BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$390.00}

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 2019-09-03
Company: Experian Information Solutions Inc.
State: IN
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 have a female put things in my name without my consent and without me authorizing and acknowledging, there are 2 credit cards in my name along with money from XXXX XXXX. I want them removed and deleted, I dont have access to a credit card, nor have i shopped and used one. I want this done and immediately i keep getting notifications from places that i never even shopped at. The girl had access to my info because she and I were dating and when we broke up she went on a rampage in my name because she was unable to do it herself which is not fair to 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 non-monetary relief
Consumer complaint received 2021-08-09
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Mom died XX/XX/XXXX. Dad, next of kin/beneficiary, is XXXX  and not up for XXXX until XX/XX/XXXX. Dad signed PoA to me, their son. Dad was payee to Mom 's life policy, a check dated XX/XX/XXXX in the amount of XXXX . Dad asked me to use the PoA to deposit the check in order to pay off the house where my grandmother and grandfather, both retired, my two younger brothers, and I live, so that we would be taken care of. Our ages are XXXX, XXXX, and XXXX. I opened the account, depositing the XXXX $ check with the following bank on XX/XX/XXXX : BB & T, now Truist, XXXX Branch, XXXX XXXX XXXX XXXX, XXXX Georgia XXXX. I had the PoA ready in case they needed it, but no one asked for it. Now BB & T has opened the account in my name but has frozen it and will not allow me access to the funds due to their bank policy, because my dad does not have a BB & T account. In the meantime, the check has cleared on the payor 's end so there is nothing they can do to help resolve this issue. During this time I drove to the XXXX branch several times to speak with the branch manager who was never available, called BB & T, my mom 's insurance company, and her insurance agent to help me resolve this issue. After a visit to the XXXX Branch on XX/XX/XXXX, it seems like the local branch had stopped even trying to resolve this issue. Finally, I called the corporate office on XXXX, they told me I would either have to get a lawyer or wait for my dad to get out of XXXX  in order to access the funds. But the account is in my name, so I am not sure how that will help. It has been well over 30 days, and BB & T is no closer to resolving this issue. It is possible they just don't know how to resolve my issue, is there anything you can do to help?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I encountered problems with accessibility to my funds in my Wells Fargo Bank, after I made mobile deposits. 

Here are the details in chronological order. : 1 ) Monday XX/XX/XXXX, I transferred funds from my IRA at XXXX XXXX Bank, to my checking account at XXXX XXXX bank, in the amount of {$5000.00}. 
I have documentation to prove this. 
2 ) After doing so, I wrote a check for mobile deposit to my Wells Fargo Bank Account. It is dated XX/XX/22 on the check, and posted XX/XX/22 on the online banking app. When I was in the process of making the mobile deposit, the Wells Fargo website stated that part of the funds would be available, the next day. 
3 ) When the funds were not visible in my account, I contacted Wells Fargo, and they stated the check was being held for " verification and processing '' due to insufficient funds. They never explained what this meant. I told them funds were available, and that my XXXX XXXX Bank shows that the money has been withdrawn, therefore it must be in Wells Fargo custody. 
4 ) They told me that my funds would be available in one week, after " verification and processing ''. Not even part of the deposit would be available before that- in direct contradiction of what is quoted in the mobile deposit process. 
5 ) Today is XX/XX/22, XXXX days after all of this transpired, and my {$2000.00} is STILL not available. I was told it would not be available until XX/XX/22, which is in fact 9 days after the deposit posted in my account. 

I am on a limited income, due to retirement. I have bills to pay. Groceries to buy. I can not afford to have money sitting in Wells Fargo for over a week, growing interest for them, while I am waiting to be able to use MY money, that shows up daily in my daily balance, but that I am not able to access. 
This is an unethical business practice, and as I said, it conflicts with the information given during the mobile deposit process.

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 2023-05-06
Company: Experian Information Solutions Inc.
State: TN
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:
When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness.This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. It's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. 
Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report.Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate.These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.

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 2021-08-08
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX received letter from State of California, Chief Deputy Attorney General, XXXX XXXX, who received complaint regarding PHH Mortgage practices disputing Loan Balance and Partial Claims. 
XX/XX/XXXX received letter requesting additional time to complete review of Loan Balance and Partial Claims Dispute. 
XX/XX/XXXX received letter stating an error was made with XX/XX/XXXX loan modification. The principal amount was {$21000.00} more and was obligated to sign a a Subordinate Deed of Trust for {$21000.00} therefore being double charged! Also advised all payments from XXXX need to be applied! And advised {$61000.00} ( {$40000.00} + {$21000.00} ) will still be owed to HUD!!! 
XX/XX/XXXX PHH reported correct Loan Balance amount of {$140000.00} to all credit agencies : XXXX XXXX  and XXXX. 
XX/XX/XXXX received payoff quote valid through XX/XX/XXXX in the amount {$180000.00}. 
XX/XX/XXXX received letter states all payments received since XXXX loan modification have been reapplied and the unpaid principal balance for this account is {$170000.00} as of XX/XX/XXXX. {$300.00} of outstanding late fees on the account, but they have been waived due to the re application delay. 
XX/XX/XXXX received payoff quote valid through XX/XX/XXXX in the amount {$180000.00}. 
XX/XX/XXXX Received a letter stating unpaid principal balance is {$170000.00} and HUD Lien for {$40000.00} and {$21000.00} still remain due!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
a client in XXXX of ours for over 12 years had someone depoist XXXX asked us to make a bank transfer to XXXX for {$420000.00} as he owed our company also over {$9000.00} we waited 10 days to make the bank transfer then 7 weeks later our bank took the {$49000.00} and gve back toi the person that depoist it to our account without letting our comany know or given us a chance to argue that money should not be given back since the bank gave the money back we also put a claim to ask our bank to return the bank transfer we made to XXXX but they never got the money we ssent back so our company is out {$49000.00} whiihc has hurt our company and the bank has nto tried to help bank of america ouor accoutn XXXX new york branch

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I just don't think this is still right. I felt I am being taken advantage by someone I didn't know and being ignored by the agencies where I sent the disputes. What happened is last month I received my credit report and noticed that lots of items that I didn't recognized and it isn't mine, so dated XX/XX/2022 I sent letters regarding with those items to be remove and was very patient waiting for their response but up until now ( XX/XX/2022 ) I haven't received any from them. This is unacceptable. According to this article : FCRA 611 ( 15 U.S.C. 1681I ) ( A ) the investigation should be within 30 days only and an extension of 15 days makes 45 days, it was almost 50 days now from the time I sent letters but nothing came into my mail, email and even phone number when I indicated all these info for them to communicate to me. This is frustrating and causing me a lot of stress.

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 2020-07-30
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I wrote a check to myself in the full amount of my paycheck of {$1800.00}. and made a mobile deposit on XX/XX/2020. The funds were supposed to be available the next business day XX/XX/2020. The following business day when my funds should have been available instead there was a hold placed on my account with the following description : ( FM Deposit Hold-See SM ). 

I wrote the check to ensure that it met the minimum balance requirements of this account to avoid a fee until I'm able to have my paychecks directly deposited into my account. The check has been paid by the bank the check has come from but I still have a hold on my account for that check, and was told by your company that the duration of that hold will be 6 business days, which ensures that the earliest amount of time the funds would become available will span between 2 business weeks. I have absolutely no money. We are living in times where we fear every day for our health, financial security, and overall well being. Rent is due the XXXX  of the month and this situation places a greater burden on me that adds to the stress we already endure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Hey guys! There are still inaccuracies on my credit report. For example, this account has two different account numbers. Now, If you have already done an investigation, I want to know how you missed an error like this? 
XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX The date of first delinquency is inaccurate. 
The name of the creditor is truncated and unidentifiable. 
The account numbers are incorrect, truncated and unidentifiable. 
The payment history has been reporting incorrectly for many years now. 
There is no notice of dispute. 
And there are at least 3 other issues that I will not name at this point as I would like you to actually do an investigation. 
I do not understand why you wont investigate my account?!!!! What's the problem? You are literally ruining my life by reporting these old accounts that are just burdening the both of us.

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 2023-07-03
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: Investigation took more than 30 days

Complaint:
I am submitting this on my own initiative ; no outside party is involved. HOW IS THAT POSSIBLE IF THE LAST REPORTED DATE, LAST ACTIVE DATE, AND OPEN DATE ARE NOT CORRECT? MY ACCESS WAS PROPERLY INVESTIGATED, THE CREDIT BUREAUS STATED. MY RIGHTS UNDER THIS JUSTIFICATION FOR REMOVAL WERE VIOLATED BY THEM, TOO. I HAVE A RIGHT TO PRIVACY under Section 602 A of 15 U.S.C. 1681. A consumer reporting agency is prohibited from providing an account without my express written consent, according to the law ( 15 U.S.C. 1681 Section 604 Section 2 ). PLEASE REFER TO THE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters again on XX/XX/2021, in regards to things that are inaccurate and unknown on my credit report. To this day, over 35 days later, I have still not received a response yet. I think they are taking advantage of me and ignoring my disputes. In Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these accounts, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$17000.00} ; DEPT OF ED/XXXX XXXX Balance : {$930.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$350.00} ; DEPT OF ED/XXXX XXXX XXXX : {$450.00}

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 2023-02-14
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied for TEPSLF in XX/XX/XXXX for my federal student loans. 

I've been continuously employed since XX/XX/XXXX with a PSLF-qualified gov't agency. I never missed or deferred on a single loan payment. 

My loans were transferred from XXXX to U.S. Dept of Education to MOHELA in XXXX XXXX. Since that time, it has been a nightmare trying to get information on the status of my loans with MOHELA. 

After finally reaching one of their customer service reps in XXXX XXXX, I received a memo which indicated I had " 182 PSLF Eligible Payments '' but could provide no other information about TEPSLF. 

In XX/XX/XXXX, the details of my loans disappeared from the MOHELA website, but it displayed a {$0.00} balance. There were no memos or notices on the website explaining what had happened. 

I called MOHELA customer service repeatedly to verify the status of my loans. They informed me that my loans had been discharged under PSLF, but could provide no information on TEPSLF and the 62 over-payments eligible for refund.

I was told I would have to wait 90 days for MOHELA to provide an update on TEPSLF ... then it would be up to the U.S. Department of Education and that could take another 90 days or more. 

If that estimate from MOHELA is accurate, I would be looking at approximately 16 months from the time I applied to determine if I qualified for TEPSLF??? 

It should be noted that according to MOHELA 's XX/XX/XXXX Investor Presentation, they are using the same servicing platform COMPASS to perform its servicing operations as my original loan holder ( XXXX ) -- with whom I never had a single hiccup. 

So, the lack of communication and delays with MOHELA are genuinely hard to fathom, not to mention terribly stressful for me and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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