BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
15 U.S. Code 1681n - Civil liability for willful noncompliance A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After the flood  of   XXXX   2016 i n  Louisiana, W  ells Fargo  is refusing to release insurance money after completing 50 % inspection with a 65 % completion rating. They will only release funds to m y contractor who is responsible for labor only. I have submitted paid invoices showing credit card payment in the borrow 's name for cabinets and flooring. Still the mortgage company refuses to pay and says will only   release the funds after a 100 % inspection to borrow for the remaining amount that is over the general contractors estimate. This policy is not documented or explained but enforced internally in the mortgage company. This is a bad policy that harms the borrower who is with good faith upfront and transparent and  has complied with all request from the mortgage company. The mortgage company employee 's have three times submitted requests for funds to be released and somewhere in the management chain the request is d enied and borrower is not allowed to speak with the people that are making the decisions. Again this unwritten policy is harmful causing the borrow financial hardship.  I have paid out of pocket. 1 ) for flooring {$3700.00} 2 ) for cabinets {$14000.00}. I should have to wait months for 100 % completion to be made whole for the expenses that are paid out of pocket.

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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 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, these federal laws are Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act transunion, XXXX, XXXX have serval different reports please INVESTIGATE PLEASE immediately there is wrong information please remove immediately these accounts this will be last time

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 2023-05-01
Company: ALLY FINANCIAL INC.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
At the beginning of this year, XXXX, I was struggling to make my minimum payments. I entered into a payment plan in XXXX. However, I was able to pay my card down completely in XXXX. When I logged onto my account in XXXX, my account showed a hold. I've contacted the company and they stated that I agreed to a six month payment plan and my account will be on hold until XXXX. I asked them to remove the hold, but they stated they are unable to remove the hold or refund the payment. I was unaware that if I paid my card off, I would not be able to use it. Otherwise, I would not have paid the full balance on the card. Therefore, I paid {$2100.00} and they are not allowing me to use my card.

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 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was taken advantage of by your company because of the incorrect reporting of fraudulent account which has put me a very bad financial situation

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 2017-05-05
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for XXXX XXXX XXXX license. I have found they are in direct violation of TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-101. XXXX XXXX XXXX does not have a VALID license in the state of TENNESSEE. Their license expired in XXXX XXXX, 2016. They can not collect on a debt. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-105 states no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-108 ( a ) ( 1 )  Every collection service shall have, for each location at which it conducts business a location manager who has submitted an application on a form prescribed by the board. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-123 states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor. XXXX XXXX XXXX is in direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.

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 2022-04-07
Company: Experian Information Solutions Inc.
State: TN
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 to the Fair Credit Reporting Act ; has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or time of place known or which should be known to be inconvenient to the Consumer. 



XXXX XXXX XXXX ( Acct : # XXXX & Acct # XXXX ) has violated my rights. 

XXXX XXXX ( Acct # XXXX & Acct # XXXX ) has violated my rights. 

XXXX XXXX XXXX, ( Acct # : XXXX & XXXX ) has violated my rights. 

XXXX XXXX XXXX ( Acct # XXXX ) violated my rights. 

XXXX of XXXX Acct # : XXXX, XXXX, violated my rights XXXX XXXX Acct # XXXX violated my rights XXXX XXXX XXXX Acct # XXXX violated my rights.

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 2023-01-25
Company: Experian Information Solutions Inc.
State: NY
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:
This is a separate complaint from a separate company. As a complaint against a separate company, it should not be closed out. 

This firm represents the claimant. XXXX reported the account delinquent but subsequently processed a letter stating otherwise. While the CFPB submitted the complaint to XXXX and XXXX, XXXX ( a separate company entirely ), has not removed the error. Has refused. 

Request is made that the CFPB initiate an investigation as to why XXXX has not cleared the showing of late payment in XX/XX/2022 on XXXX XXXX XXXX XXXX XXXX ) credit report. 

Documentation is attached proving the lifting of the issue. 

XXXX XXXX, XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX 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 2023-03-11
Company: EQUIFAX, 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:
factual dispute Equifax has continued to allow XXXX to report inaccurate information even after several disputes this year alone. this account is reporting a {$0.00} amount for last payment on account credit reporting when by XXXX on response document states {$43.00} actually was last payment on XX/XX/XXXX as of XX/XX/XXXX XXXX  certified in accordance with the FCRA laws was reporting correctly in fact the account has not been reporting accurate information violating my consumer rights to accurate reporting I have attached three document 1 ) EQUIFAX PAYMENT HISTORY REPORT 2 ) XXXX RESPONSE LETTER STATING THE ACTAUL LAST PAYMENT AMOUNT 3 ) XXXX RESPONSE LETTER STATING THEY VERIFIED THEY ARE REPORTING LAST PAYMENT INFORMATION ACCURATE when in fact they have not and closed out another complaint with a statement they are attempting to buy the debt back from current debt owner why is this if everything is lawful. MAY I REMIND YOU XXXX & XXXX HAS REINVESTIGATED THIS ACCOUNT AND HAS DELETED THIS ACCOUNT FROM THIER REPORTING FILE AND FURNISHER ( XXXX ) IS ATTEMPTING TO BUY THE DEBT BACK IN HOPES OF ( DAMAGE CONTROL ) COVERING UP UNLAWFUL ACTS MAD ON ACCOUNTN BEFORE DEBT WAS SOLD TO CURRENT DEBT OWNER

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Chime Financial Inc
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 my debit card information was stolen from XXXX and used to send a total of {$50.00} to a XXXX XXXX. I did not do it and I reported it immediately to chime. They did an investigation and determined no error occurred and won't give me my money back. I do not understand how they can deny my dispute when I didn't do it. They canceled my debit card and are sending me a new one but I want my {$50.00} back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have a bankruptcy that is over 10 years old and every time I dispute it with equifax they deny it, saying the information is correct. Im fighting it should be removed because of the age. Anything over 10 years old should not be showing up on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: EQUIFAX, INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Upon reviewing of my records, the following account is erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 




XXXX  / XXXX / {$140000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account XXXX XXXX XXXX, Account XXXX, Acount XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and incorrect balance much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

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 2022-12-27
Company: ALLY FINANCIAL INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I attempted to resolve the issue with Ally multiple times with no success I've sent in multiple affidavits that they have yet to respond to I have also extended a grace period in hopes that they would remedy the situation civilly but they did not Im sending in my final notice in hopes that they ( ALLY ) follow the law and do the right thing here in the attachments are the labled exhibits and all of the laws that they have violated as well as the unrebutted affidavits.

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 2020-03-16
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I currently have a regular mortgage for my condo that is being serviced by NewREZ financial. I am currently paying Mortgage Insurance ( MI ) because my loan to value ( LTV ) has been  greater than 80 %. In XXXX of last year ( 2019 ) I was made aware via a letter in the mail from NewREZ that I could have a BPO or broker pricing option that would value my home and potentially eliminate the MI. This is somehow done via XXXX XXXX because they hold the mortgage. So I agreed, signed the letter and sent it in. I didn't realize that they also wanted a {$150.00} payment. So months go by and i have not heard anything. I give them a call ( maybe in XXXX ) and it is a disaster. First no one I speak of knows what a BPO is. They told me I have to pay {$450.00} or something to get a valuation, and that my LTV. They try to get me to refinance and take out a home equity line and say that will save me money. I decided to see what it will take to refinance with someone else because NewREZ with their sister company Shellpoint Mortgage seem really sketchy to me at this point and I don't even know how my mortgage was purchased by them. I realize refinancing elsewhere is not an option. I send in {$150.00} to NewREZ in XXXX and it is taken out of my principal. Then it is refunded and taken out as a fee or other charge. I call them, several times throughout XXXX and XXXX and it take me a very long time to get a hold of anyone. Most of the operators do not know what a BPO is, they don't see that I paid {$150.00}, they send me to a specialist several times who is a debt collector and doesn't know what a BPO is. I eventually get to a manager a few times and they say, the BPO was never request, or you need to pay {$150.00} or you need to sign something ( all of which I had done and the {$150.00} was reflected on my account ). Eventually I get a random call from some company in Nevada who arranges to send out a real estate agent to value my property. Success. I am reading through the BPO guidlines on XXXX XXXX website, and apparently I am entitled to review the BPO and my lender is required to give it to me. After the appraisal I get a funny email with a letter dated in XX/XX/2019 saying my LTV is over 80 % and still need to pay MI and that i may have to pay down to 60 % LTV if I want MI removed. This is crazy! It then goes on to say I need to get a BPO,  which i just did? Clearly they are making some money off of the MI and trying to avoid having it removed. PRicing in my neighborhood have gone up between 10 and 15 % over the last few years due to gentrification and my taxes are soaring so the {$220.00} MI being removed would really help me. I have never missed a payment. I need some help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: SC
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 3rd request that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX, XXXX XXXX Balance : {$0.00}XXXX XXXX XXXX XXXX XXXX  Balance : {$2400.00}, XXXX XXXX XXXX XXXXXX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2018 ; I started a loan modification application with my servicer, Bayview Loan Servicing. I received a notice that Bayview would transfer the servicing of my loan to XXXX XXXX XXXX XXXX on XX/XX/2018.

On XX/XX/XXXX and as of today 's date ; I have contacted XXXX XXXX XXXX  consistently about the transfer of my loan while in default and to find out whether my loan modification application package would be transferred from Bayview to XXXX XXXX.

As of this date, XXXX XXXX has informed me that they do not show any of my loan information in their system - they do not even have a loan number assigned to my loan ; a fact which has prevented me from submitting their loan number to this complaint and from getting the servicer any missing information that might by needed to make a determination on my application before the XX/XX/2018 sale date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Beginning XXXX I pulled my credit reports and found a collection I didn't know about. 
On XX/XX/XXXX, I sent a certified letter to GLA Collection Company asking for debt validation. No response was made to letter. 
On XX/XX/XXXX, I received a bill of {$260.00} from GLA which did not match credit reports listed {$220.00}. Amounts owed did not match. 
On XX/XX/XXXX I sent another debt validation letter to GLA. 
No XXXX to letter. 
On XX/XX/XXXX, I sent another debt validation letter to GLA. 
On XX/XX/XXXX, I received an itemized bill. 
On XX/XX/XXXX, I sent another debt validation letter as this collection could not be verified with XXXX or XXXX it was deleted. XXXX still reports the {$220.00} owed. Amounts do not match and the company does not validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: Navient Solutions, LLC.
State: TN
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:
Did a dispute through the 3 credit reporting agencies, came back verified. I then contacted the furnisher by telephone who advised me they did not have any accounts in my name and not only that they are not furnishing any information to any of the 3 bureaus. Once off the phone a few days later they followed up with a letter to confirm what was told to me through on the phone. Once i received the letter i sent the letter sent to me by the furnisher along with another dispute against these accounts, and once again it came back verified. I have been trying to fix this issue for almost 3 years to no avail. On some of the accounts they even say disputed in BK. I disputed this inaccurate information multiple times as student loans can not be included in BK 's. Still will not remove or update and still being reported as verified to date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
Company: Upgrade, Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : Account XXXX XXXX XXXX days late as of XX/XX/2022 I am not sure how this happened as my account was supposed to have been on auto draft. I believe I made my payments to you when I received my statements. My only thought is that there was an internal issue when the system ran my payment.

Company response to consumer: Closed with explanation