BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
In XXXX, I contacted Equifax asking them to investigate errors that appeared on my credit report. As of today, over 3 months have passed since I sent my request to them, and I have yet to receive a response. I have also sent at least XXXX follow-up letters asking for my credit updates, and I have still not heard a single word back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 had XXXX XXXX Which i canceled on XX/XX/2020. After Due to covid-19 everything was shut down. I was not able to return Equipment 's to XXXX. 
Finally I returned equipment 's to XXXX on XX/XX/2020. But i had Dispute with XXXX they Asking {$600.00} But According to Me it was {$330.00} Finally they took {$330.00} from my checking account and sent me satisfactory letter. which i will attached with complaint. Last month an half i was trying to request all 3 Credit Bureaus to delete this account but every time they come up with very unique excuses. 
Which doesn't comply accordance to FCRA

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 2017-08-16
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On X/XX/2017 I contacted my Federal Student Loan service provider, NELNET. I was attempting to obtain an amortization schedule. An amortization schedule is not available via their website and my Mortgage lender was requesting one. No one at NELNET was able to provide one. I spoke with XXXX XXXX at one of the east coast service center and she stated that she would not provide one even though they had them for their internal records. They advise that since they change my payment at anytime with a 30 day warning that the amortization schedule was not allowed to be released to me. As borrower I should be able to have this documentation for my records yet they refused to provide anything that could not be printed off their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Reporting Act : XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, has violated my rights. 

15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ) states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C 1681 section 604 A section 2 : states, A consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681 section 602 A. states, I have the right to privacy.

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 2018-06-09
Company: RentDebt Automated Collections, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed an account with XXXX for RentDebt 3 times. This is not being removed from my report. I was contacted by the company one time and provided information payment made and video of apartment to show that the debt for XXXX is not valid and I only should owe an amount of XXXX I have asked for this information to be updated and XXXX keeps reporting the debt as XXXX and saying that the amount is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I refinanced my house located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX through a loan company called XXXX XXXX. The loan was done to pay off my back taxes on a XXXX XXXX. The loan servicer was XXXX XXXX XXXX XXXX. They took an excessive escrow amount for impounds on property taxes. A payoff processing fee of {$7600.00} and additional amount of {$6700.00} for property taxes which total to {$14000.00}. My interest rate was suppose to be 5.7 % but they changed it to 5.8 and included a prepayment penalty on loan document signing. The payment schedule is confusing on the loan disclosure. It states that the monthly payment will be {$1600.00} which included principal and interest. Now, my mortgage statement says this will only include interest and they have my monthly payments at {$3000.00}. They have not corrected my mortgage payment for the adjustment in property taxes. 

I have called both XXXX XXXX XXXX XXXX department and I contacted Select Portfolio Servicing three times already to correct this. SPS sent me a letter on XX/XX/XXXX about hazard insurance required on the XXXX XXXX XXXX, XXXX XXXX, CA XXXX and they plan to buy insurance at a possible higher cost. I already had insurance and they were sent the documentation. Because of the problems in servicing my escrow account, I notified them in writing on XX/XX/XXXX, that I did not want an escrow account. I told them that I already paid my property insurance/property taxes and plan on paying both in the future. Yet, Select Portfolio refuses to refund the money taken for my escrow impound account and keep sending me for monthly mortgage payment of {$3000.00}, which is incorrect and I can not afford. I have been making a monthly payment of {$1600.00} on time for the first 120 months which is stated on the first page of the loan documents. I want my escrow money refunded, my mortgage payment reflecting {$1600.00} to include principal and interest. I'm worried that they will foreclose on me for not paying the mortgage amount that they are requesting. I would greatly appreciate if you would investigate this matter and resolve it. 

Sincerely, XXXX XXXX Loan # 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 2022-04-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Reporting Act : XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX  acct # XXXX, has violated my rights. 

15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ) states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C 1681 section 604 A section 2 : states, A consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681 section 602 A. states, I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our home owners insurance is made with our monthly payment to Ocwen financial service. The invoice from the insurance company is sent out in XXXX, and is due XXXX XXXX. As is the case this year and the past two years, Ocwen does mske the payment prior to the home owners insurance policy lapses.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: BB&T CORPORATION
State: VA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I was called by the Fraud Department of BB & T bank, XXXX, alerting me to the fraudulent use of my credit card. I returned the call and was told a new card would be sent. I received new card but BB & T bank during XXXX branch visits could not verify charges, account numbers or fraudulent activity on any account. 
I am concerned this might be a scam.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: DISCOVER BANK
State: AZ
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:
I have a Discover card on my report that was opened years ago. I have been going back and fourth stating that these charges were unauthorized which ran up my card amount and then the card was canceled by the company ( Discover ) because I refused to pay the bill. I can not legally be held accountable for fraudulent credit charges and there were over {$2400.00} worth of charges. The account reporting is not tied to any information of mine. I would like proof of my ID being used to open this account then also of the charges that were accumulated on the account as well. I believe this information is erroneous and needs to be rectified immediately. Removed in good standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2017-01-03
Company: National Principal Group, LLC
State: MI
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I took out a payday loan in XXXX which was paid in full. Now, 11 years later I have a company contacting me constantly stating that I never paid the debt and that they are going to sue me. They have even contacted my family members and my in laws ( whom I did n't meet until XXXX ) I have explained to the company that I do not owe anything for that loan and they become rude and start calling me a liar, etc. I honestly believe that they got a hold of my information somehow and are just trying to scam me out of money. The original creditor has never made any attempt to contact me in regards to any discrepancies on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: TD BANK US HOLDING COMPANY
State: VT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX  XXXX, TD took over {$700.00} USD out of my account ( see below ) Stimullus Temp CR Reversal XXXX They stated they had given a credit to my account for the stimulus and took it back. I never had any notice that my account had been credited for any loan/credit or anything of the sort. 

I opted to " go paperless '' and receive my statements etc. electronically. Customer Service advised I had been given notice by a letter. 

I also advise them almost monthly that I have been traveling for the last 3 years. 

This has caused my account to go deeply in the hole and am going to have to borrow money for rent and food next month. 

This bank constantly rips off the consumer and the government does very little about it. Rigged penny arcades : Minor fine. Structuring of Transactions for over a XXXX USD in false charges a XXXX XXXX settlement. Not alot of incentive when that gives them about an 85 % profit margin for criminal fraud. 

You people do nothing to the banks when they conduct illicit activitiy, because the banks have Congress in their pocket.

What are you going to do about this? 

I know. Nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-20
Company: Experian Information Solutions Inc.
State: CA
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:
After filling in the basic information requested on the XXXX website for my free annual credit reports, the site stepped me through each of the credit reporting agencies ' pages. All three shutdown the process without providing me with my credit report. None asked for additional information. None gave me the opportunity to resolve issues online, nor did any provide any substantive explanation of what their issues are. 
" We are not able to deliver your free XXXX  Annual Credit Report online. '' -- XXXX  " A condition exists that prevents Experian from being able to accept your request at this time. '' -- Experian " We can not proceed with your request at this time. Explanation : Unfortunately, we are unable to process your request based on the information provided. '' -- XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Resurgent stated that they purchased this alleged debt and they have " all rights to ownership, they have the right to collect and the right to report to the consumer reporting agencies. Please provide that proof and the FORWARD FLOW AGREEMENT between the " Current owner '' and the " Original owner ''. Also, provide an invoice/ bill of sale of this alleged debt. I am also requesting the aggregated value of the purchase OF THIS ALLEGED DEBT between the CURRENT OWNER AND ORIGINAL OWNER ... RESURGENT IS REPORTING THIS ALLEGED DEBT TO MY CONSUMER FILE, IS ALSO A VIOLATION UNDER FCRA, ACCORDING TO 15 USC 1681b ( a ) ( 2 ) I, the federally protected consumer never gave written instructions to furnish anything on my consumer file. Please send me proof that I gave the " original OWNER '' or the " current OWNER '' WRITTEN permission to report or furnish anything on my consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Credit card
Issue: Credit determination

Complaint:
This is a very very serious situation with USAA SAVINGS BANK and their credit card department and insurance department and bank department. Due to their horrible credit card department and every department USAA illegally put our credit card in collections. This situation can be proved in court of law and we will not rest until USAA takes care of this. This is the most unprofessional, thieving company that disrespects it clientele and does n't care if people are dieing, homeless, careers ruined or what not from their illegal and highly irrational behavior. In 2012 myself and my co-signer illustrated we were idenity theft through our banking account and lost over {$35000.00}. A person was arrested and we filled out police report. Usaa then shut our accounts down banking and held on to our money for over a month without reason why. This caused a huge rift in our fiances, then we noticed our USAA CREDIT CARD had tons of suspicious activity similiar to banking accounts, well USAA instead of helping us when we asked, they decided to just put our credit card in collections illegally when we were paying more than balance owed on it and I never had missed a payment in over XXXX years. Usaa exhibits this illegal and highly ruthless behavior and when asked to fix it they give the public a blanket statement WE LOOKED INTO AND FOUND NOTHING WRONG. That is it, well there is something wrong. We had FEDERAL TRADE COMMISSION, ATTORNEY GENERAL OFFICE and many other government agencies federal and state. USAA needs to not only be highly investigated and class action lawsuits started but every customer needs be aware. I been with them for 20 years and I lost my whole life and my partner is XXXX cause of their illegal behavior and this needs to be taking all way to to congress if not fixed. I will keep this on this site and go to every agency if not fixed properly. And I understand you have to give them 45 days, I will personally feel I need see a fix in 15 days. I never seen a company behave so illegally and get away with so much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Notice of federal tax Lien is on my public record and it should have been remove since XXXX/XXXX/2014. All credit agency 's Trans Union XXXX and XXXX still show it on my creditreport I want it off now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our home and the mortgage company sold our loan to Flagstar Bank. At the time our loan closed, our escrow was calculated based on the tax certificate which states that our property taxes are due on XX/XX/XXXX. Our first payment on the new loan was in XX/XX/XXXX. In XX/XX/XXXX we were informed by Flagstar that they conducted an escrow analysis and determine that we had a shortage, so they raised our payment to cover the shortage. The increase was {$120.00} per month. I contacted them to find out why this occurred. They explained that they paid our taxes in XXXX and the lower balance was in XXXX. I told them that the taxes are not due until XXXX, so paying them early should not cause me to be financially penalized. I filed a complaint and on XX/XX/XXXX I was informed that they had denied my complaint and that they would continue paying the taxes two months early and they would not correct my escrow. I again filed an appeal and they again denied it. So, I requested to withdraw my escrow funds so that we could manage our own account. They sent me a form and said that I could request the withdraw, but that they would charge me an {$800.00} fee in order to request the withdrawal. Since the problem with the escrow is caused by their mismanagement of the account and refusal to pay the taxes when they are due, it is absolutely unfair that they are charging me such a ridiculous fee to take my escrow and manage it myself. Basically, I'm stuck and they don't care.

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 2021-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is beings own is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : XXXX, XXXX # # # # # # XXXX. XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX AND XXXX XXXX, XXXX, OH XXXX and XXXX XXXX XXXX, XXXX, OH XXXX My current address is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXXPlease notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15USC1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this 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