BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I opened a previous dispute about a collections from " XXXX XXXX XXXX '' for a collection of {$780.00}, original creditor was XXXX XXXX. The debt was not mine and was proved to not be mine and was to be removed. Both the credit reporting agencies and CFPB showed that it was an error and said it was to be removed. The debt is still being shown on my XXXX, Transunion, and XXXX  reports however. In the case of Transunion, the " XXXX XXXX XXXX '' collection was removed the same day a new collection account with the same open date and same amount due was opened on my Transunion account. I now have a new collections which says the original creditor is " Collection '' with the same amount owed {$780.00} and the same opened date of XX/XX/2018. The collection company appears to be either not removing the account or in the case of Transunion they have moved the collection to another company name so they can reinstate it on my credit report. I'm applying for a mortgage shortly and can't keep fighting ( this is the fourth time ) to keep this charge off of my accounts. As soon as I have them removed by Transunion, XXXX, or XXXX   they are put back on again a few days or months later until a different collections name. If it can't be stopped permanently I'll need to file a lawsuit against the holding company. Please help before it gets that far.

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 2016-04-06
Company: Marlette Funding, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
Best Egg approved my personal loan for {$32000.00}, but when I saw the high 14.99 % interest rate I did not accept the offer. This rate was only visible to me after approval. They sent me many other offers to try to lure me into accepting the loan, but the rate was too high for me from their advertised 5 % and 6 % rates. 

When they became finally convinced that I was not going to accept the loan, they sent me a letter declining my application citing insufficient income. I had originally applied for {$40000.00} and they approved me for {$32000.00}. 

The rejection lowered my FICO score and affected my ability to get better rate loans. I believe this tactic used by Best Egg is fraudulent, unethical, and vindictive and deserves to be fixed.

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 2016-09-10
Company: TCF NATIONAL BANK
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep getting calls from Gateway One where they call my phone every day leaving voicemails asking for a person who i do not know. I 've told them they have the wrong number but they keep calling. They are violating the FDCPA by continually contacting me and I feel like the only way to stop it is to block them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
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 status incorrect

Complaint:
Carrington Mortgage Service ( CMS ) reported my XXXX mortgage payment to the credit bureaus are being late in spite of them cashing the mortgage check ( electronically ) from my bank ( XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and after receiving my payment dispute on from my previous complaint on XX/XX/XXXX. According to the CFPB guidelines CMS is required to suppress the reporting the of the loan and payment information on the credit profile for a period of 60 days. They misreported my XXXX payment at the beginning of XXXX. See attachments. 

Previous complaint information attached

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: RoundPoint Mortgage Servicing LLC
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I previously filed bankruptcy and my bankruptcy has been discharged but Roundpoint has refused to speak with me about my account. I have sent in multiple request about my billing statement, my discharge, and just trying to speak with a representative. The representative states I and my wife needs to contact my lawyer and/or trustee. I feel I have been going in circles trying to obtain a simple billing statement. My lawyer submitted a letter to Roundpoint stating I can speak on behalf of my account since it was not included within my bankruptcy. Roundpoint has received my discharge paperwork.

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 2016-06-28
Company: Arbor Residential Mortgage LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seneca Mortgage is now refusing to pay the invoice for my condo/homeowner 's insurance. XXXX mailed the annual statement in early XXXX, as they always do. They were upset last year when Seneca Mortgage paid them almost a week late and one week After the policy expired. Per XXXX, Seneca Mortgage has always had problems paying the debts of its customers on time. This is unacceptable. 

Seneca Mortgage is now putting my safety, the safety of my home, and my financial future in jeopardy. I believe that they are intentionally not paying the invoice as retaliation for filing a previous complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Usaa and XXXX credit bureau once were in business together. Right now they usaa federal savings bank credit card department falsifying charges amount owed etc on credit report. Right now they have added a refund as a credit of XXXX $ against my account balance instead of refunding it Calling doesnt work they just put me on hold they have also taken away my right to dispute the charge again since there have been no other purchases with the XXXX XXXX XXXX XXXXXXXX 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 2020-06-09
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am set up for a two-installment, automatic payment to pay my balance in full each month. This month I wanted to pay only on the due date, so I cancelled the mid-month payment. I went to change the due-date payment to the full balance instead of half, but it already showed the full balance, so I did nothing. When my payment came out of my checking account, it was only half. At this point I was willing to accept this was probably my error. To avoid interest, I made a one-time payment of the remaining balance. Yesterday, I noticed the payment had not been deducted from my bank account. After much research, I figured out that the payment was taken from an old, closed account. At this point, I was still willing to assume it was my error. I went to schedule a 1-time payment again, but noticed the old, closed bank account wasn't listed as an account to choose from, so I could not have made the error and am no longer willing to take responsibility for this. I did not trust making another payment online, so I paid through the automated phone system, using my account and routing number ( not the saved 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 2016-10-20
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I presently have a loan with Cashcall, which was completed approximately 4 months ago. 

As interest rates have improved, I decided to go back to Cashcall for a refinance. After completing the necessary paperwork, I was told I had loan approval. In fact, I signed the loan documents with a notary. Loan number is # XXXX. 

After loan documents were signed, Cashcall indicated that XXXX and XXXX loan requirements had changed, stating that my Roth IRA account could no longer be used as qualified income, as I had used in the first loan. ( I submitted a letter from XXXX, showing the monthly distribution, which I offered this time as well ) After researching this " new '' requirement from XXXX and XXXX, I was unable to find anything online to support this statement. I believe this is untrue. 

XXXX XXXX and XXXX XXXX from Cashcall indicated to me that an automatic IRA distribution for persons over XXXX could only be used as qualified income. 

I notified Cashcall that I only have a Roth IRA, which does not require an automatic distribution. This is the same Roth IRA that I used for the first loan with Cashcall! I made numerous attempts to reach them, both in phone calls and emails, with no response whatsoever. 

I believe they are discriminating against me because of my age.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX {$230.00} XXXXXXXX XXXX In accordance with Fair Credit Reporting act. The account above listed violated my federally protected consumer rights. 15 USC 1681 Not only is this account not mine it's listed on dates I never been able to operate.

15 U.S.C 1681c. ( A ) ( 5 )

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 2020-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
i am a victim of identity theft i have fraud account on my credit report i have reached out to all 3 bureaus to have this matter resolved no results this has caused a lost of job and other issues please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions 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:
FCRA violations : inquires not mine XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until Jun 2022 700 XXXX  XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX FCRA violations XXXX addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} XXXX Closed. {$590.00} written off. 
XXXX XXXX BANK Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Account charged off. {$1400.00} written off. {$1400.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1800.00} XXXX XXXX account. $

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
am filing this complainant because Transunion has ignored my request to provided me the documents that their company has on file that was used to verify the accounts I disputed Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete information Which can not be verified * that I have disputed please resolve this manner as soon as possible Thank you

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 2022-07-21
Company: Coinbase, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My card issuer Coinbase was notified that a chargeback was needed for the following purchase. Information ask and answered multiple times via email in the following : Merchant name : XXXX Date/time of transaction : Placed on XX/XX/2022 XXXX Transaction amount : {$410.00} Dispute amount ( must include original transaction amount ) : {$410.00} Was the physical card compromised? No Is the card still in your possession? Yes Was this a recurring payment? No Have you purchased from this merchant in the past? No Have you tried to contact the merchant to resolve? Yes What merchandise or service was ordered and when was it expected to be received? XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Order shipment has not been fulfilled and no response has been made to several contact attempts through Email and Phone. 

Multiple times, I have made contact with Coinbase and they have sent me repeating emails asking for the above information after an initial report filed on XX/XX/2022 and then told me after the several attempts that I would have to wait an additional 90-days after which no reverse has been posted and no responses to further inquiries have been responded to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-07
Company: ERC
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have no clue to where this collection came from I never had XXXX ever in my life nore did I ever sign up for XXXX and I want this off of my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
TransUnion XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information in my file. This information does not relate to any transaction that I have made. 
XXXX ACC # XXXX XX/XX/XXXX XX/XX/XXXX {$50.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are fraudulent items I am requesting that they are deleted /blocked by name of source A CRA must block the fraudulent information the victim has identified within XXXX business days after accepting her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Enclosed is a copy of the law enforcement report regarding my identity theft Please let me know if you need any other information from me to block this information on my credit report. 

Sincerely, XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: EQUIFAX, INC.
State: NY
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
At the time I took out the student loans I had every intention of paying them.However as I have explained numerous times to the representatives that call almost every hour between XXXX XXXX and XXXX each day of the week I'm now unable to work and receive Social Security XXXX benefits. I have continuously explained this to them. If I put a loan in forbearance the interests rate added is ridiculous. The amount I borrowed and the amount I now owe has almost tripled. I ask for forms to recieve by mail and complete to try to have my debt forgiven and I dont receive it. They continually call and I continually tell them the same reply. I do not have any "extra" money to make any type of payments. This has ruined my credit and also causes me increased XXXX and XXXX. These are one of the reasons I have SSDI...I'm going to eventually have a need for hospitalizations if they continue to harass me.     It's hard enough for me to deal with the fact that a career I worked so hard to try to obtain through my XXXX   degree is no longer something I can do. I'm so tired of the daily calls. There are days I simply become tearful because of the way they make me feel.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one The items are as follows : ACCOUNTS XXXX XXXX INQUIRIES XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is not sent in by error. I am a consumer by law and my information is being misused and now I have some false not 100 % accounts on my credit report. Unauthorized used of my 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 non-monetary relief