BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-17
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted my loan servicing Specialized Loan Servicing on XX/XX/XXXX, to request the identity of the investor of my loan. We were told the request had to be in writing, and were given a fax number to submit the request to. The fax was sent at XXXX PST on XX/XX/XXXX. We were told to allow 24-48hrs for the request to be updated in their system in order to get the information. I called them on XX/XX/XXXX to follow up, and was told the information we had been given previously was incorrect and, per their policy and at the lenders request the information would not be provided for 30 BUSINESS days. According to the CFPB website : " If the request asks for the identity and address of the investor ( owner of the loan ), the servicer must provide this information to you within 10 business days of receipt of the request '' Additionally, each person we spoke with ( 3 so far in total ) are all rude, combative and obstructionary. It 's evident they have all been trained to not give any sort of help, information or guidance when it comes to information about the lenders, like it 's some big secret.

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 2022-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 rewards from credit card

Complaint:
I have a Capital One Venture card and have been saving up my travel miles to book hotels and flights through Capital One travel. I booked a 3-night hotel stay at the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Confirmation : XXXX ) for 3 nights. Unfortunately my XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX and as a precaution I contacted Capital One Travel to cancel. I cancelled 48 hours prior to our trip and XXXX at Capital One and he told me that he couldn't cancel but if the hotel approves it they would issue a complete refund. I spoke with a lady named XXXX at the XXXX who approved the cancellation. I called Capital One back and spoke with XXXX and his supervisor XXXX who confirmed that since the Hotel approved it Capital One would be able to apply for my refund. They told me they would call me back but if I didn't hear from them to call back in 2 days. I never heard back within 2 days so I called back and spoke with XXXX who said the refund was still pending and to call back in 2 days. I called back and spoke with XXXX XXXX said the same ). Called back in 2 days and spoke with XXXX XXXX said the same ). Then called back in 2 days and asked to speak with a supervisor named XXXX who said the refund was denied. I asked why it was denied, she said its because the Hotel never approved it. I told them they approved it on my first call close to 2 weeks ago. After 1 hour waiting on the phone they said they had to file another claim for approval after speaking with the Hotel again. Meanwhile, although I cancelled within my time frame because of due diligence to prevent anyone XXXX XXXX I still have yet to be refunded. Capital One Travel is not practicing proper ethics. They advertise that they handle bookings when they are at the mercy of a third party agency. If you're planning on traveling or booking DO NOT USE CAPITAL ONE TRAVEL. In the event you need to cancel due to an emergency you will not receive customer support or a refund.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
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:
On XXXX XXXX 2017, Equifax gave access to my report, along with millions of others, unauthorized to an unknown 3rd party. They offer the standard freezes, but no substantial help for people they are supposed to protect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Transunion will not supply me my REQUIRED, FREE Report online.

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 2021-08-24
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: Their investigation did not fix an error on your report

Complaint:
I sent by certified mail on XX/XX/XXXX requested to remove 4 unauthorized ( see below ) inquiries and a collection ( XXXX XXXX XXXX  ) that should not be on my credit. The XXXX XXXX  only shows on my TranUnion and not on the other two credit bureaus. Under the FCRA and FTC Laws, all information must be accurate, no errors and verifiable. There investigation did not show me where I have signed any authorizations approving these action. Please have TransUnion remove these errors because their investigation did not provide any accuracy. This information that appears on my TransUnion report is not mine and must be removed immediately. 

XXXX Inquiry from XXXX XXXX, XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance XXXX/XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank

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 2017-07-03
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I filed a chapter  XXXX . It was discharged. I sent paperwork to Navient showing the discharge. They put my loans back in repayment mode. I had to ask for a forbearance. They have improperly directed me into the forbearance. I was not properly informed of deadlines.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I signed up for a Citibank card at Best Buy with an 18 month promotional balance ( XX/XX/XXXX ), though it is a card that can be used anywhere. I was informed that cash rewards would be credited to the account. I never received any rewards. I paid off the promotional balance ( as of XX/XX/XXXX ) and began using the credit card ( as advised in order to receive rewards ). After the 18 month promotional balance, I was charged interest as though the promotional balance had not been paid off. I contacted the company on 3 separate occasions, first to understand why I was charged such an outrageous amount of interest, then to prove to the company that I had paid the promotional balance, and lastly, to inquire about closing/freezing the account. Customer service was incredibly rude and offered no options for correcting this. They informed me that they could not see prior to the past 6 months, but then told me that the promotional balance was never paid ( seems difficult to see if they can only see the last 6 months ). I am now waiting 8-10 business days to receive all statements ( paper ) since the account was open to present back to the representative.

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 2021-08-24
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
MyFedLoans was contacted regarding credited number of payments under IBR/PSLF ( Income Based Repayment/Public Service Loan Forgiveness ). They currently have credited my account 8 payments, but prior to the 8, they had me credited as 13.

They recently " reviewed '' the account and replied that the 8 is correct without any explanation and marked the account as closed.

They didn't explain the discrepancy or why my first two years of payments weren't credited when based on my plan, the amount was {$0.00}.

They were also supposed to credit 25 months from XX/XX/XXXX-XX/XX/XXXX where I worked for a XXXX XXXX in my area.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: Fairway Independent Mortgage Corporation
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Put offer in on XX/XX/XXXX that was accepted. Our mortgage lender XXXX XXXX started at XXXX XXXX and switched over to capital mortgage which is where our problems began. We have sent all of our documents twice and XXXX is not helping or responding to our phone calls or our emails. And does n't work past XXXX and definitely not on weekends our close date was supposed to be XX/XX/XXXX it is now XX/XX/XXXX and they are now saying 2 weeks after our first appraisal saying we need another just today. Talked with his boss who is not helping or not concerned about how XXXX has behaved. XXXX also sent me a text message with lips after I was getting upset so he does n't need to answer my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XX/XX/XXXX late payment XXXX XXXX account Good afternoon and I hope all is well when you receive this email. I am writing to you in reference to an ongoing issue my husband and I have been dealing with, with XXXX XXXX. You see my husband is a XXXX XXXX % XXXX veteran who suffers from severe XXXX and a XXXX XXXX XXXX. I am his legal care taker and take care of all his finances as well. We have a XXXX XXXX account and over a year ago I had called the service dept to change the email from his to mine since we were set up for email statements. I had n't used the card for most of that year and did n't honk anything of it. I had used it back in XX/XX/XXXX I believe and was under the impression from your service dept that the email on file was mine from months prior contact with them. We get a phone call stating the payment is late, in which I had responded I had never gotten an email. They looked into it and said ny husbands email was on file. I know that it was overlooked on both sides and I should have followed up again when I initiated the original change. It slipped my mind and we were late. I asked if we could be forgiven for it and the customer service rep XXXX spoke to her manager and told us we would fine. That they reversed the late fee and that they would send an electronic notice to the credit agencies within 30 days. That was never done. I called today and spoke to a manager XXXX I believe, she told me nothing could be done because it was n't a banking issue. I expressed to her the issues and injuries my husband has and how it was supposed to be changed to my email address a year prior. She did n't want to hear it. I also told her XXXX made it clear that she got approval from a manager to fix it. That it 's on recording and XXXX said " even if it is there is nothing they could do. '' Im asking if you can please help us fix this issue. It is negatively affecting our credit and we are trying to purchase a home through the VA. Is thee anything you can do to help us? We appreciate

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 2021-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello again, and to whom it may concern, I'm still having difficulties with TransUnions regarding inaccuracies on my credit report. I've sent out multiple letters asking for the details of the investigation regarding how they " verified '' an account that clearly isn't mine and its been past 30 days and I'm not receiving anything through the mail, email, phone call nothing. I know they received my letters by now and it's almost XXXX and I sent these disputes out the 3rd week of XXXX. Please help me because they are not taking my situation seriously and their ineffectiveness to report 100 % accuracy on my credit report is not only hurting my credit but its causing me to have to pay higher interest, I can't get approved for home or car loans, can't obtain new credit etc. I'm ready to file a complaint with the XXXX XXXX XXXX if this keeps up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: CL Holdings LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Jefferson Capital System, has charge me for a account that was already paid out and this is an extortion and it need to be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is no need to forward comments to the agencies. I am not disputing debt. I am showing valid, legitimate proof or reporting errors. According to the CFPB, i have a right to have an error free credit report. I DO NOT HAVE THAT. I am sending you information directly from my credit report, with errors annotated to be clearly visible. 
One of the reports will be with USAA. This has been filed previously, with no result. I am not disputing debt. I am proving reporting errors from four major corporations.

USAA is still reporting a debt from XXXX. This debt was sold in a charge off. They have made numerous changes, from closing and reopening the account, to re-reporting different information. Notice on the credit report where they placed an OK block in XX/XX/XXXX. 
Next, XXXX XXXX. Notice three specific line errors, specifically with 30 60 90 day reporting, not matching up with lined monthly totals. XXXX also just changed the monthly on time payment percentage going from 15 to 73 percent, this dropping my XXXX score XXXX points. This was also only posted after I sent them certified mail showing them their reporting errors. I feel this was malicious, vindictive, and meant to harm my reputation. 
The third report concerns XXXX, an auto finance predatory loan company. There are four line item discrepancies, and no remarks about status of vehicle. I voluntarily traded this auto for another vehicle at a dealership, with the dealer contacting XXXX  to inform them of my surrender. Notice monthly pay reporting is not reported correctly. 
Fourth, is XXXX XXXX. This tradeline has three specific reporting errors. Most notably three different reporting dates, among other errors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XX/XX/XXXX late payment XXXX XXXX account Good afternoon and I hope all is well when you receive this email. I am writing to you in reference to an ongoing issue my husband and I have been dealing with, with XXXX XXXX. You see my husband is a XXXX XXXX % XXXX veteran who suffers from XXXX XXXX and a XXXX XXXX XXXX. I am his legal care taker and take care of all his finances as well. We have a XXXX XXXX account and over a year ago I had called the service dept to change the email from his to mine since we were set up for email statements. I had n't used the card for most of that year and did n't honk anything of it. I had used it back in XX/XX/XXXX I believe and was under the impression from your service dept that the email on file was mine from months prior contact with them. We get a phone call stating the payment is late, in which I had responded I had never gotten an email. They looked into it and said ny husbands email was on file. I know that it was overlooked on both sides and I should have followed up again when I initiated the original change. It slipped my mind and we were late. I asked if we could be forgiven for it and the customer service rep XXXX spoke to her manager and told us we would fine. That they reversed the late fee and that they would send an electronic notice to the credit agencies within 30 days. That was never done. I called today and spoke to a manager XXXX I believe, she told me nothing could be done because it was n't a banking issue. I expressed to her the issues and injuries my husband has and how it was supposed to be changed to my email address a year prior. She did n't want to hear it. I also told her XXXX made it clear that she got approval from a manager to  fix it. That it 's on recording and XXXX said " even if it is there is nothing they could do. '' Im asking if you can please help us fix this issue. It is negatively affecting our credit and we are trying to purchase a home through the VA. Is thee anything you can do to help us? We appreciate

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 2017-08-17
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a loan for a XXXX dollars at Speedy Cash. I lost my job and fell behind. I got another job and they had already sold it to XXXX XXXX XXXX. I paid them XXXX now XXXX XXXX refuse to remove this from my credit. I have called them and they stated that they are not able to remove it. They are still reporting that I owe them. This is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
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:
My personal data including SSN was compromised in the Equifax security breach. They did not properly secure my personal information, and therefore made me significantly vulnerable financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: EQUIFAX, INC.
State: SC
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:
Greetings, I am unsure why the cases are still opened but the investigations have been completed on my end. However they were dismissed and investigated how they should have been by law. My rights have been violated. Please see attachment for more details or these violations and account numbers. Please allow a human to read the attached letter to receive a resolution. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Greetings, I am unsure why the cases are still opened but the investigations have been completed on my end. However they were dismissed and investigated how they should have been by law. My rights have been violated. Please see attachment for more details or these violations and account numbers. Please allow a human to read the attached letter to receive a resolution. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
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: Account status incorrect

Complaint:
XXXX XXXX  is currently reporting that my loan is 180 days past due and that I owe {$260000.00}. None of this information is correct. My loan is not past due as I just complete a loan modification and made my XXXX payment. On my statement dated XX/XX/2022, it is showing a balance of {$220000.00}. I made a payment XX/XX/XXXX, so the current statement is not reflecting that. I have called XXXX XXXX  several times but can not get through to anyone due to their lines being down. The erroneous information has caused my credit score to drastically drop, I am in the process of refinancing my home due to all the issues I have had with XXXX XXXX and their reporting has halted my chances of that of happening, I need this information corrected immediately.

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