BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have an account that is good-standing with XXXX XXXX ( XXXX ). They are denying me credit for an extended payment plan for a new phone. Experian is the credit agency they check and I do not have a freeze or security hold active. XXXX XXXX XXXX Inquiry : Case ID [ 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 2019-12-12
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$160.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX  XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$160.00} -This is not my 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 2022-04-26
Company: Transcontinental Credit & Collection Corp
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:
I have taken a loan from XXXX XXXX on XXXX  i have closed that loans and taken XXXX also but still showing in XXXX XXXXXXXX, XXXX sites i have all closure letters

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My attorney and I have been working diligently with the len der ( Ocwen ) to  do a short payoff. Near the   XXXX    o f 2016, th ey agreed to $  XXXX  ... We countered at $  XXXX  because that is what our research shows as the market value for the home which is literally a knock down on the main  XXXX   lane road so on to be  XXXX . This caused them to do anothe r BPO on the property.. It has now been over 3+ months and the lender 's attorney is puzzled why his client ( Ocwen ) is now not responding at all to our negotiations. This has been the norm for this lender over the past 1+ years in tr ying to settle up with them.. Can you help me and my attorney get a response from the lender.. We have email communication from their attorney for the past agreement and we reach out weekly to their attorney with no updates.. I am trying to do the right thing and they are dragging their feet or do n't care at all. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: Selene Finance LP
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I own the house. But the defaulted mortgage is in my ex-wife 's name and I am not the borrower, but my ex-wife is not on the Title. I am asking the bank to mortgage the property to me at a fair market value and with a loan that is affordable to me. They ( Selene Finance ) continue to claim the property is worth much more than the market says it is worth. They did not respond to me asking for loan modification. And they started foreclosure. The total amount due is ridiculously inflated ( after 9 years of paying the mortgage my exwife had to have paid some of it off, so how can it now be 30 % + greater, how can they claim now that I owe more than the house was originally priced in 2005 close to the peak, and almost 50 % more than it is currently worth ). This is extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: AMERIS BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022 I called the customer service number for my loan servicer : XXXX. The loan is held by Ameris Bank. I informed them that there should only be one property attached to my escrow account, not two. I looked up the second property on the XXXX XXXX website and discovered it is owned by the state of Alabama. The parcel # is XXXX. I was told by the customer service representative that the issue would be resolved in 10 business days but I could call back sooner to check on the progress. I called back on or around XX/XX/2022 and was told there was no resolution and it would take XXXX business days. I was advised to call back on XX/XX/2022. I called back on XX/XX/2022 and was told that the issue was not resolved yet and I should call back on XX/XX/2022 to request that the issue be escalated since it was past the due date for resolution. During one of my follow up calls I offered to send a snip from the XXXX XXXX website to show I am not the owner but was informed that the bank had to do it's own research. I called back on XX/XX/2022 and was told the issue would be sent to the escalation team. I received an email from XXXX XXXX stating she was the representative for my escalated issue. She did not provide a contact phone number. I emailed her and asked what she would be doing to resolve my issue and when can I expect it to be resolved. By Monday XX/XX/XXXX, I did not receive a response so I called the same customer service number. I informed the representative that I had not received a response from XXXX. She said I should have received a response within 24-48 hrs and she did not know why XXXX had not responded. She said she would send a message to XXXX to reach out to me and, once again, I was advised to call back if I did not receive a response by Wednesday XX/XX/2022. It is XX/XX/2022 and I have not received a response or resolution. It is clear that continued calls is not resulting in resolution so it seems silly for me to continue to call. The impact of this issue is an overstatement of my escrow payments of {$100.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Experian Information Solutions Inc.
State: DC
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:
XXXX   XXXX   XXXX  reports MONTHLY on all  XXXX  credit bureaus for an account with a balance of  XXXX  it appeas to have started as  XXXX  and possibly connected t o (   XXXX   XXXX   XXXX   ). I h ave tried for a few years to figure out what is going on. I have disputed this with all  XXXX  bureaus at least 18 times to no avail.   XXXX    XXXX   XXXX  shows on the report with the telephone  XXXX  and address of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , FL  XXXX . When i call the number it is the home lo ans ans n ot student loans. The representatives ALL state that I do not have nay student loans with them and the student loans center is closed indefinitely. yet the credit reporting is monthly and renews monthly which lowers my credit report score. I was able to call  XXXX  and the number sends me to the website : nslds.ed.gov. Again I am unble to locate information. I can not get ANY info from   XXXX   XXXX    XXXX  Yet they report monthly. I do have info saying that no payments has ever been made meaning the date of last payment was older than 7 years ago ( per FCRA any account that has not had a payment in 7 years should not show on my re ports ).  The credit bureaus were able to give me that information as well as date opened  in 2004. I w ould not have been  XXXX   in 2004. T his account  XXXX   XXXX  and  XXXX   XXXX   XXXX  need to be removed for many reas ons ans  the most obvious is the age of the alleged accounts and date of last payment. They are illegally reporting monthly and renewing the debt monthly/.

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 2021-11-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery bought this debt from XXXX XXXX credit card. I asked for debt validation letter. I received it there was someone else 's name making transactions. I called Portfolio and disputed it. I had asked to be removed from report. I haven't heard from them yet.. During this time I was already in bankruptcy. I filed dispute with XXXX  provided documents yet they still won't remove it. I have XXXX other concerns XXXX XXXX they are trying to collect more than what is owed. I paid them over {$14000.00} when car redeemed total lost. Minus total balance was {$18000.00} = {$4700.00} not {$11000.00}. XXXX XXXX statue of limitations expired pa is XXXX. 2 different open dates must be deleted asap

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have paid my mortgage on time. The servicer SLS has refused to accept proof of payment. I have mailed proof of payment through the postmaster and also spent hours on hold to get a fax number ( as they do not accept emailed copies of proof of payment ) I am in the middle of refinancing another loan into my name. They have now reported me 30 days late and this is affecting my credit score. It appears I have little recourse to the large banking institutions and I have no where to turn. I hope you can assist in resolving this matter. The lock rate fee is escalating on the refinance.

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 2022-03-20
Company: Navient Solutions, LLC.
State: AL
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:
Navient is reporting two accounts that do not belong to me on my consumer report. I, XXXX XXXX XXXX do not have a loan with them in my name. They have failed to provide any information to me regarding these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
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:
I have taken a loan from XXXX XXXX on XXXX i have closed that loans and taken XXXX also but still showing in XXXXl, XXXX, Experian sites i have all closure 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 2017-06-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I received a promotion from USAA to lower my interest rate for a period of time for all balance transfers. According to my XXXX statement, I had a credit line of {$15000.00} with  {$8200.00} available. In conjunction with another credit card with low interest, I decided to transfer the entire balance of one of my loan to my credit cards. In order to do this, I had to use convinence checks. While I had checks for the other account ( also with USAA ), I did n't with the account in question. So I order them and when I received them, sent a check for {$6400.00} to XXXX XXXX XXXX mid XXXX. The XXXX XXXX started to process the check onXX/XX/XXXX. OnXX/XX/XXXX I received a statement showing a reduce credit line. USAA refused to honor the check that was written that was being processed via the bank clearing house. I called USAA on the XXXX about this since it had an adverse affect and I had not received prior notice. I later received a letter ( dated XX/XX/XXXX) from USAA indicating the credit limit change. I believe that USAA in this case is not acting in a honorable fashion since the check was written and was being process before the change and show have been honored. I would not been upset if the change had occurred beforehand. Refusing to honor this check will cause me financial harm due to the higher interest rate I now have to paid on the remaining balance. I am addressing the problem with my credit score via an open complaint previously filed ( XXXX ) that is awaiting resolution. <P/>I am disappointed because USAA normally does an excellent job in the many services they provides to me and others in my family. It about fairness and timing and continuing your high standard across the board.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: PA
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:
There was several accounts on my file that i did not authorize of have any knowledge of. I sent several letters in certified mail and received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: Self Lender Inc
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
This is a formal complaint about a 30 to 59 -day late payment appearing on my credit report. I am aware that being 30 to 59 days late is significantly worse than being 60 days late, and I was careful not to let that happen. This inaccurate reporting is penalizing me unfairly and illegally ; and this is causing me distress as it is damaging my credit score.  For the month of XXXX I Have Paid As Agreed In Full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: EQUIFAX, 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:
equifax, XXXX and XXXX  have inquiries on my credit report. that are not mine. 
INQUIRES : 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, XXXX XXXX, XXXX/XXXX  XXXX  XXXX, XXXX/XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, a fraudster hacked into by business checking account ( Truist ) and wired out ( {$8100.00} ) ( {$9800.00} ) and then again ( {$9800.00} ) using a new email address he or she created in my account to authorize the transactions. The bank gave me no notice this was happening and used no reasonable method to authorize the transactions. 

This then happened again onXX/XX/XXXX with amounts of ( {$8100.00}, {$11000.00}, and {$7800.00} ) which made my account balance {$0.00}. Again, no red flags or authorization from my husband and I who manage these accounts. Since my husband and I were locked out of the account- we called the fraud dept and waited on hold for an hour but could not get a hold of anyone. The bank later stated that the phones with the fruad department were down at that date and time. 

We went into the branch because we were locked out of our account on Friday XXXX XXXX and saw that the funds had been stolen. We immediately instructed the bank to flag these transactions as fraud and take the necessary steps to get the money back. 

It's been 15 business days after the funds were stolen and there is no update from the bank. I did all the necessary reporting to the local and federal authorities on the issue and made a claim with the commissioner of banks in North Carolina. I have also sent many emails which yield no response. I have also contacted ( called ) XXXX XXXX from Truist almost every day since I was notified she is supposed to be my point person from Truist on our case and I have never gotten a call back. I will enclose the only formal response I have from the bank- which does not state much. I just received this today. 

Also- I'm repeatedly told from Truist that they ( did not ) and do not have to submit CTRs to XXXX . I believe they are legally responsible to submit a claim. Wire fruad is a federal crime and they may be delaying the FBI 's response by neglecting to give them necessary information regarding this massive theft.

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 2017-06-02
Company: Eagle Home Mortgage, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX/XXXX/17 Eagle Mortgage loan officer XXXX XXXX. said I pre qualify for {$100000.00} Conventional loan, and {$100000.00} FHA. XX/XX/17 Did Rapid Rescore with XXXXXXXX17 was told by XXXX rescore is back did n't increase score so the loan amount has to go down to {$80000.00}. Asked XXXX for pre-approval letter on XX/XX/17 re-requested it on XX/XX/17. An offer was put on house on XXXXXXXX17 started working with XXXX XXXX.I was told they could no longer keep my previous approval, and I had to put a bigger down payment of {$150000.00}. received loan disclosures on XX/XX/17.My loan amount was lowered again to {$75000.00} was told they where trying to keep me in the {$700.00} range. I was already quoted {$100000.00} by XXXX to stay in the {$700.00} range.On XXXX17 received loan disclosures. Did not sign was uncomfortable.XX/XX/17 Me, and realtor XXXX XXXX went into office so they can explain them.XX/XX/17 Turned in all requested documents to XXXX was told everything was good.XX/XX/17 received approval commitment letter from XXXX XXXX17 received call from XXXX asking questions about documents XXXX We already went over and she said was good.XX/XX/17 XXXX told XXXX my son birth certificate was needed. XXXX faxed it in that day. XXXX/XXXX/17 XXXX called said loan is denied due to sons income not continuing for 3 years, his birthday being 1 month shy.If I could get a co-signer? I would need one to get approved. XXXX/XXXX/17 had to inform listing agent loan was n't approved. She called XXXX XXXX, and he told her I filled out the wrong birthday on application. I was never asked to fill out a application, I never filled one out. Nor sign one. Somebody in that company committed fraud by submitting an application for me. with the wrong information. Nobody asked me how old my son was. My name is being defamed by XXXX telling the realtor. I put information on an application I never filled out. That company has committed fraud, and defamation. My loan was denied because of the way they handled my loan. We started this process in XXXX. that 's when the application process should of started. They were doing my rescore, and I had turned in income verification, and bank statements. So they knew I was applying for a loan through them, but never offered me a application to sign. So there is no record of a date. XXXX lied on me. By saying I put the wrong information. Making me look like. I lied, or tried to commit fraud. I was putting in over half of the money for the house.It is my judgement the way they handled my claim. I do n't believe they were really trying to give me a loan, and waited 2 weeks before closing to tell me I 'm denied. After they said I was approved. I feel discriminated against because I am a XXXX XXXX women. I have records of our conversations if needed.

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 2022-03-20
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: Student prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I been trying to talk to NetSpend and to serve about my refund and NetSpend about my government and school loan they keep sending me cards idk why there's nothing in them and I keep getting emails there's funds but wen I call they lick me out I am profound XXXX  it's hard to talk on phone idk what to do please help me find out were all my money please

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 2022-03-20
Company: EQUIFAX, INC.
State: CO
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 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 an account without my written instructions and also the creditors reported inaccurate financial information about me.

Company response to consumer: Closed with explanation