BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-14
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XXXX XXXX, XXXX, Equifax publicly made it known that over 145 million consumers had their personal information hacked from their databases. Equifax has illegally hoarded my personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act, Equifaxs mishandling of confidential and personal information which allowed their systems to be hacked, violated all privacy rights. According to the Fair Debt Collection Practices Act, I believe all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have had 2 other complaints XXXX and XXXX regarding this issue, both closed by the CFPB when moneygram stated that the refund was available at XXXX. I returned again for the second time to XXXX XX/XX/2022 after receiving Moneygram 's promise once again that the funds would be there.

The transaction again failed with the " please inform the customer the transaction can not be completed '' page.

Once again, I beg the CFPB to demand Moneygram issue me a check to my address on file immediately. Moneygram is obviously incapable of conducting business and should have their license revoked for being either incompetent or an ongoing criminal enterprise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been trying to contact Bank of America for almost a month now. This is beyond ridiculous. I have advised Bank of America that I must IMMEDIATELY short sale my home. They are trying to push me into a modification. I CAN NOT do a modification because my 2nd lien holder is FORECLOSING! I am being foreclosed on my by my 2nd not Bank of America, I CAN NOT DO A MODIFICATION due to the amount owed to my 2nd. OPEN MY SHORT SALE REQUEST IMMEDIATELY STOP WASTING TIME!!! OPEN THE FILE!!! GET ME MY 30 DAY PAYOFF STATEMENT FOR 2ND LIEN AND SHORT SALE APPROVAL LETTER!! BANK OF AMERICA IS IN VIOLATION OF RESPA GUIDELINES WE HAVE SUBMITTED DOCS WITH ZERO RESPONSE.

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 2020-03-19
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
To Whom It May Concern My name is XXXX XXXX. I purchased my house in XXXX of XXXX with an FHA Loan with a mortgage Insurance. The mortgage insurance was supposed to be for the first five years and my five years of the loan was up in XXXX of XXXX and the mortgage company should have stopped the Mortgage Insurance. I have submitted several inquiries and the first inquire they told me that once my LTV reaches the required amount and my loan goes down to {$230000.00} the mortgage insurance will be removed. Now that I have reached that amount, they are telling me the mortgage insurance is for the life of the loan. They are steeling my money and there is nothing I can do. I need your help and support to investigate and help with this matter. The law clearly says mortgage insurance for individuals who purchased their loan prior to XX/XX/XXXX is for five years. 

My mortgage Company is NewRez My loan number is Loan ID : XXXX XXXX XXXX XXXX XXXX Ct 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 explanation
Consumer complaint received 2022-08-29
Company: Upgrade, Inc.
State: FL
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:
XXXX accordance with the Fair Credit Reporting Act XXXX Account # XXXX, # XXXX # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting Act. Section 611 ( a ) ( 1 ) ( A ) Account # XXXX ( XX/XX/2022 ) 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 I have recently been informed that there is negative information reported by [ XXXX XXXX # XXXX ] in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing [ Collection accounts- XXXX XXXX was put in chargedoff {$1100.00} ] in [ XX/XX/2022 ]. 
I challenge the accuracy, compliance and reportability of this listing. Please validate this information with [ XXXX XXXX ] and provide me with copies of any documentation associated with this account, bearing my signature.

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 2020-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I had a Car Loan with XXXX XXXX car financing. I never missed a payment and I recently paid the loan off after 5 years. A great accomplishment. Trans union Credit Bureau called it a closed account. As if it was a credit card and not a Car Loan and dropped my score drastically.I believe that they are quick to throw numbers around when people lives are determined by a decent Credit Score. I am ashamed of TRANS UNION and how flip they were in ruining my score when it was not a closed credit card but a Closed Auto Loan which should have boosted my credit score way up.

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 2016-06-10
Company: United Student Loan Assistance Center
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was contacted after initially requesting information from the United Student Loan Assistance Center. Somehow, and I know it was stupid of me, but they got A LOT of PERSONAL INFORMATION from me ; including my social security number, debit card, etc. I have since filed a fraud report with the credit bureaus as well as cancelled my debit card and even filed a complaint with the Dept. of Education. I am now terrified after doing my research that I made a terrible mistake. 
This company wanted me to make payments, told me I was basically being irrational for being concerned and I felt pressured into giving that information out because " student loans are expensive. '' I had emailed the lady back and told her I was not ready to make that commitment. I then received calls from her manager and " the owner '' - if that was him. 
Before today 's experience I know that I had been contacted by this company before and I told them to quit calling and they refused ; apparently. That 's why I am in this predicament.

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 explanation
Consumer complaint received 2015-12-08
Company: SUNTRUST BANKS, INC.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Suntrust Mortgage : *Forclosed on me while i was XXXX*Denied me for XXXX but the said i was covered a couple years later but never fixed my % *Missing Payments*Did not change XXXX, XXXX, XXXX interest rate to 6 % from 6.875 % on my first mortgage*Did not change my XXXX interest rate from 13 % to 6 % since my XXXX was paid off i deserve the money back*In XXXX was foreclosed on ( THEY LOST A FEDERAL LAWSUIT IN XXXX OF XXXX FOR WRONGFUL FORECLOSURE PRACTICES FROM XXXX TO XXXX ) XXXX XXXX mortgage was paid off and $ XXXX put into an escrow account but when they foreclosed i was never paid this. so they have had my money for 8 years*I want my XXXX mortgage Re-evaluated and the payments re-applied. i show i only owe $ XXXX*When foreclosed i payed {$15000.00} to reinstate no attorney fees should be applied to my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2022-10-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
It has been a battle going through and I am writing to remove the following fraudulent items in my file. The items I need removed are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with any items listed below showing on my credit report. I, therefore, request that you immediately removal of these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
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 XXXXXXXX Balance Owed : {$6300.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; DP OF EDUC XXXX Balance Owed : {$5100.00} ; DP OF EDUC XXXX Balance Owed : {$5100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Earnest Inc.
State: CA
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 was approved for a refinancing of my existing student loans by Earnest , Inc. Upon signing the loan documents, I was informed that i needed to get a " 10 day payoff '' quote from my existing loan servicers, and that Earnest would hold the loan funds for 3 days, then send my existing loan servicers a check, which would take about 7 days to clear, thereby closing those loans. After several days, I was notified by Earnest that they were suddenly backlogged, and unable to disburse funds on this loan for 45-60 days. My worry is that they are out of cash. I am hoping that the CFPB can require Earnest to disclose their inability to fund loans in a timely manner to consumers BEFORE they enter into loan agreements. I am also concerned that Earnest may not be complying with the law and/or relevant regulations regarding capital requirements for lenders.

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 2016-11-07
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Over a year ago, I spoke with Ombudsman with XXXX. 
XXXX, I was told to apply for a Loan Discharg : False Certification because I never received employment for the education I received Loans for. In XXXX of 2015, I sent my Application of Loan Discharge to my Loan Provider, American Education Services ( AES ). For the past year, AES Has reported to me they have " lost my application, '', Admitted " my information has sat on their desk for months, '' not responded in a timely manner-then informing me I had to submit a new application " because the old XXXX expired. '' I am on my fourth application and I still have no acceptance of my Loan Discharge from AES, and interest on loans is accumalating. I want to receive my Loan Discharge Please advise. My phone number is XXXX. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: Experian Information Solutions Inc.
State: UT
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 have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX  XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2022-08-29
Company: TEXAS CAPITAL BANCSHARES, INC.
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/XXXX Attempted to login to my XXXX XXXX  savings account to check the amount as a normal morning routine. I was denied access with a message stating This user is currently XXXX. Please contact your financial institution to re-enable this user. 
Contacted XXXX XXXX  on XX/XX/XXXX at XXXX est and XXXX. Both attempts the call was cancelled. Contacted XXXX XXXX at XXXX XXXX and no representative available ( on hold ). Called again at XXXX XXXX  and spoke to a representative at XXXX XXXX XXXX Found out my account was on hold/freeze due to fraudulent activity. Representative told me that I will be contacted within 3-5days by the security department. 
Today XX/XX/XXXX Called everyday from XX/XX/XXXX on the status of my account due to me needing my funds. Each representative told me they have no phone number or contact information to the security office. I have not been contacted by the security office via email, text, or phone on the reason ( s ). XXXX XXXX representatives are not able to tell me why or provide reasons on why my account of on hold. 
I have escalated and filed a complaint 3-4 times already with the XXXX XXXX representatives ( as they suggested ) and still no response from their security team. 
I have two savings accounts with XXXX XXXX XXXX account had an estimate of {$13000.00} and the other account {$3500.00}. 
I had direct deposit going into the account from two of my employers one was XXXX XXXX of {$2500.00} a week. My other employer was XXXX of up to {$13000.00} a month. I work both jobs full-time and I am in the XXXX XXXX My initial deposit of opening the savings account with XXXX XXXX  was {$20000.00} from my late mothers passing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
It is a strange threat they made, vaguely that they would attack my account "... .Ending in XXXX. '' It sounds more like a marketing ploy, but they threaten to " Block '' my access to my account if they can't extort the new information they want. This is part of an increasing problem with Citibank engaging in coercive information phishing. They have previously demanded information on NONCitibank accounts and closed a credit card account refusing to make a refund for my overpayment. ( CFBP worked that out for me, thank you. ) Now they're at it again. 

This account includes an unwanted checking account which they opened themselves, XXXX XXXX style, against my wishes and threatened to close the account I did want if they didn't get to keep it. I will now close that XXXX XXXX style account in as big a confrontation required to for them to crawl back under their rock.

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 2021-03-11
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  is not taken care of the problem of a dispute that I have constantly submitted XXXX  has corrected the problem my issue is what is the issue with XXXX  that they can not get the information correct and update my files such as XXXX  has done it is affecting my score and this needs to be corrected and I'm sick of XXXX  but they're slowness and insufficiency about fixing issues on your credit 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 explanation
Consumer complaint received 2015-07-15
Company: ERC
State: TX
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:
Enhanced Recovery added a collections account to my credit report on XXXX/XXXX/14. I noticed the debt on my credit when I checked it in XXXX 2014. I sent the first certified letter XXXX XXXX, 2014 and have sent multiple letters since then to this company and all 3 credit bureaus. We have sent multiple certified letters to Enhanced Recovery Company , LLC requesting verification of the debt because it is not mine. They have refused to provide proof of the debt and refuse to remove the item from the 3 credit reports.

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 2017-03-17
Company: STERLING JEWELERS, INC.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
We have been customers of Jarods for several years. Recently, we upgraded my diamond due to a " special '' sale at XXXX On 4 occasions, we were told that the Annual Percentage Rate for this " sale '' was 3 years at 1.25 %. We decided go move forward due to this " special '' rate. Monthly, my fiance questioned the payment due on the statement ... as it did not look correct. Finally, I took a look at the statement, only to see that the 1.25 % is a MONTHLY - NOT ANNUAL Percentage rate. 

I called the customer service and had no luck. Oddly, when at work- I talked about this with my co-workers, and another lady had the EXACT same issue at a different XXXX location.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I had a Car Loan with XXXX XXXX car financing. I never missed a payment and I recently paid the loan off after 5 years. A great accomplishment. XXXX XXXX Credit Bureau called it a closed account. As if it was a credit card and not a Car Loan and dropped my score drastically.I believe that they are quick to throw numbers around when people lives are determined by a decent Credit Score. I am ashamed of XXXX XXXX and how flip they were in ruining my score when it was not a closed credit card but a Closed Auto Loan which should have boosted my credit score way up.

Company response to consumer: Closed with explanation