BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
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:
A complaint ( XXXX ) was submitted on XX/XX/22 along with an ID Theft Report and request to block and delete info pursuant to 15 USC 1681c-2 . On XX/XX/22 I called TransUnion to get status after receiving an update thru the CFPB.The agent I spoke to said that they would NOT be honoring consumer law, 15 USC 1681c-2 because they did not like the initial identity theft report that I submitted. She said it was incomplete ( which I dispute ) although it very clearly stated which accounts were involved with identity theft and I provided proof of my identity, a copy of the ID theft report, and provided a statement indicating that the information is not info relating to any transaction by the consumer. ( see attached ) The agent told me that their process would take about 30 days and I would receive notification in the mail. The fact that this agent blatantly refused on behalf of TransUnion to process my request under 15 USC1681c-2 is a very clear violation of this law and indicates Civil liability pursuant to 15 USC 1681n . I have resubmitted all paperwork, including an updated Identity 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 2022-10-16
Company: Experian Information Solutions Inc.
State: GA
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Bank of America denied me of an home equity loan {$25000.00} when I the creditor was exercising my right in good faith with the Equal Credit Opportunity Act ( Regulation B ). When the denial letter was delivered it also stated the Discrimination against me by Bank of America due to them using information of my credit from an agency and not a bureau. I provided them with the signature and social security, etc. and upon request my credit should be given to me and not denied. This was explained to several of the home equity loan supervisors but they continue to discriminate against these laws. Adverse action letter was sent XX/XX/2022 at XXXX by financial manager XXXX XXXX XXXX but these laws are still not complied with by Bank of America- 12 CFR Part 1002 ; 12 CFR 1002.7 ; 15 USC 1681m .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Caliber Home Loans has repeatedly wrongfully assessed a late fee. I send all payments via USPS Priority Mail with signature required. Despite proof of receipt on XX/XX/2020 at XXXX XXXX. Caliber Home Loans sent my account to collections and assessed a late fee on my XX/XX/2020 statement. The receipt date for processing according to Caliber is XXXX on the XXXX. 

I have USPS signatures on all payments made to Caliber Home Loans, including 5 others in which Caliber Home Loans has assessed a late fee. I have previously requested from Caliber the ( 1 ) month, year of the alleged late payment, ( 2 ) date the payment was allegedly received by Caliber Home Loans and ( 3 ) date Caliber Home Loans processed the payment. Caliber has never provided the requested information. 

I made the request again to Caliber Home Loans in my XX/XX/2020 letter. 

I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: GA
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:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. 
Experian To Whom It May Concern, I have reached out to your corporation on numerous occasions asking you to validate the validity of the accounts that are reporting on my consumer report. After each contact, your company has noted these accounts have been verified and updated on my consumer report. Your company has refused and or failed to provide me with your investigation process. By law, you are required to investigate anything that is furnished on my credit report. I have requested for the method ( s ) of verification of the investigative accounts and how did the company come to the conclusion that these accounts are accurate? Congress found in the congressional findings that you are using an elaborate mechanism to determine my credit worthiness that is unfair and undermines my due diligence to extend my credit. After further research, CFPB released an article in detail that proves this company has not properly handled consumers disputes because proper investigations were not conducted extensively. With Experians misconduct, this has caused a strain on my personal life and has caused me hardship with extended my credit. Furthermore, I NEVER consented to this information being furnished and this infringes upon my right to privacy as a federally protected consumer. I am demanding this information be taking into consideration and these alleged accounts will be deleted from my consumer credit profile that you continuously updates. I will escalate this and hold Experian personal liable for their deception. Whoever willfully and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 


The following accounts will be deleted from my consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXa Without 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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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. 
XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXX 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 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 explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: MI
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: Investigation took more than 30 days

Complaint:
I've submitted three complaints with no response. the updated investigation is taking more than 30 days, I request that all three accounts be removed immediately following with a notice and update. please and 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 2022-10-24
Company: SYNCHRONY FINANCIAL
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: Public record information inaccurate

Complaint:
I applied for the XXXX XXXX XXXX XXXX XXXX  on Thursday XX/XX/2022 through Synchrony Bank. On my transunion credit report it is showing XXXX inquires when I only applied XXXX time. I contacted XXXX and they told me to contact the lender to get a deletion letter. I contacted Synchrony Bank and they said they only show XXXX inquiry and that they couldnt help me and told me to contact XXXX to get it removed and when I explained I had already contacted them they told me there was nothing they could do. Can you please help? Transition said I could also have a report from the FTC to get 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 non-monetary relief
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: NE
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. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX XXXX XXXX XXXX : {$50.00}, {$210.00}, {$80.00} XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX, ALL 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.

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 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 INCCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicer, Mr. Cooper, is supposed to pay my property taxes out of my escrow account. They sent my XX/XX/XXXX and XX/XX/XXXX tax payments ( {$1500.00} each time ) to an incorrect parcel number in XXXX County, California. 

I spoke with my county who advised me to have Mr. Cooper contact them and simply request a transfer of the tax monies from the " wrong '' account to my account. I communicated this to Mr. Cooper in a letter dated XX/XX/XXXX. 

Rather than having the tax payments transferred, Mr. Cooper levied a new charge of {$3000.00} against my escrow account on XX/XX/XXXX to pay the " missing '' tax payments. 
As a result, I received an escrow statement showing my escrow account had a shortage of {$3000.00} and my monthly payment will increase by $ XXXX/month for 12 months starting in XXXX of XXXX (? because of a {$1400.00} shortage? ). 

1 - I sent my First Notice Of Error letter to Mr Cooper on XX/XX/XXXX. 
2 - No indication in any Mr. Cooper paperwork that I am due a refund in order to make my escrow account whole and as it was before their errors. 
3 - Only acknowledgement and response from Mr. Cooper so far is XX/XX/XXXX acknowledgement of original letter stating that I would receive a response from them by XX/XX/XXXX. XX/XX/XXXX response letter stated I would receive a response by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Home Loan Center, Inc.
State: GA
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:
I went to XXXX Credit bureau and they directed me to loans for mortgage, I looked at them but did not apply. This information I believe with Lenders is provided and they take that opportunity to try to make an application for the person looking at it. 

Lending Tree actually sent me my fico score and then turn down as if I applied. 
I would have never applied as I am searching for a refiance and am talking over the phone with companies without opening up credit. 

this is a gimmick XXXX is using to sell to these Lenders to force lead generation without our permission. 

this is happening over and over again and I am going to file a legal complaint against their misuse of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: EQUIFAX, INC.
State: NJ
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/2020 I 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 I'm 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 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation 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 2021-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
ON XXXX I Submitted a complaint to the CPFB- XXXX. On XXXX Transunion stated they would look into my compliant and will contact me within 30 days with a resolution. We're approaching 60 days with no response or resolution.

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 2022-12-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX XXXX XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX XXXX XXXX Balance {$1500.00} ; XXXX XXXX XXXX XXXX Balance {$630.00} ; XXXX XXXX XXXX  XXXX Balance {$690.00} ; XXXX XXXX XXXX Balance {$3600.00} ; XXXX XXXX Balance {$4500.00} ; XXXX XXXX XXXX XXXX Balance {$830.00} ; XXXX XXXX XXXX Balance {$2200.00} ; XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX ) XXXX Balance {$1100.00} ; XXXX XXXX XXXX ( Original Creditor Name : XXXX SPRINT ) XXXX Balance {$950.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX CT XXXX, CA XXXX ; XXXX XXXX WY XXXX, CA XXXX ; XXXX XXXX NA Inquired on XX/XX/2021 ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 ; XXXX XXXX Inquiry : XXXX XXXX, 2021 ; XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 ; XXXX XXXX XXXX : XXXX XXXX XXXX 2021 ; XXXX XXXX XXXX XXXX : XXXX XXXX, 2021 ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am notifying you of my intent to sue in the XXXX XXXX of XXXX XXXX. I have made several attempts to settle this matter with you personally, but to no avail you continued to violate my rights as a consumer and a natural person under God. I notified you about 15 USC 1692c ( c ) and to validate the debt pursuant to 15 USC 1692g ( b ), however, you failed to cease communication to credit reporting agencies and other third parties. You never properly validated the debt and failed to provide the verification that I requested. The responses you sent me will serve as proof that you have violated my rights as a consumer and a natural person. May I remind you that I have the right to be informed, the right to privacy, the right to be heard, and the right to redress. Your actions have publicly defamed me, including my credit worthiness, credit standing, credit capacity, character, and general reputation. You were supposed to exercise your grave responsibilities with fairness, impartiality, and a respect for my right to privacy. Due to your unfair practices, I have lost confidence in XXXX XXXX XXXX. I am suffering from XXXX XXXX XXXX XXXX XXXX all in which I am currently seeking counseling for. The number of damages you have caused me is unbelievable. You are civilly liable to me for such damages pursuant to the FDCPA, FCRA, and The Gramm-Leach-Bliley Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am filing a Complaint against Synchrony Bank XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Utah XXXX Facts : In XXXXXXXX XXXX I paid in full {$120.00} for a bench press, from QVC. 

The debt was paid check number XXXX, Bank XXXX which was converted on XX/XX/2020 ; Serial Number XXXX ACH Converted Item. 

DESPITE ACKNOWLEDGING THIS DEBT HAVING BEEN PAID, TIHS BANK CONTINUES TO ASSESS LATE FEES, AND, HAVE DEFAMED MY CREDIT BY FALSELY REPORTING A DEFICIENCY TO THE CREDIT REPORTING AGENCIES., AND, AS A DIRECT RESULT, OTHER CREDIT CARDS ARE BEING CANCELED AND MY CREDIT LINE REDUCED. 

I CONTACTED SYNCHRONY MANY TIMES, THEY CALLED ME AND LIED TO ME AND TOLD ME THIS WOULD BE FIXED, AND, INSTEAD, THEY DID THE OPPOSITE, AND DEFAMED MY XXXX 

I HAVE CONTACTED THESE SCOUNDRELS NO LESS THEN TEN ( 10 ) TIMES, BUT, THEY JUST REFUSE TO FOLLOW UP, AND CHANGE THEIR NEGATIVE DEFAMATORY CREDIT REPORTING. 

THEY ACTUALLY HAD THE AUDACITY TO TELL ME THEY " WERE NOT SET UP TO RECEIVE PAYMENT IN FULL '', BUT THEY ACKNOWLEDGED THE DEBT WAS PAID IN FULL.. 

YOU CAN SEE BY THE VOLUME OF COMMUNICATIONS TO THEM, FROM ME, THAT THEY HAVE NO INTENTION OF FIXING THEIR MESS, AND, THEY WILL NOT VOLUTARILY DO ANYTHING, OTHER THEN TO CONTINUE TO DEFAME MY CREDIT. 

I ALSO SENT LETTERD AND EMAILS TO XXXX XXXX XXXX XXXX XXXX and XXXX Synchrony Bank Corporate XXXX XXXX XXXX XXXX, XXXX XXXX XXXXr, Utah XXXX, BUT, SHE IGNORED MY LETTERS AND EMAILS, DESPITE HAVING MADE XXXX XXXX DOLLARS LAST YEAR!!! 

I WANT MY CREDIT FIXED, AND, I WANT SYNCHRONY BANK TO STOP DEFAMING MY CREDIT. 

I AM ATTACHING MANY OF THE COMMUNICATIONS, SO, YOU CAN SEE HOW SYNCHRONY IS TREATING THIS LIKE A JOKE. I DO NOT FIND IT AMUSING. 

XXXX XXXX ATTORNEY AT XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2023-11-14
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: Information belongs to someone else

Complaint:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2022-12-29
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
For many years, XXXX XXXX has communicate her desire to avoid a foreclosure. She has asked for a loan modification or short sale. the servicer has changed many times and they are not cooperative. She asked for a loan modification and she was ignored. The Dodd-Frank Act says as long as there is 90 days prior to the sale the bank, or mortgage company or servcier is to provide a mortgage assistance package. They filed to do so even though repeatedly asked for such. Now, even though there was more than 90 days before the sale, yet again, and they were communicated the borrower 's desire to avoid a foreclosure and deficiency judgement, etc. the servicer is not cooperative with a loan modification or short sale.

Company response to consumer: Closed with explanation