BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Transunion has numerous inaccuracies on my report with credit card amounts related to totally unfamiliar with account numbers 2 with XXXX XXXX!! 
They have as well addresses never I resided at.only my adult son..What triggered my look at this was it is outrageous to see a score drop nearly XXXX points in a 2 month time for no good reason. How does a score go from XXXX to XXXX with ZERO late payments all paid in full NO new cards opened NO inquiries recently NO out of ratio spending based on debt to allowable spending?? 

I am not clear on what caused this but monthly payments that are not accurate must contribute .NEVER have I been late on any bill and typically pay them early ALWAYS in full If the credit agencies are treating me like this what are they doing to less fortunate who really may have 1 late payment? Is real their mission to ruin people 's credit to jack up any loan rates for lenders? I wish the CFPB would hold them all ( XXXX  too who had duplicate files on my son and it took Months to get sorted if in fact it is ) accountable!. I have no exceeded what the allotted spending to available spending ratio is yet Transunion dropped me XXXX points in1 day for a large transaction FULLY paid off before due date!! They seem to operate with no consequences ever for inaccuracies. 

Phone number goes to XXXX where a guy tries to sell me {$9.00} credit report file so I can see how Transunion messed me up He also tells me paying off my credit account in FULL may droop score FURTHER because they usea goofty algorithim from XXXX Score XXXX! This is totally nuts ...!! Never mind that I don't want outsourced labor LOOKING into my PHI info! MOST fraud comes form overseas no way to enforce anything

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 2016-06-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I was left a voicemail by this company stating there is a " pending civil judgment lawsuit '' being filed against me. This voicemail was left for me on XXXX XXXX, XXXX. I called this company to see what it was about. The representative there claimed I owed on a debt to HSBC. He said the last payment was made in XX/XX/XXXX. He said if I did n't pay, I would be sued in XXXX County Court. He said the balance owed was {$2500.00}. He offered a settlement for half of the balance. 

I believe this company is a scam. To my knowledge, it is illegal to threaten a lawsuit if they have no intention of carrying it out. It is also illegal for them to threaten lawsuits on a voicemail. In addition to this, the Statute of Limitations is 6 years. If they are saying my last payment was made was in XX/XX/XXXX, the debt is at least 7 years old and is time-barred. I never received anything in the mail from this company prior to these phone calls, and I am unsure if this is even a valid debt, or if this company is authorized to do these collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: Big Picture Loans, LLC
State: VA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Took a XXXX dollar loan. Was told there would be a XXXX service fee, but every 2 week they take out XXXX dollars and now they say my next payment will be XXXX for this XXXX loan I will have to pay XXXX to pay it off I would have never knowingly agreed to this the loan was through big picture loans. They told me the terms, had me sign then showed me my payments. I 'm trying to pay but I know I ca n't keep up

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: RoundPoint Mortgage Servicing LLC
State: SC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We received an escrow analysis showing our payment was going up significantly. The taxes were wrong. Our local tax office updated everything to show a considerably less estimate of taxes due and we faxed to Roundpoint per their request five weeks ago. We were told it would take XXXX10 business days to receive an updated analysis and have our payments on track. It has been three weeks since this update would have been " due ''. We have spent countless afternoons on the phone with Roundpoint 's customer service trying to figure out what is going on and every time we are transferred to a new person or they keep us on hold for a very long time forcing us to give up. This last call the customer service rep laughed at me because I told her I 'm tired of waisting so much of my life on this and they told us it would be completed three weeks ago. We are a family of XXXX and can not afford the payment they calculated that is WRONG.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
There are two accounts listed seperatly from Capital one on my credit report, but they have the same account #. I have no knowledge of opening a 2nd account with Capital One in XX/XX/XXXX as one account states. Further, I did have a secured card with Capital One which was opened in XXXX or XXXX. Unfortunately due to financial difficulties I was unable to pay my bill. I contacted Capitol One in late XXXX or early XXXX and asked they close the account due to financial burdon, so late fees and interest would stop accruing. Because it is a secured card, they are able to keep my initial deposit and pay off the balance. 
Instead, it seems they kept the account open and allowed late fees and interest to accrue even during the COVID 19 Pandemic when no one was working. This is a travesty and I did my due diligence to inform them of my situation and they still let charges build up even during coronavirus. Additionally they are listing two accounts on my credit report and I never had two accounts. When asked for verification they provide no proof only " account has been verified '' I do not claim ownership of a 2nd account and want both removed from my credit report as the {$250.00} secured card should have been settled and closed as per my request

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
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:
The CRAs XXXX, Transunion, XXXX. Are all reporting the XXXX XXXX account inaccurately. I have made several attempts to adress this issue. Attached, find original creditors own payment history. The balance on XX/XX/2022 is 0. The account has to be removed as it is reporting inaccurate information on all three bureaus please remove account based on the 0 balance reported by the furnisher. After doing so please forward me a copy of the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14
Company: Union Home Mortgage Corp
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX. I have a mortgage with Union Mortgage and my taxes went up 3x. We are struggling to make the payments. I have asked the mortgage company to spread the shortage more than 2 years. Right now it is still almost XXXX more a month than what we were paying. I need help!!!! I know mortgage companies can spread the shortgages longer than 2 years. Its just their preference to do it for 2 not to hold it on their books. XXXX does not have a 2 year limit. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: ERC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have been harassing us for a month. They only let it ring 2 times then hang up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-08
Company: FIRST NATIONAL BANK OF OMAHA
State: IL
Product: Credit card
Issue: Bankruptcy

Complaint:
I filed for chapter XXXX bankruptcy and was confirmed in XXXX 2013 and first national bank of omaha was XXXX my creditors. they are reporting late payments and overdue balance in violation of the agreement. i believe this is in violation of the fair credit reporting act and an aggressive attempt to get me to pay a debt that is under bankruptcy protection. i have tried and failed to get any resolution from them and this is destroying my efforts to rebuild my credit and preventing me from doing an fha streamline on my home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I had a Short Sale which closed XXXX/XXXX/2011. There was as XXXX & XXXX mortgage. I paid the XXXX mortgage ( HELOC ) Charter one bank the whole time and never missed a payment. They agreed to settle the debt. They are reporting on my credit that it was delinquent and a Charge off. It should be reporting as Paid as agreed, never late and debt settled*** Not delinquent payments and a Charged off balance still reporting. I even have an email from them promising this would settle the debt to a XXXX balance.This is damaging my credit and causing me financial harm. I am trying to refinancing and can Not because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A few months ago, I noticed that Enhance Recovery had added a XXXX debt to my credit report. I called them and told them it was not mine, aftera few days they removed it. They told me it was a mistake. I then called XXXX and told them that I never had their service they then told me that I needed to file a Police Report. I told them that I was very busy working that I would not have time to file a police report but if I did I would. This morning, the same item showed up again on my credit report. They did not send me any notices it just showed up again. At this point I do not know what to do with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-05
Company: Marlette Funding, LLC
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I received a loan offer from Best Egg ... I was only interested due to the No origination fee offer ... I completed the application process and then noticed the disclosure of a XXXX charge for a origination fee..I called the XXXX service center in XXXX XXXX and was told..sorry we cant help you ... I then spoke to the supervisor on duty who offered no explanation. I feel that this is very deceptive.practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: U.S. BANCORP
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
1. ) I scheduled an appointment on XX/XX/2020 to open a checking account with USBank. 
2. ) Appointment was set up for XX/XX/2020 via phone call. USBank sent email an a text confirmation stating a bank rep would call me. 
3. )XX/XX/2020 no phone call was received at time of scheduled appointment. I called USBank and spoke to a rep. She was not sure why I didn't receive a call but said she could set up the account with me at that time. 
4. ) I provided all my information along with a {$25.00} EFT deposit from my other bank account to open the USBank account. The rep said I should have an email by Tuesday  with an account number and bank information. 
5. )XX/XX/2020 Never received an email. 
6. ) On XX/XX/2020 I called the 800 number and they still could not find the account. The gentleman said that they are extremely busy and I should hear something in the next few days. 
7. ) On XX/XX/2020 I received a post card in the mail stating an account has been opened with USBank. 
8. ) On XX/XX/2020 I called the 800 number and asked for an account number so I could set up online banking. The rep could not find an account and said that it was still in the approval process. She said I should be contacted by Monday XX/XX/XXXX. 
9. ) It is XX/XX/XXXX and I still have not been contacted or emailed that my account is open.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Experian Information Solutions Inc.
State: OH
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:
This account is reporting as a Charge-Off with a Balance, and no Last Date of Activity, which is a violation please delete. 

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 explanation
Consumer complaint received 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 disputed information on Transunion, XXXX  and XXXX for accounts that do not belong to me. I sent multiple dispute letters. The 1st letter was mailed on XX/XX/2020, 0n XX/XX/2020 I received the results claiming to have verified the items I disputed. On XX/XX/2020 I disputed the items again, on XX/XX/2020 I received letters once again claiming to have verified. The accounts and items are not mines.

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 2022-02-22
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We were offered a home forbearance during Covid and was told it would be added to the end of our mortgage which would be extended in years. Our mortgage was transferred 3 times during covid and now Fay servicing is saying we owe the full amount or XXXX or they are going to change our locks. They have disabled my login and iam unable to get statements and my tax information. I have called and left vm. No one will call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Herbert P. Sears Co., Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXXThis place stated that I owe {$1500.00} for braces that were not supposed to be placed in my mouth. If anything I should have sued them for XXXX. This dental company quickly threw some XXXX to get a cut of my XXXX benefits, knowing that my XXXX strongly advise me to wait until I got all my XXXX taken out. When I went for my monthly visit I was refused dental treatment due to non-payment. I left the office upset and rejected. I had to walk around for months with XXXX that became painful and disfigured my mouth. Months later I get a bill for {$1500.00} stating I needed to pay in full. I actually tried to work out a deal and even thought of giving them another chance to redeem themselves, but instead they said they would have to charge me the full amount for XXXX, which was close to {$4000.00} after I paid the {$1500.00} that I supposedly owed. They even wanted to charge me for taking the XXXX off, due to their wrong doing. After hearing this I knew this was not the place for me, nor did I trust the practice. A year later I went to a different XXXX office and they helped fix my teeth. We started over and took the XXXX that were put on my teeth by XXXX XXXX. I have talked to other consumers and they agreed that XXXX XXXX is running a very bad business. I did n't report this sooner due to not wanting additional stress. I want people to hear this story, because I am sure I am not the only XXXX that has experienced such poor treatment through this facility. A few years later I check my credit report and not only did they sell my account to a collection company, but they changed the date of service, so the bill would look recent. I am shocked and appalled by this entire thing. Not sure what to do or who I should contact. This has ruined my credit and affected me physically and emotionally.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18
Company: Franklin Collection Service, 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:
Sometime in early XXXX, I closed my XXXX XXXX XXXX account for cable. I returned the cable box by mail, but started receiving collection demands to pay for the allegedly unreturned cable box in the approximate sum of {$200.00}. I disputed this debt with the first collection company ( can not remember the name ) and assumed it was resolved. Then, the " debt '' was apparently " sold '' to another collection company, XXXX XXXX XXXX. Even though I disputed the debt, I paid the amount to avoid being harassed again. This was paid in XX/XX/2019 and I have my bank statement to prove it ( attached ). Now, just this week, I got a notice from XXXX XXXX that I had a derogatory addition to my credit report. A new debt collector, Franklin Collection Service, has reported a collection account of {$200.00} against me to the credit bureaus. I PAID this debt eight months ago. Franklin never contacted me, I never received any  letters. This is a complete fraud and a lie. And now it has damaged by credit as it is affecting my ability to obtain a car loan at a reasonable interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have enclosed the documentation of my claim that erroneous items are being listed on my credit report due to these private student loans. Attached are all the supporting documents. I simply want the items, including any hard credit inquires from potential creditors that were denied, ALL removed and deleted from my credit report as they are not factual. This issue has directly impacted my ability to obtain personal lines of credit since XXXX of 2014. 

Enclosed is the official response from XXXX including the original promissory note stating only XXXX ( XXXX ) loans from their offices were ever issued with direct contact information. These private student loans were then bounced around between XXXX ( XXXX ), XXXX ( XXXX ), and XXXX. All of these items are listed on my credit report as multiple separate loans when they are NOT separate loans but the same XXXX ( XXXX ) original loans transferred from the lender to vendor, to collection agency. 
Executive Office XXXX XXXX, NY XXXX ATTN : XXXX XXXX Phone : XXXX extention XXXX Both of the private student loans were originally from XXXX. These loans now appear as multiple negative items listed as XXXX, XXXX, XXXX, or XXXX. NONE of these items should not even appear on my credit report as negative items. Per the court ruling this debt was dismissed without prejudice and can not be collected on, nor should it even appear on my credit report as it is not a debt. 
Magisterial District Court : XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Docket Number : XXXX XXXX XXXX, PA XXXX Phone : XXXX Case Number : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
In XX/XX/XXXX, my Experian credit report indicated that my last late payment was 18 months ago ( XX/XX/XXXX ) and that I had " XXXX '' late payment. Inexplicably, my Experian credit score dropped XXXX points in XXXX and the report indicated that I had " XXXX '' late payments with the last being 19 months ago. XXXX late payments newer than 19 months ago made no sense. As, I knew that I had no late payments and if I did, they should appear on my credit report. I spoke with Experian XXXX representatives who stated, they could n't see " anything to dispute '' on my reports as there were no " new '' late payments added since XX/XX/XXXX!! I asked them what could be done to correct the inaccuracy and they said " nothing '' as they could n't identify anything to dispute. They refused to resolve the issue and indicated there was no way to repair my credit score.Nor could they provide an alternative explanation to the precipitous drop in my score! 
this to me appears to be a gross error and negligence on their part.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation