BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I am growing so frustrated with  XXXX  's not correcting wrong information under my credit card account on all of my credit reports. I used to have an account with  XXXX  and the number was #  XXXX . The account is missing many many months of information but in  XXXX  of    2013 it  is displaying a 30 day late and this is not correct and it is terribly damaging to my financial life. I have never been late with  XXXX   XXXX , and when I had problems processing a payment it was due to the associates errors and lack of communication from  XXXX  's with me. I have always made my payments on time and I already disputed this information nicely and asked that they fix the 30 day late displayed and I was told by a manager that that would be done but it had not in a long time so i filed a complaint on this database. This is actually my second complaint and I was so appalled to see that they had " verified '' the information and put false notes on my credit report claiming that their information was FCRA verified.   THIS IS NOT TRUE! How can they say something is FCRA accurate when they have not provided me with any proof or documentation as to how this late occured, especially after I brought it to their attention that the way and the timeframe as to how the associate handled my payment was confusing. This company is lying to people and refusing to follow the law and they simply do n't want to be wrong, that is how it seems to 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 2019-12-02
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I attempted to obtain my free credit report online at XXXX on XXXX. However, apparently I did not answer the identification questions correctly and was informed I had to submit a written request to XXXX XXXX XXXX  XXXX XXXX at XXXX XXXX XXXX XXXX GA XXXX. This concerned me b/c all of the questions online asked about credit cards or loans ; which I answered not applicable as I just turned XXXX years old on XXXX XXXX, XXXX and have never applied for credit- so I don't understand how I didn't answer the questions correctly. On XXXX I mailed The XXXX XXXX XXXX   Request Form with a cover letter, and selected Equifax as the agency I wanted my credit report from. WITH THE FORM AND COVERLETTER, I submitted a copy of : My WI driver 's license showing my current address, a copy of my passport, a copy of my social security card, and a copy of my CDL permit license to prove my identify and address. In response, Equifax sent me 3 letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requesting verification of my identify such as a driver 's license and social security card, EVEN THOUGH I SENT COPIES OF THESE ON XXXX WITH MY ORIGINAL REQUEST. I attempted to contact Equifax via telephone on XXXX, at XXXX however, the employee barely understood English and I could not understand her at all due to her inability to speak English. As such, on XX/XX/XXXX I AGAIN submitted ta copy of the original cover dated XXXX with an additional written statement that I had already submitted the identification documents with my original request and insisted to know why they keep asking for documentation that I have already sent. I also sent ANOTHER copy of my drivers license and social security card with the second letter. I am extremely frustrated at this point ; as they refuse to send me a copy of my credit report. I need my credit report to apply for a car lease and I want to verify that no one has stolen my identify and requested credit illegally on my behalf before I apply for the lease. Again, I have never applied for credit. If I have no credit report, then they should just notify me. If needed, I can fax or scan a copy of all correspondence sent to Equifax and received by Equifax at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-23
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I am growing so frustrated with  XXXX  's not correcting wrong information under my credit card account on all of my credit reports. I used to have an account with  XXXX  and the number was #  XXXX . The account is missing many many months of information but in  XXXX  of    2013 it is d isplaying a 30 day late and this is not correct and it is terribly damaging to my financial life. I have never been late with  XXXX   XXXX , and when I had problems processing a payment it was due to the associates errors and lack of communication from  XXXX  's with me. I have always made my payments on time and I already disputed this information nicely and asked that they fix the 30 day late displayed and I was told by a manager that that would be done but it had not in a long time so i filed a complaint on this database. This is actually my second complaint and I was so appalled to see that they had " verified '' the information and put false notes on my credit report claiming that their information was FCRA verified.   THIS IS NOT TRUE! How can they say something is FCRA accurate when they have not provided me with any proof or documentation as to how this late occured, especially after I brought it to their attention that the way and the timeframe as to how the associate handled my payment was confusing. This company is lying to people and refusing to follow the law and they simply do n't want to be wrong, that is how it seems to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Tan Oak Financial
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
With COVID, I found myself in a financial bind on XX/XX/XXXX, the only option for me was to take the loan ( {$400.00} ) at 600 % from Tan Oaks Lending. My paycheck was deposited in my account after XXXX  on XX/XX/XXXX. I called the company based in UT at XXXX XXXX  PST to pay this loan off. 

The representative was EXTREMELY rude, then proceeded to tell me that the payment would not be processed till tomorrow. Upon requesting to speak to her manager, she continued to be rude and made no effort to connect me to him. The Rude Rep Ms. XXXX aside, to not process payment the same day is EXTORTION and FINANCIAL XXXX! Most financial institutions have a sane day cutoff at XXXX XXXX  EST. Further more, I was not informed that they would hold the loan for an extra day to pillage, from the struggling! 

How can the FTC and CFPB allow this, it is no wonder the poor in America are getting poor, it because of financial XXXX  like Tan Oaks Lending. If Tan Oaks Lending, their executives and management are too incompetent to have a payment processed the same day before XXXX XXXX  EST, then shame on CFPB for allowing them to be in business, still shame in the CFPB where companies are allowed to charge 600 % and upwards on a loan, how is some ever to get out such a hole. You are the government, supposed to be for the people, by the people!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
BANK OF AMERICA has contacted me as well as a debt collector stating that account number XXXX was opened sometime 10-12 years ago and is my account. I have never banked with bank of America. I have never had a credit card with bank of america. I have requested validation of the account and information from them and a copy of the signed contract or statements and they have failed to send any of this back to me and i made this request with them on XX/XX/XXXX at XXXX. This is a fraudulent account and they are refusing to investigate the matter properly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed several accounts, several times with Transunion and they keep showing it as verified or remains. I have contacted the creditors directly several times for information regarding these alleged debts and they have been unable to provide me with anything to prove these are my debts or they completely ignore my requests entirely. 

XXXX 
XXXX 

I am requesting information on how Transunion conducted their investigation into my previous dispute ( s ).

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 2017-01-20
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I discovered that I have credit reporting of over due accounts with a company that I never took a student loan from. In addition, I am XXXX and taking out federal student loans and private loans for college. 

The company failed to contact me. The company filed to check out the national database to see that I am registered XXXX. 

I have tried to call them but there was no answer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Cornerstone Home Lending Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
During the COVID pandemic, I have tried on several occasions to get in touch with Cornerstone home lending in New Jersey. They do not answer there phone. Hours upon hours of waiting to speak to a customer service representative. Note : Even before COVID, they were impossible to get a hold of. I have spoken to a live chat, they have no answers to this problem. It is now XX/XX/XXXX, I have spent the last week messaging them trying to get help with my mortgage loan and they have not been helpful. It is ridiculous that you can not get a person on an email, messaging system, phone, or live chat to try and resolve this issue. Come to find out, it is a third party handling the call center, and now I have been transferred to someone else. This should not be this hard to speak to someone about my mortgage loan. Extremely frustrated. I have been trying since XX/XX/XXXX to get in touch with someone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Penny Mac is a servicer to XXXX XXXX 's customers. This will never happen. XXXX XXXX XXXX prepared my Home Modification, not PM. This PM business is to offer a quality service and this will never happen. This Home Mod was about XX/XX/XXXX or XX/XX/XXXX. Since PM became a servicer of my loan, which is to be forwarded to XXXX XXXX, XXXX has been my total nightmare. They are all snakes in the bushes, when they smile, they rattle. The criminal acts that have been against me has escalated out of control. Firstly, they found out about my age, threaten to foreclose, stolen my social security check, ( they transferred my money back with a fight and the name of that woman is XXXX ), racketeering, false pretenses, violations of laws, my civil rights, personal property, forgery, demanding I walk away, per XXXX XXXX and PM. Then, PM contacted the IRS, without my permission, on an enquiry, if I owed any taxes and of course, it was negative. Another evil act. Comes again a letter from last week, indicating that my XXXX anniversary is coming up and I will be receiving {$5000.00} off the balance of my loan and this was another oversight. Another lie. Today, in the mail, I receive a stupid document outlining that they are investigating my complaints and will be in contact in a month. I have received these same stupid documents and what follows is a, " Dear XXXX '', without prejudice, in other words. They are failures and always will be. There are so many lawsuits against them, it is sickening. This alleged business needs to be prosecuted to the fullest, license revoked and doors closed permanently. Their business practices and employees are the worst of the worst. Again, I want my {$5.00}, per month, times 24 months, which was for a certified return receipt that I had to pay to submit my payment every month, which is unlawful. I had been in contact with various businesses and this was unacceptable. Never an apology, sympathy, gratitude, respected, etc. I detest PM, who have destroyed my life. 
XX/XX/XXXX, I had requested the balance of my loan and it was around {$38000.00} and now it is about close to {$40000.00}. There is another fraud and more criminal offenses. 
I want CFPB to publish this all over the web. I want the viewers to read how bad they are and what acts that occur against the innocent. I want my justice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-23
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Today I received a email notification that my account was closed .... My account was negative for almost two months because wells fargo reversed a disputed charge .... I contacted them and explained the payment was paid by insurance company and was told that they would undue the charges again and to date I have received no notification of such changes ... ... They have also charged me fees that should n't be accessed on my account, I 'm tired of this bank stealing money from us ... .. they never sent me a letter stating the were denying the claim or reason as to why if the claim was denied .... very unprofessional of them .... with them the last 7 months ov er 10k has  been deposited into this account and ever over drafted or negative balance I have gotten in the past has been paid ... .. I had the opportunity account and was told that after year it would roll of to a regular checking and savings 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 monetary relief
Consumer complaint received 2020-03-31
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi this is XXXX XXXX XXXX .I have requested for my mortgage servicing company RUSHMORE ( Loan # XXXX ) for a deferment of mortgage payment for three month due to being layed off as a result of Corona Virus.I have tried several times to call them to no avial. 

their address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PH # XXXX Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 recently applied with a lender and they told me my XXXX XXXX was XXXX instead of what shows on my credit report. Which was in itself embarrassing and a hinderance. Upon looking at my XXXX report I noticed that there are several fraudulent inquires and accounts on my credit report. Also it shows accounts that were resolved and removed as still posting deragatory on my account as well.. XXXX XXXX and Transunion has a duty to report Accurate information and to investigate and screen information before allowing it to post to my file as well as audit my file to update any necessary information : The following accounts./ inquires are Fraudulent and need to immediately be removed : XXXX : XXXX FRAUD / REMOVE XXXX/ XXXX FRAUD/ REMOVE XXXX XXXX FRAUD / REMOVE XXXX XXXXXXXX THIS ACCOUNT HAS BEEN UPDATED BY COURTS AND NEEDS TO IMMEDIATELY BE REMOVED!! 
XXXX XXXX XXXX FRAUD / REMOVE XXXX XXXX  XXXX / FRAUD / REMOVE XXXX : XXXX XXXX  XXXX / XXXX FRAUD / REMOVE XXXX XXXX XXXX / FRAUD / REMOVE XXXX XXXX XXXX XXXX XXXX XX/XX/2021 / FRAUD / REMOVE XXXX XXXX XXXX / XXXX FRAUD XXXX XXXX XXXX XXXX / XX/XX/2021 / FRAUD / REMOVE XXXX XXXX XXXXXXXX / PLEASE UPDATE ACCOUNT AND REMOVE FROM MY FILE / REMOVE! 


TRANSUNION XXXX / XX/XX/2021 / FRAUD / REMOVE XXXX  XXXX FRAUD / REMOVE XXXX XXXX XXXX XX/XX/2021 / REMOVE

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 2015-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I always paid XXXX No idea where this bill is from. Please remove from my credit report is damaging my rating incorrect report. THANK YOU

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been trying to get a IDR and loan forgiveness for a year now. Each time it is denied need this paper that paper, to which they already have it is never ending. 

I cant keep doing this with phone calls and paperwork. Its exhausting to say the least I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I JUST LEARNED USAA DID NOT NOTIFY ME A CARD END XXXX I REPORTED FRAUD XX/XX/XXXX {$470.00} NEVER EXSISTED ( **FOR TWO YEARS USAA TAUNTED ME TRYING TO RESOLVE** )?? HOW DID I REPORT THE FRAUD? see lette XX/XX/XXXX XX/XX/XXXX FRAUD CLAIM DATE {$470.00} USAA DID NOT INVESTIGATE FRAUD I REPORTED. The investigation did not Complete until XX/XX/XXXX with UNAUTHORIZED TRANSACTIONS CONFIRMED XX/XX/XXXX USAA Collections Rep XXXX ID # XXXX CONFIRMED CREDITCARD END XXXX NEVER EXSISTED.??? BUT I AM DELINQUENT AND USAA CLOSED CURRENT ACCOUNT REPORTING DELINQUENT. I was denied credit due to this with XXXX  XXXX ( documentation upon request ) AND XXXX NEVER EXSISTED?? THIS IS MY BALANCE THAT USAA CLAIMS IS DELINQUENT ON ANOTHER ACCOUNT THEY OPENED. CARD XXXX. DISAPPEARED WITH MY CREDITS.?? see attatched Transactions of fraud XX/XX/XXXX THE BALANCE {$470.00} LEFT AFTER MERCHANTS CREDITED. WAS WHAT I REPORTED CLEARLY ON CARD XXXX see attatched Transactions XX/XX/XXXX XX/XX/XXXX transactions ARE USSAs DISPUTES USAA REPORTED WHEN USAA DISMISSED MY FRAUD I REPORTED USAA TURNED INTO DISPUTES see Adjustment Purchases temp credits to begin investigation of these transactions XX/XX/XXXX. AND NEW PURCHASES XXXX OF THESE UNAUTHORIZED TRANSACTIONS* NOT IN MY FAVOR Adding additional {$470.00} see USAA response CFPB XX/XX/XXXX XXXX Mrs XXXX CONFIRMS USAA REVIEWED AND HELD ME LIABLE. Per USAA rep XXXX He sees credits need be made permanet BUT HE CAN DO NOTHING BECAUSE THIS WAS CLOSED CHARGED OFF AS DELINQUENT?? USAA Rep ID XXXX XXXX Collections Collects on ID THEFT?? AND INFORMS ME THIS ACCOUNT NEVER EXSISTED BUT I AM IN COLLECTIONS TO PAY CARD END 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 2022-09-08
Company: LEXISNEXIS
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The catalytic converter of my XXXX XXXX XXXX was stolen on XX/XX/XXXX. I filed an approved police report on the same day and also filed a claim with my car insurance company XXXX. Since I had comprehensive coverage my insurance company paid for the repair minus my {$1000.00} deductible. I wanted to renew my car insurance policy on XX/XX/XXXX with the same company XXXX. However they let me know that my monthly rates would be {$100.00} higher because I was involved in at fault accident on XX/XX/XXXX. They told me the company that gave them this information is Lexis Nexis. They said I would have to dispute this record before I can get back my favorable monthly rate. Lexis Nexiss phone number and website doesnt give you an option to dispute your record.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I just gotten a investigation completed as of XXXX XXXX from trans union, I have noticed reinserted a previous deleted account from XXXX and also notice several other negative during any accounts, especially the XXXX first premier accounts, who always report negative information or incorrect and wok with the bureaus in the disputes by basically automatically verifying information with out really during any true reporting, So again I these accounts do not belong there and is not my duty to provide things to them but for them to verify there inaccuracies, and sometimes consumers dont keep records that old or have other documents to send to them if the accounts were never reporting right at all.Also as the previous dispute, the report contains a outrageous amount of inquiries that I have no way to dispute as I should by law. I ask that investigate this entire list of inquiries, cause there is at least XXXX to XXXX fraudulent or unauthorized use of my report being sold or view by companies that dont have record of the inquiries, or Transunion is selling or providing them reports in error or directly to make money.

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