BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below the account that are reporting on my Credit Reports : Account ; XXXX XXXX XXXX XXXX Opened XX/XX/2018 Balance {$19000.00}.

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 2021-03-23
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY fcra violations not mine all listed on all : XXXXXX/XX/XXXXXXXX potentially negative icon Potentially Negative StatusAccount charged off. {$16000.00} written off. 
Account TypeCredit card Balance {$16000.00} Date OpenedXX/XX/XXXXDispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$810.00} written off. {$810.00} past due as of XX/XX/2021. 
Account TypeCredit card Balance {$810.00} Date XXXX Dispute XX/XX/XXXXXXXX potentially negative icon Potentially Negative StatusAccount charged off. {$3600.00} written off. {$3600.00} past due as of

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
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 Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible I the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This grounds for removal they also violated my rights under 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 : is also states a consumer reporting agency can not furnish an account without my written instructions Negative Accounts XXXX XXXX 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  TransUnion XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Account XXXX XXXXXXXX XXXX XXXX  in accordance with the Fair Credit Reporting act 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 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 2022-04-23
Company: EQUIFAX, INC.
State: TX
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below the account that are reporting on my Credit Reports : Account ; XXXX XXXX XXXX XXXX Opened XX/XX/2018 Balance {$19000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
We have been trying to reach SPS Servicing for a HAMP modification but have not been successful reaching them or getting them to send us the paperwork.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: HANCOCK WHITNEY BANK
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I believe I am a victim on predatory lending. My loan was transferred to Harrison Finance XXXX and I believe my interest rate and amount increased beyond what my original lender promised me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
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 XXXX XXXX XXXX account # XXXX, XXXX XXXXXXXX XXXX  account # XXXX, XXXX XXXXXXXX XXXX XXXX account # XXXX, has violated my right. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section A 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 2015-07-21
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX XXXX my mortgage was permanently modified with Servicing Company XXXX XXXX. My mortgage payment has been {$900.00} since XX/XX/XXXX. I have been on time with all payments since that time. The loan was sold to XXXX and then NATIONSTAR in XXXX XXXX. My payments jumped to {$1000.00}. When I inquired they told me because of my escrow for insurance and taxes. I made immediate inquiry with XXXX County Tax Assessors office. They admitted to overcharging me by rating my house as a XXXX residence NOT my primary residence. I'v e never had a XXXX residence. They issued a refund check for XX/XX/XXXX to XXXX ( the wrong servicing company ) which I am trying to get corrected. Then I called my insurance company, they doubled my premium to {$1400.00}. so I canceled my policy and got a new XXXX for {$810.00}. Nationstar paid the {$810.00}, and I reimbursed them immediately so I could get my payment down. I acted quickly and got both my taxes and insurance corrected, that was 60 days ago, yet the taxes linger as an unresolved issue, nobody seems to know where the tax refund check went. The amount of that check was for {$330.00} and change. WHAT I 'M UPSET ABOUT IS THE AMOUNT OF MONEY NATIONSATAR IS ASKING FROM ME OVER AND ABOVE FROM THE EXPECTED ESCROW EXPENSES : {$550.00}! I DID THE MATH AND THIS EXCEEDS THE 12 % ALLOWED UNDER section 10 of RESPA. I do n't believe I 'm being treated fairly and want to pay my own taxes and insurance thereby foregoing the need to send NATIONSTAR {$550.00} to sit in my account year after year. I want to change the terms of the ESCROW. And to be honest, I have budgeted {$900.00} a month not {$1000.00} @ month, and my daughter is getting married in 3 weeks and money is flying out of bank account for the wedding, and Nationstar is dragging their feet and still does n't have an adjusted mortgage payment for me. So far I qualify for " Pay for Success Program '' under HAMP principle reduction credits. Can anyone there please help me strip off my ESCROW, I can do a better job paying my own insurance and taxes! The Escrow statements are a nightmare!!!! Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, AZ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hi! We Bought our first home XX/XX/XXXX, and finally were leaving our lives with our XXXX kids in an peaceful environment where the kids were happy in school and new friends. we came from XXXX, NJ ( approximately XXXX population ) dangerous neighborhood where my kids bike were stolen from other kids twice. Long story short, 2 years ago we moved to XXXX, NJ, country town with only XXXX population. we are very happy here. XX/XX/XXXX we received a letter from out mortgage company, quicken loans saying that we had a shortage on the escrow of {$8000.00}. The weird part is that the last escrow analyzes last year resulted in a refund check to us of {$490.00} and I could not understand how they had gone for a year and a half in collecting the improper amount of taxes. Now they want us to pay everything they missed to collect all this time. I do n't mind paying but the way they want us to pay will affect us financially as it is already happening. Like I said before the fist option is to pay in full {$8000.00} and our mortgage payment would go from XXXX to {$2000.00} a month. we do n't have that kind of money, so this option is not good for us. second option was to pay over 12 months a mortgage of {$2600.00}. Its XXXX more then what we used to pay for our mortgage. This option also does not work for us. Mu husband works for XXXX. His weekly salary after all the discounts is {$XXXX}. After we received this horrible news from quicken loas I started looking for a part time job to help my husband but i still have n't found one that does n't affect my kids schedule. I understood that the taxes goes up but from {$6900.00} to {$7800.00} XX/XX/XXXX. But that would not be anywhere near the amount of the increase if they had been remitted the proper amount from the beginning of the loan. Where all these money they are changing us come from? Interest from their mistake and now we have to pay? Nad that do n't want to work things up with us and if we stay behind one month our credit is going poor now. Im straggling to make the payment on time and I do n't know what else to do. we are very happy here and never staid behind a payment until this nightmare started 3 months ago and I 've been trying to work things out with them and had no lock. you 're my only hope. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-26
Company: Seterus, Inc.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan servicer was changed by a federal government directive. My loan was moved from XXXX to Seterus. I was told by XXXX that the terms of my loan would not change and I would not incur any expenses. Seterus wants me to pay {$470.00} for Title and miscellaneous costs. I did not request a change in servicers. It was forced upon me. Seterus is going to make {$10.00} of XXXX of dollars on the life of my loan. I will file a complaint with Seterus to waive the fees. I am sure thousands of people are experiencing the same issues with the forced change in mortgage servicers. I think it is underhanded to charge consumers fees on servicer change that was not within my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: BB&T CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My vehicle was totaled by my insurance company due to extensive hail damaged. When I contacted my lender, Regional Acceptance Corp, I was told that the GAP policy would cover the remaining balance after my insurance company paid a settlement to the lender. The GAP did not cover the full balance because, as I was told, it did n't compensate for extension processed on the account. I did not receive any disclosures indicating such, and this could 've altered my decision to accept an extension on monthly payments that I fell behind on. Therefore, I 'm requesting that the deficiency balance be waived by the lender, and all negative credit impacts be removed from my credit report to reflect that the loan is paid in full. I feel taken advantage of because of this and the outrageous interest rate given to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX years I 've been in my house, always paid mortgage on time. Few yrs back got caught up in the remortgage scam and now I 'm under water ca n't get help anywhere. Back in XX/XX/XXXX I applied for a loan modification, the one currently in place was expiring in XX/XX/XXXX. It is now XX/XX/XXXX and they have been stringing me along all this time so that my mortgage payment can go back up to the higher amount. I have done everything they 've asked of me several times just for them to come back 3 weeks later and tell me they need some thing else. The something else is always the same thing I have been sending since XX/XX/XXXX. I have a XXXX % rate, a single person working XXXX jobs to try and stay in my home and they are giving me the business. The company that started this was XXXX financial co. They sold my mortgage to a new company called sps Select Portfolio Sevicing, inc. They bite the big one. I have sent them so much that whenever b I call it takes them forever to go threw it for them to tell me they have everything b they need. Then 2 to 3 b weeks later they send me a letter telling me they need something else. This has been going on since XX/XX/XXXX. Now the higher amount is in play, I refuse to pay 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 2017-08-15
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XX/XX/XXXX I had a XXXX was in hospital 45 days. Got out end of XX/XX/XXXX. XX/XX/XXXX had another XXXX. Was unable to XXXX XXXX etc. Got homer XX/XX/XXXX. Got letter from navy federal credit union saying they closed my credit card acct cuz I had n't made payment. So I called them. I have the person who I talked to. But anyways she says well you should have called us and let us know. Are you kidding me. I could n't XXXX etc. So they closed my acct. XXXX I was planning on making a payment when I got paid and I wanted to keep my credit card open. They would n't work with me. I told them I would be happy to send of XXXX worth if hospital paperwork for proof. No they just closed my acct. Why ca n't they work with ppl. I have been with nfcu for years and this is how they treat their customers. Awful

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: ENOVA INTERNATIONAL, INC.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I have a XXXX credit line. There taking XXXX every 2 weeks. It's averaging around XXXX a month. The problem is instead of the debt reducing it continues to rise everytime I make a payment. At the rate they are charging in interest I'll never be able to pay it off. I was unaware that there charging me like it's a pawn loan or something. I think I've been scammed. I went into my account and tried to find the actual loan contract but it was nowhere to be found.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX, CA XXXX and XXXX XXXX BANK XXXX Balance : {$11000.00}.

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 2022-08-17
Company: CITIBANK, N.A.
State: FL
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:
There is a hard inquiry on my report that there doesn't seem to be a record of with the consumer. I reached out to Best Buy credit card dept and CitiBank and neither have record of my SSN ever being in their system however, XXXX is reporting as though it has. XXXX can't remove it without paperwork from Citibank Best Buy and Citibank Best Buy tell me they can't provide anything because I am nonexistent in their system.

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 2017-03-14
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
THIS COMPANY IS STATING THAT I HAVE A BALANCE IN WHICH I RECIEVED A LETTER FROM XXXX STATING THAT MY BALANCE HAS BEEN PAID AND XXXX HAS RECIVNED MY BLANACE OWED THAT WAS NOT EVEN THAT {$100.00} BALANCE THAT THIS COMPANY STATED. I CALLED XXXX AND THEY STATE THAT THIS WAS NOT MY BALANCE {$100.00} THAT WAS OWED.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid on XX/XX/2015. Company posted debt as paid in their internal system. They refuse to remove the account or the past due debt from any of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-23
Company: EQUIFAX, INC.
State: TX
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:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX  ) XXXX Balance {$1400.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX {$800.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$3700.00} XXXX XXXX XXXX ( Original creditor : XXXX  XXXX XXXX ) XXXX Balance {$980.00} XXXX XXXX XXXX ( Original creditor : XXXX  XXXX XXXX ) XXXX Balance {$980.00} Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX Balance {$3700.00} XXXX XXXX XXXX Balance {$800.00} XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX Balance {$800.00} XXXX XXXX XXXX Balance {$3700.00}

Company response to consumer: Closed with explanation