BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-02
Company: PLANET HOME LENDING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I home is under contract to be sold and the mortgage company is not providing me the payoff amount in a timely manner we were set to close at XXXX and they will not release my payoff amount until XXXX XXXX. However, they continue to report to the credit bureaus of late payments. I have a buyer who is ready to pay cash and they will not release my information after requesting it many times. They keep changing the date and this is very frustrating and unfair.

Company response to consumer: Closed
Consumer complaint received 2017-02-24
Company: U.S. BANCORP
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
On XX/XX/2017 the US Bank branch manager, XXXX XXXX, refused me service. Although she claimed it was for not presenting valid identification, in reality it was because of my general appearance which she automatically interpreted as " homeless '' XXXX street clothes and a book bag. Evidently, " her '' bank automatically refuses services to anyone who appears or fits the description as " homeless ''. XXXX did n't know and did n't care that I 'm a XXXX who works to pay her own bills for her own apartment. She probably does not care that I will neither recommend nor refer any of my friends to the bank. XXXX has no place casting judgment onto anyone because she 's a XXXX XXXX in the banking industry who catches enough grief from everyone with whom she encounters.

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 2015-09-09
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
The Law Office of XXXX contacted my work after I specifically asked to not be contacted at office. They also continually contact my personal phone many times in one day. Often back to back calls.

Company response to consumer: Closed
Consumer complaint received 2016-04-11
Company: U.S. BANCORP
State: CA
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fraud or scam

Complaint:
I WAS GIVING A VISA DEBIT CARD WITH XXXX $ THE CARD DID NOT WORK I CALLED CUSTOMER SERVICE SHE Said TO READ THE XXXX DIGITS IN THE FRONT I TOLD HER THAT IM MISSING XXXX NUMBERS THEN SHE ASKED FOR THE NUMBER ON THE BACK GAVE IT TO HER SHE SAID YOU HAVE XXXX $ GO AHEAD AND USE IT THE CARD STILL DID NOT WORK I CALLED BACK THEY TOLD ME TO FAX A COPY OF THE FRONT AND BACK OF THE CARD I DID ONLY FOR THEM TO CALL ME AND TELL ME THE CARD HAS BEEN USED ALREADY NO EXPLANATION NOTHING

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Regarding claim # XXXX card was stolen, theft was reported in 48 hours, bank security measures failed to stop thieves from draining account or block card. Bank has received a signed affidavit I did not authorize the charges. Bank has received a police report. Despite clear law these are not legally required they were provided when requested and bank is using every measure possible to avoid obligations under federal law. If bank is behaving this way, they are doing the same thing to thousands of people and simply retaining the funds and assuming people do n't know the law or will simply grow tired of trying and give up. The bank is not the police. The bank is not allowed by law to police themselves and decide unilaterally whether a theft occurred or not. Instead of blaming customers, bank should augment its internal security measures on debit cards. I work hard for my money and I 'm not going to allow the bank to play games and waste my time when the law is clear. Bank has been reported to the XXXX and the OCC of the US Department of the Treasury. Also the continued responses on here that fail to answer why according to law the bank is retaining the funds are creating a pattern of evidence of clear illegal behavior. If institution can not employ adequate security measures on these cards, it 's their failing, not the customer 's.

Company response to consumer: Closed
Consumer complaint received 2016-03-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Carrington Morgage Service purchased the loan servicing of my mortgage from XXXX XXXX XXXX without notifying me of the change. I had paid the mortgage each month for years with a ACH withdrawal directly from my checking acct. When they presented the first withdrawal request to my bank in XX/XX/XXXX the bank processed the request and deducted the funds from my account. Three days later the funds were returned because CMS rejected the transfer. Neither the bank or CMS contacted me that there was a problem. In XX/XX/XXXX CMS presented another withdrawal which my bank honored. CMS accepted the funds this time and credited them to my XX/XX/XXXX payment thus showing my account 30 days delinquent. This process was repeared again in XX/XX/XXXX. At this point CMS had still not notified that there was a problem. Then in XX/XX/XXXX they did not submit a withdrawal request to my bank. I discovered the problem when I received my XX/XX/XXXX bank statement and an email from XXXX CMS had reported my mortgage 60 days delinquent. I contacted CMS and was told my bank had not processed their ACH request and that I was over {$4000.00} behind in my mortgage payments. I immediately sent them a check for the entire amount and followed a few days later with another check for approximately {$1700.00}. 
I then pulled my bank statements and found where my bank had in fact honored their ACH request. I have forwarded copies of those statements to CMS but they have ignored the information and continue to report I am delinquent in my payments to them. They refuse to provide me with any contact information other than a PO Box number. I have now sent them XXXX different letters explaining the situation along with copies of my bank statements clearly showing where they returned a ACH draw to my bank. They have ignored everything I have provided them and not only continue to report to the credit rating agencies I am 60 days delinquent but also to charge me late fees and refuse to accept future ACH payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: EQUIFAX, INC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been charged over XXXX XXXX dollars for schooling I never attended. I signed up for school, though I backed out, yet they still have sent me multiple emails, like XXXX a day for the past XXXX years, drummed up charges for classes I never attended, and ruined my credit. I have been permanently XXXX for the past XXXX years, have n't worked, and could really use some help from consumer finance. Thank you so much for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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:
called transition XX/XX/2023. 
talked to fraud department notified them of these UNAUTHORIZED inquires. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2015-05-02
Company: Residential Credit Solutions, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My complaint is against RCS Residential Credit Solutions , Inc, My loan was transferred to them few years ago, it has been a big headache until today. I loss my XXXX in XX/XX/XXXX I ask them to please help me to get a loan modification but they did n't help me, all my financial problems leading me to file a Bankruptcy Chapter XXXX, trying to re organize my debts making XXXX payment along with my mortgage payment. I have submitted a loan modification package on XX/XX/XXXX, I have called every week to the bank asking for my loan status and they just tell me is denied but I have nothing received in writing everything is verbal. Since my BK Chapter XXXX payment is {$1600.00}, my expenses are {$710.00} and my house payment is {$2900.00}. I am desperately looking for help, they can not answer my request for loan modification but they were really faster removing my house from the BK with a motion. They can not give me a trial payment but they send me an appraisal opinion to determine how much my house can be sold. I have lived here for over 24 years. I am not sure if they are going to provide me any solution this time, but I 'm pretty sure that I am not the only XXXX reporting the abuse of this institution to the borrowers. I have submitted my package again ( enclosed please find a copy ) waiting for a help, understanding and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: U.S. BANCORP
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had moved to another city XXXX XXXX - XXXX XXXX with minimum U.S Bank branches. I had called to close my bank account with U.S Bank. The Bank continued to charge my account with bank charges and overdrew my account and sent my account to collections for {$80.00} even when my account had been fraudulently used.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: FIRST NATIONAL BANK OF OMAHA
State: WY
Product: Credit card
Issue: Billing disputes

Complaint:
My complaint is against First National Bank Omaha. They have not sent me a statement in 3 months and have blocked my access to my online account. My username & password do not work & wo n't let me set up a new one. I have sent a payment, they claim they did not receive it. There was a {$500.00} credit to my account, and I can not find out if it is in my account or not because I ca n't see my account. they are pulling payments out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I 'm having some major issues with an outdated, past the statue from the XXXX and unverifiable account listed on my credit file. The accounts XXXX # XXXX - Outdated and no XXXX # XXXX Outdated and no XXXX # XXXX Outdated and no verificationCredit Protection # XXXX - Not even mine I have current service with XXXX and my account is always paid as agreed or they would cancel service

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The information on my credit report does not belong to me. The name, date of birth do not match mine. The false information has been affecting my life as a college stundent. I canoot get student loans, car, credit cards, or even rent an apartment due to the false information on the 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 explanation
Consumer complaint received 2016-02-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Hello, I am not certain this complaint is being posted in the correct area, but this is the closest area I could find related to my complaint. My complaint concerns the credit score reductions for no legitimate reason.Let me start by saying, I am not understanding why my credit score declines if someone simply inquires as to what it is. If my credit score is XXXX and someone runs my credit to see if I qualify for credit with them, it brings my score down XXXX points. Which now means my score is XXXX. This seems so unfair to me. A credit score should be diminished for failure to pay, slow payment, or bankruptcy. A credit score should not be decreased because someone inquires as to what it is. Example : : I decide to purchase a home, they run my credit, it is XXXX, borderline fair and poor. That lender is not meeting my needs and I decide to change lenders, and the new lender runs my credit and it has gone down XXXX points to XXXX which is now reflect the score as poor, which now means I ca n't get a house at all because my score has to be at least XXXX. I have not done anything wrong to cause this. I have not failed to pay anyone, or been delinquent with any payments. It 's as though you 're taking away my right to change my mind, and destroying my chance at home ownership just because of a credit inquiry. It does not seem to me that the services are making any money when a business inquires as to what your score is. If that is not correct, please enlighten me. This is a matter that needs some serious revamping, not later but as soon as possible. It is unfair to all consumers, whether the credit score is XXXX or XXXX. 
I will be sending this request for change to you every day until my voice is heard and also looking for other sources to voice my complaint to in the meantime. 


Thank you,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX XXXX 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 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 explanation
Consumer complaint received 2015-04-08
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint:
Our families personal information was recently compromised during the recent XXXX XXXX XXXX XXXX hacking. We would like to verify that no fraud has occurred on any of our accounts, to include our children 's. Yesterday I received a telephone voice mail from the following number : XXXX stating that if I did not call back legal action would be taken against my name. I XXXX this issue and it appears that other people have gotten a call from these people as a " XXXX '' scam. Needless to say I did not return the phone call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-24
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I settled an account with XXXX 8 years ago and it is still coming up as negative on my credit report. What can I do to have this removed?

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 2016-08-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have never lived at, owned property or received mail at XXXX XXXX in XXXX, Arizona.

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 2022-09-30
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX, 2016 I went online to my bank account with BBVA Compass Bank, XXXX XXXX, CA. I observed that I had charges that had been deducted from my account that I had not made. I immediately telephoned my bank and was told by the first representative, who was in XXXX XXXX, that I should contact the vendor about these charges. I was appalled that I was not referred to the Fraud Department and instead was told that until the charges left the Pending category and moved into Posted that I would not be able to dispute the charges. Today, XXXX XXXX, 2016, XXXX of the charges have posted. I again called the bank and was referred to Disputes. I was also told that it would take 10 business days to return my funds to my account. I would like to file a complaint because I feel this is extremely unfair that a consumer must follow rules and regulations that are obviously in favor of the banking institution. My bank gets to float on my money. I find this unacceptable. When I use my debit card, charges are immediately taken out of my account. If I get a credit for charges placed on my debit card the bank gets to float on my money until they decide to return said funds. Again, I must complain that this is unfair to the consumer, me, and I want to make a formal complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-22
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I filed an dispute with Experian and advised them that hard inquiries on credit reports are removed two years after the anniversary date. Experian never gave me a response. The following inquiries are past the two year date : XXXX XXXX/XXXX/2013, XXXX XXXX/XXXX/2013, XXXX XXXX XXXX XXXX/XXXX/2013, XXXX XXXX/XXXX/2013, XXXX XXXX/XXXX/2013.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I contacted XXXX and received a response from XXXX XXXX XXXX which I assumed is XXXX parent company.They could not or would not give me information on the reason they ask to see my credit report. I never heard of XXXX. XXXX XXXX XXXX advised me to have the credit reporting agency ( EXPERIAN ) investagate this but they should have know why they inquiried my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have filed several complaints with XXXX, XXXX & Experian in regards to information from a creditor in regards to some medical bills that I am not aware of from XXXX XXXX XXXX in XXXX, MI. I have filed several complaints with the creditor and credit bureaus with no success in having them removed. I have been doing the run around game with the credit bureaus since XXXX of 2016. and they refuse to fix the problem.

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 2016-10-21
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I contacted Experian over the telephone to discuss an item which was on my credit report.The item in question is State of Michigan Office Child Support, I originally talked to one of their customer service reps about this item and they had stated that this item was placed on my credit report due to lack of payment which I am not disputing I was sick I had XXXX and I did not pay for two to three months this was XX/XX/XXXX.How could this still be on my credit report. When I viewed my credit report it states that the payments begin becoming late XX/XX/XXXX and XX/XX/XXXX that is incorrect I have paycheck stubs to prove that during this time they garnished my wages for the amount due for the weekly child support.So in fact if it is XX/XX/XXXX it has been on my credit report for over 12 years which I can prove and it should be deleted 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 explanation
Consumer complaint received 2016-05-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I disputed multiply addresses on my report that i haved never lived, and they wont come off.

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 2015-12-03
Company: Investment Retrievers, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I disputed this account with this company and received some stuff which provides me no evidence of when the date of last activity was. This XXXX account is very old and past the statute and this company has re aged the account because they purchased it which is violating my rights.

Company response to consumer: Closed with explanation