BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-02
Company: Linebarger Goggan Blair & Sampson LLP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Yesterday I received notice that my state tax return was being intercepted by the group Linebarger, Goggan, Blair, & Sampson LLP.

I did receive notice of intent to intercept filing from same firm in XXXX, but as they provided no information on what this supposed debt concerned and I was not aware of owing anything, the next day I sent them the attached debt validation letter by certified mail to all three addresses present on the correspondence. I was careful to preserve records of my attempts to verify this debt, including keeping a copy of the letter + my individual efforts to verify the debt, and receipts for the certified mail. For the two letters sent to XXXX XXXX addresses, I received the signed domestic return receipts back ; for the XXXX XXXX office I did not, but the tracking number confirms delivery. 

I never received any reply whatsoever to my request for verification nor any further correspondence from LGBS, so I was quite surprised to receive the notice from the Tax Board. I was under the impression that by law, if the debtor can not offer any evidence that the debt is valid within thirty days, they must cease collection efforts. It appears to me that Linebarger Goggan Blair & Sampson LLP have violated 15 U.S.C 1692k.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a mortage with SLS and I and begin force into a foreclosure. I have been trying to do a loan modifcation with no succes, I would send in my documents and when I can they would put me on hold never answer my call, or they would hang the phone up on me. I have tried and tried I even tried to do a short sale there is no working. I am being force out of my house rhat I have with me and my kids, on to the street in the cold. And SLS is being allowed to get away with it, I dont know what to do at this point Im in a loss, loss situation. Sls do not need to be in business, I have been lied to and I am begin force out my home for weeks, I would send in paperwork that they say they never receive, deceive and lied to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX Has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacv 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

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 2020-04-02
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: Account status incorrect

Complaint:
On or about XX/XX/2020, I got a XXXX late payment on all 3 credit reporting bureaus from XXXX XXXX  XXXX XXXX XXXX. I called collections department and spoke to a supervisor and she stated it was a computer glitch and it was a mistake. She said it will be updated and removed. It was updated but it wasn't removing because it's still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: KEYCORP
State: ME
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
A late fee was assessed on Sunday, XXXX by Key Bank. Electronic Payments are not processed on weekends and payment was processed by my bank on the next business day. 
This practice is a violation of consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
www.socialsecurity.gov Attn XXXX XXXX XXXX XXXX XXXX privacy policy www.ftc.com. XXXX Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Investigation XXXX represented XXXX. XXXX Customer Services Topics XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tele/fax Order # Order Status XXXX. I would Like Returns Policies Personal Checks Customer Services Shipping Handling. They charge $ XXXX XXXX XXXX XXXX XXXX XXXX10 Business days. I called on XXXX/XXXX/16. I sent over XXXX pages faxed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I discovered a few inquiries that are not mine on my credit history today XX/XX/20 when I was reviewing my credit report with my loan officer. I didn't know that these inquiries were on my report because I did not authorize any of them and I did not apply for any account with those companies. I am not affiliated with any of those companies in any way nor did I gain anything from those inquiries that were made in my name. I have already contacted the companies as well as filed a police 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 2020-04-02
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: Information belongs to someone else

Complaint:
I discovered a few inquiries that are not mine on my credit history today XX/XX/20 when I was reviewing my credit report with my loan officer. I didn't know that these inquiries were on my report because I did not authorize any of them and I did not apply for any account with those companies. I am not affiliated with any of those companies in any way nor did I gain anything from those inquiries that were made in my name. I have already contacted the companies as well as filed a police 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 2016-09-21
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Hello, I have a student loan with SallieMae. They keep giving me harassing phone calls. When I tried to make a resolution with them, they did not want to work one out for me. I explained to them that I am having a financial hardship at the moment, since my apartment was broken into two times. But, they did not want to hear it. Please advise or help me regarding this situation. Thank you. 

Sincerely, XXXX XXXX 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 2022-04-14
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am sick of writing these complaints! 

I contact XXXX almost every month, I set up auto pay and they continue to decline the payments and remove the auto pay action off my account. It then makes me late and get charged a late fee which they make me responsible for and lower my credit line because their algorithm thinks I can't make payments. I AM SO UPSET!! 

This has happened far too often and am getting angry, I am currently working with XXXX XXXX and XXXX XXXX at our local newsroom and am creating a story regarding the false reality FNBO is setting for its consumers. 

You guys are scamming me with late fees, reducing down my credit line and pretending I don't have auto pay setup when I've set it up 4 times and have bank statements showing I've submitted payments. 

XXXX XXXX XXXX XXXX XXXX has provided " Proof of Payments '' I've sent to XXXX who's claiming THEY NEVER GOT PAID!!!

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 2022-09-11
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/2022, EXPERIAN dropped my score by XXXX POINTS after I paid off my auto loan in good standing on XX/XX/2022. This is not fair nor right and should be illegal, or a case for a class action lawsuit.

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 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
unauthorized items in my 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 2020-04-02
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I applied in XX/XX/2019 to refinance a private mortgage I had with AnnieMac, after months of processing the loan they told me that I had to close as a purchase loan and not a refinance even though the mortgage was recorded. At the subsequent closing they finally did it as a refinance and I had a subsequent 3 day rescission period. 

At the closing I was never given copies of any of the closing documents and spent several months trying to get AnnieMac and/or the title company to send me a copy to no avail. To this day I still do not have a copy of my HUD 1 settlement statement after several requests to the title company they made me use and requests to AnniMac. 

Subsequently, I never received a first payment letter or any information regarding a payment due date, I tried to make a payment online with them, AnnieMac, in XX/XX/2019 after several phone calls to their origination office and subsequently their servicing center without any assistance from them at all. I was repeatedly told by AnnieMac that I would receive instructions in the mail. I then stopped payment on the XX/XX/2019 payment I made because I had no information and wanted to make certain my payment went to the correct place. 

Subsequently I finally did have contact from them, AnnieMac when they sent someone to my home to serve me with a default notice and intent to foreclose. Three days after their agent showed up at my house I received a copy of my closing docs from them without a HUD 1 settlement statement which as of today I still do not have.

I do not want to lose my home, I have been here for over 6 years with a monthly payment very similar to what my payment is now with AnnieMac. I have never missed a payment until this fiasco with AnnieMac. They have destroyed my credit and every time I try to talk with them I get different answers and they are trying to push me into a forbearance agreement or deed in lieu of foreclosure. While I do not intend to stay here forever I certainly do not want to leave now. In addition they have now destroyed my credit and I do not know what to do. Is this a situation where I need to hire a lawyer and spend thousands of dollars to save my home just because I had the misfortune of doing a mortgage loan with such an unscrupulous lender? 

I'm in a situation where I need to purchase a car and because of this situation that will be impossible or at the very least triple what it should cost. 

At no point in the entire situation have they made any attempt to make this right and they have repeatedly, and I would say knowingly, violated almost every aspect of RESPA and have XXXX regard for me as a customer and homeowner. 

I have not contacted the FHA directly as of yet, however, it is my intention to do so if we can not get this resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Experian Information Solutions Inc.
State: MI
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:
My identity was stolen and used numerous times with plenty of fraud accounts opened over time. Here are the fraud accounts Ive discovered so far : XXXX XXXX ; Opened XX/XX/XXXX Balance {$5700.00} XXXX XXXX XXXX  ; Opened XX/XX/XXXX Balance {$730.00} XXXX XXXX XXXX  ; Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX  ; Opened XX/XX/XXXX Balance {$96.00} XXXX  XXXX   ; Opened XX/XX/XXXX Balance {$0.00} XXXX  XXXX XXXX ; Opened XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXX ; Opened XX/XX/XXXX Balance {$190.00} XXXX  XXXX  ; Opened XX/XX/XXXX Balance {$1400.00} XXXX  XXXX  XXXX  ; Opened XX/XX/XXXX Balance $ XXXXn XXXX  XXXX XXXX ; Opened XX/XX/XXXX Balance : {$210.00} XXXX  XXXX  ; Opened XX/XX/XXXX Balance : {$2400.00}

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 2020-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
Hi, my credit report shows that I have hard inquiries for credit cards that I did not apply for. The following are the cards I DID NOT apply for : 1. XXXX Bank - XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. Capital One- XX/XX/XXXX 4. XXXX XXXX  XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX It is affecting my credit score and causing me issues to apply for other credit cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-02
Company: Student Loan Finance Corporation
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I borrowed {$13000.00} in 2003 from Student Loan Finance. I became extremely I 'll in the middle of the XXXX semester, resulting in XXXX XXXX over the last XXXX years. Student loan XXXX has been unrelenting. They have told me I need to borrow the money from family members or get another job. They have been unwilling to accept any form of payment other than what they want and have threatened to sue me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
This is a formal complaint against TransUnion Consumer Solutions located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, TransUnion Consumer Solutions has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2022-01-05
Company: EQUIFAX, INC.
State: FL
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 disputed this item with Equifax, XXXX, and XXXX on XX/XX/21, and XX/XX/21 and Equifax, XXXX, and XXXX have incorrectly " CONFIRMED '' this is accurate and Equifax is WRONG. 

Furthermore, Equifax, XXXX, and XXXX never sent me a response to either of my disputes yet it remains on my reports. 

However, according to the documentation I have attached from the creditor the WHATEVER WAS MISSING AND UPDATED is incorrect. This means Equifax, XXXX and XXXX didn't contact the creditor. Delete this item immediately. 

XXXX XXXX XXXX XXXX THIS ACCORDING TO THE REPORTING PARTY YOU WERE INSTRUCTED TO DELETE! Equifax, XXXX and XXXX have FAILED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There was an inquiry made by XXXX XXXX on XXXX/XXXX/2016 that was incorrectly reflected on my credit report. I contacted the creditor and received confirmation they would make the required updates. I also initiated an online dispute with experian and received a response stating they could not remove it because they are required by federal law to list all organizations that have requested your credit history. 
However, the hard inquiry shown is reporting incorrectly. 
I have attached the letter I received stating this would be corrected.

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 2020-04-02
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2020 I became aware that U.S. Bank closed a joint account owned by both XXXX XXXX XXXX XXXX XXXX. I contacted the branch manager and eventually the district manager XXXX XXXX to attempt to understand why the account was closed and to receive the remaining funds in the account. I was informed that a certified check for the remaining amount was sent to my fathers address in XXXX, WI however the funds never arrived as of XX/XX/2020. I spoke again with XXXX and he again stated that he would attempt to send remaining funds to my listed P.O. Box,  however as of XX/XX/2020 the funds never arrived. There was a remaining balance of over {$2300.00} and U.S. Bank has apparently refused to refund our funds after numerous attempts.

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 2022-09-11
Company: Experian Information Solutions Inc.
State: AL
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:
unauthorized items in 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