BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Recently, I did an investigation on my credit report which coused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2021-03-16
Company: West Coast Servicing, Inc.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
West Coast Servicing took over our 2nd mortgage last year from about 5 lenders before them. They have file proof of claim as the owner of the loan. However, we have no contract with them and wanted to know if they are a legitimate company. 

They have filed a Notice of Default and continue to charge us interest and fees starting from XXXX. We have filed bankruptcy and is pending confirmation. However, the fees and interests are piling up causing us more stress. 

We wanted to know if they are the owners of the loan, and if so how they acquired the loan last year and what steps did they do to offer refinancing or loss mitigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Under The New Rule REGULATION F Which Took Effect XX/XX/2021 *15 USC 1681a 2 -Exclusions ( a ) ( i ) is a subsection of the Fair Credit Reporting Act that clearly states Any report containing information solely as to transactions and experiences between the consumer and the person making the report.

*15 USC 6802 is a section of the United States Code that outlines the obligations of financial institutions with respect to the disclosure of personal information. 15 USC 6802 outlines the " Opt Out '' requirements for financial institutions when disclosing nonpublic personal information to nonaffiliated third parties.

Financial institutions are required to clearly and conspicuously disclose to the consumer, in writing or in electronic form, that their personal information may be disclosed to third parties. The consumer must be given the opportunity to direct that their information not be disclosed and must be provided with an explanation of how they can exercise that option.

*15 usc 1681b ( a ) ( 2 ) is a section of the United States Code that outlines the permissible purposes for which a consumer reporting agency may furnish a consumer report. In general, a consumer reporting agency may furnish a consumer report only under the following circumstances and no other : 1 ) The consumer must give written authorization, and I did not and will not give any creditor the right to add negative, inaccurate and injurious information to my consumer 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 2023-07-24
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Truist Mortgage Company owes me {$1100.00}. We closed on the sale of our home on XX/XX/2023. On XX/XX/2023 they took out this amount through autopay. I contacted them the same day and they confirmed that the loan had been paid in full on XX/XX/XXXX and that I would receive a check for the remaining escrow but this issue would take a few weeks to fix and send that check. It was just an error with the payment coming out so close to the final pay out. On XX/XX/XXXX, I contacted them again as I still had not received the check for {$1100.00}. I had received our escrow refund so they have all the info to make sure I get the money. I spoke with XXXX from client services this time and she said she could see that they took the money out but I was going to have prove that it was actually taken out of my account and then gave me this email address XXXX. This email address seemed fishy to me and I expressed that I feel like they were trying to keep the money they owed me. I sent them the info to that address anyways and, as of XX/XX/2023, I still haven't been contacted with a solution. At this point I think I am a victim of theft by Truist Bank. My next step is to hire a lawyer. I am a XXXXXXXX XXXX XXXX XXXX XXXX XXXX and trying to get a new home for my family and need this money during this difficult period of transition. Truist doesn't even care enough to contact me.

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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2023-06-16
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
There was a car rental in XXXX where I was given a different car than what I purchased for the rental. This was after the contract was filled. I have tried for years to get XXXX to properly investigate and credit me for this. They always say they will respond, they are checking, they are reviewing, but they double-billed me for a charge that should have NO billing at all. They are breaking their own T+C, and the law, by aiding and abetting criminal fraud ( the rental counter took my card without my consent to ring up the charge ) in order to increase their profits and " mitigate risk. '' They have also deleted private messages I have shared with XXXX about this, which is illegal as they then say they never received my messages. But I have screenshots. Anyone else who has been through this issue can feel free to contact me to discuss.

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 2021-04-10
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021, I purchased a XXXX from XXXX XXXX on Amazon with my Amazon Store Credit Card ending in XXXX. On XX/XX/2021, I received the walker which was defective. I contacted the Seller, XXXX XXXX, requesting a refund and after a couple of weeks they finally responded and they issued a return label for me to return the item, refund. On XX/XX/2021, the item was picked up by XXXX and returned to XXXX XXXX. After NOT receiving my refund, I contacted Amazon Store Credit Card and started a dispute. After Amazon Store Credit Card did NOT respond to my request for dispute, and each time I called them I would receive a call center representative in XXXX who would NOT resolve the problem, I sent them a letter via FAX ( see attached fax receipt ) and via Certified Mail ( see attached letter and certified mail return receipt verifying they DID get my letter ). I contacted Amazon support where I purchased the item off of and they sent me an email stating that the refund was issued XX/XX/2021, after I had disputed the item with Amazon Store Credit Card, however it was not and has NOT posted to my Amazon Store Credit Card account. Even after I sent a letter via fax and certified mail with return receipt ( attached herein ) and several weeks have passed since XX/XX/2021, since I first started a dispute, STILL my refund has NOT posted to my account after several weeks. I am making this CFPB complaint because Amazon Store Credit CARD refuses to cooperate in posting my refund of {$150.00} to my credit card account and every time I call or email I am stonewalled by representatives of Amazon Store Credit Card. I am requesting that my refund of {$150.00} be posted to my Amazon Store Credit Card account as soon as possible without any more stonewalling.

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 2021-04-10
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Novad Management Consulting LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/XXXX I received a 1099-C Cancellation of Debt from NOVAD MANAGEMENT CONSULTING LLC, in the amount of {$68000.00} in which I have had to file on my tax return as income for XXXX. NOVAD MANAGEMENT CONSULTING LLC is stating that my payoff amount is in the same amount that I received for the 1099C, {$68000.00}. In XXXX I decided to put my house on the market and closed escrow on XX/XX/XXXX. The escrow company is holding funds in the amount of {$75000.00} until this issued is resolved with NOVAD MANAGEMENT CONSULTING LLC. I have called NOVAD MANAGEMENT CONSULTING LLC serval times in attempt to resolve this situation. I need a XXXX  balance payment statement so that my funds are released. It has been almost two months and enough time to have straighten things out. I called on XX/XX/XXXX and spoke to XXXX, on XX/XX/XXXX and spoke to XXXX, on XX/XX/XXXX and spoke to XXXX, and XX/XX/XXXX and spoke to XXXX, on XX/XX/XXXX spoke to XXXX in which XXXX XXXX back from HUD and said that he would escalate to the supervisor, and XX/XX/XXXX and spoke to XXXX. Each time I called I waited for over an hour and told the same story six times. The only email I received was on XX/XX/XXXX with the wrong payoff amount for {$68000.00}. I have not heard NOVAD MANAGEMENT CONSULTING LLC even after calling them five more times. The Escrow company has also reached out to them. I am stressed and need I help, Please!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL. XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX Dear XXXX XXXX, I hope this letter finds you in good health and high spirits. My name is XXXX XXXX XXXX, and I am writing to you as a concerned customer of your esteemed company. I had been a patron of XXXX XXXX carrying a XXXX XXXX and have always held your services in high regard. 

I am reaching out to you today in a second attempt, to bring to your attention an issue that I recently discovered on my credit report as I am reviewing my profile in debt. I believe this matter requires your immediate attention as it pertains to an entry that inaccurately reflects my financial history with XXXX XXXX. 

Specifically, the issue revolves around a charge off that was paid in full, XXXX of XXXX. However, to my surprise, my credit report continues to state that this charge off remains active as of XX/XX/XXXX. I must emphasize that this discrepancy is not only misleading but also potentially damaging to my creditworthiness. 

Given the substantial impact that credit reports have on individuals ' financial lives, it is imperative that they accurately reflect the financial status of consumers. I trust that XXXX XXXX takes its commitment to fair and transparent practices seriously, and I am confident that this situation can be resolved promptly. 

I kindly request your assistance in rectifying this matter. I believe that a correction to my credit report, reflecting the accurate status of the paid charge off, is the fair and just course of action. Additionally, I request that you communicate with the relevant credit reporting agencies to ensure that this correction is reflected accurately across all platforms. 

I understand that administrative errors can occur from time to time, and I have every confidence that your team will address this issue with the diligence and professionalism that XXXX XXXX is known for. 

I appreciate your prompt attention to this matter. I am confident that, with your support, we can resolve this discrepancy swiftly and amicably. I look forward to hearing from you at your earliest convenience. 

Thank you for your time and consideration. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-04-08
Company: Experian Information Solutions Inc.
State: SC
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:
The following debts were sold to a collection agencies, two specifically yet still report bad debt with original creditor. All debts were paid and settled with collection agencies. 
XXXX XXXX XXXXXXXX  no. XXXX XXXX- acct no. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Digital-paid in full XXXX-acct no. 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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My name is XXXX XXXX. I A victim of identity theft a long time ago. After that incident there were incorrect and inaccurate items that appeared in my report. Please delete all of the following ACCOUNTS and INQUIRIES from my credit report immediately. Besides these items, also delete the incorrect names and addresses that I did not live in and names I do not go by. They are all a result of ID theft. Please remove these items which are not as soon as possible. Please see attached IDENTITY THEFT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17
Company: Block, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Company named Square, inc/Block , inc running a payment processing website for small business named XXXX few days ago, they deactivated my account and suspended XXXX of my transactions ( XXXX held and XXXX went through earlier ) those XXXX which had been held by them with the amount XXXX $ as they refuse to release them for the coming XXXX days under so called potential chargebacks or disputes. 

they offered a full refund option to my customers, but my customers refused to get refunded because their banks will charge them additional fees for the refunding transactions as the currency exchange rate by their banks changed to higher rates causing them to lose around XXXX XXXX of their money value if not more. 

I contacted XXXX XXXX support dozens of times through their live chat, calls and through other platforms for complaints like BBB as they replied with same answer " We keep them as a reserve for potential disputes or chargebacks ''. 

As for those XXXX transactions which went through, they indicated that they will charge any disputes or chargebacks to my bank account as I asked that the XXXX suspended transactions to be released to my bank account as if there was any disputes or chargebacks for the XXXX of them to be charged to my account but they totally ignored my request saying that the decision is final. 

Now, my customers are going to file complaints against me in person and my business and possible court lawsuits for not getting what they paid for " Package forwarding Service '' as I can't pay them out of my pocket which I also informed XXXX about with no action done by them to solve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: WI
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 am a victim of identity theft and the creditors below has fraudulent accounts on my credit profile that needs to be remove immediately ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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