2022-05-25
Company: Informative Research
State: GA
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 noticed unauthorized inquiries on my credit report. Someone else applied in my name. 

According to the FCRA ( Fair Credit Reporting Act ), these unverified and unauthorized inquiries must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: TX
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 XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: Check City Partnership, LLC
State: NV
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
My employer received a so called summons on paper work that was not sealed in a private envelope to keep my personal information private from other employees, this was Thursday XXXX/XXXX/15, then my pay check dated XXXX/XXXX/15 was garnished, stating voluntary deduction on my stub, I was never advised of anything, never received any type of judgement or court order. the payday loan company was Check City.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation