BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2020-09-15
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2019 I began having difficulty making my mortgage payment. I tried to pay half and then catch up XXXX, and was unable to do so based on PHH ( a subsidiary of Ocwen ) not accepting partial payment and not responding to my question. I then applied for a modification. I sent all the required documents to them. They claimed not to have received them. I sent proof to them that they were sent. Then they claimed that the tax returns werent signed. I verified they had been. I then reached out to a short sale company, but was told by my relationship manager that I had to first request modification. She stated she saw that the tax returns were signed and  didnt know what the problem was this was in XXXX. The Real estate agent I was working with was unable to get anywhere with the mortgage company regarding what they wanted and how to go about getting the property sold. In XXXX I lost my job. I advised PHH this. They did not care. I made calls to them daily and each time theyd say a different thing or state that I didnt send them this document or that or that it was outdated and any excuse they could find. I needed to move because I lost my job. I hired a different agent who I thought could better assist me. I was finally denied the loan modification so I could proceed with liquidation. When I finally obtained a buyer I was told that I had been approved for the short sale and also that I could get a cash incentive or a consideration payment of up to {$4500.00}. This was in my letter. I was then told the buyer would have to pay for it. The buyer has been waiting since XXXX to get the home. Buyer threatened to back out because they didnt want to pay my relocation fees. We are still fighting with the bank. I feel nothing will get resolved and the home will be foreclosed on. I have no guidance in this  manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Westlake Services, LLC
State: CA
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 purchased XXXX XXXX XXXX XXXX XXXX car no power windows automatic doors bought the car XX/XX/XXXX from XXXX XXXX my contract said {$17000.00} it was fianc through Westlake Financial I started paying Westlake Financial XX/XX/XXXX {$460.00} I paid them XXXX payments of {$460.00} total {$18000.00} I had an accident XX/XX/XXXX car was total out I was hit 5 times in the rear by XXXX truck the car was total out XXXX XXXX XXXX told me to get the payoff on the car Westlake Financial told me I owed {$17000.00} more on the car I ask them what was they talking about I had never heard that the car costed {$35000.00} XXXX XXXX gave me {$9200.00} I gave that to Westlake Financial total I paid them {$27000.00} I also had XXXX Insurance they paid them I kept the car to try to sell parts from the car I had just bought me tires 1 month before the accident thinking they would give me the Pinkslip to the car which they didnt I told them they could pick the car up I called XXXX XXXX XXXX they said this company Westlake Financial had multiple lawsuits against them for overcharging Customers and XXXX XXXX also so they went out of business 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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I  'm trying to get the  XXXX  form for 2016 and I ca n't get anyone to fax nor email ( thru encryption ) ... .... They wo n't sent it to me and I need it today.

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 2022-04-28
Company: Experian Information Solutions 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:
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. 

Chapter XXXX Bankruptcy XXXX XXXX # XXXX, has violated my rights. 

Chapter XXXX Bankruptcy XXXX XXXX : XXXX, has violated my rights. 

XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

Chapter XXXX Bankruptcy XXXX XXXX : XXXX, has violated my rights. 

XXXX XXXX Date of inquiry : XX/XX/XXXX, has violated my rights. 

. XXXX  F Date of inquiry : XX/XX/XXXX, has violated my rights. 

XXXX XXXX  Date of inquiry : XX/XX/XXXX, has violated my rights. 

. XXXX XXXX Date of inquiry : XX/XX/XXXX, has violated my rights. 

. XXXX XXXX Date of inquiry : XX/XX/XXXX, has violated my rights. 
XXXX XXXX Date of inquiry : XX/XX/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 2022-04-28
Company: FIRST CALIFORNIA MORTGAGE CO., INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
Ponzy scheme on behalf of XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX does not recognize me as a XXXX  member therefore funds denied. 

The XXXX family given full permission to funds. 

Inheritance of XXXX and Percap from XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The 3 credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have been speaking to   XXXX   in the fraud department at capital one. I have sent several documents. There is an account that was opened in   XX/XX/XXXX  tha t was identity theft. My last conversation with  XXXX  stated she needed utility bills or other bills to prove my address at the time of the fraud. O n  XX/XX/XXXX  I sent  in    3 bills, 2 water and one car insurance bill. I received proof that it was received. I waited to hear  back from   XXXX   and after 30 days she did not respond so I sent her a letter on   XX/XX/XXXX  th at I needed her to get in contact with me as I had submitted all of the documentation she requested. This identity theft account should be listed as such a needs removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I already filed one complaint with the CFPB ( COMPLAINT ID XXXX ) and will be adding this new complaint against the same group ( CITI BANK ) who sent this most recent letter adding more unethical practices and malicious behavior to the former complaint. Additionally, I be taking this to both LOCAL and NATIONAL news channels as CITI BANK has further made unethical and malicious practices against a customer during COVID-19 PANDEMIC who has a perfect payment history with them. Moreover, I am looking into things that I can do with my on staff attorney about any ambiguous clause CITI BANK may think they have where they can ask me to bring forth a payment that is roughly 60x ( YES 60X ) my minimum payment. I have NEVER had a PAST DUE amount with CITI BANK in 10+ years. 

Details : CITI BANK is demanding I make a {$12000.00} MINIMUM PAYMENT which is absolutely not a legal business practice or within my terms for a personal revolving credit line where my current balance is roughly {$18000.00}. My MINIMUM PAYMENT of {$510.00} in XXXX and was not only made in-full ON TIME but I actually paid {$1300.00} which is 3x what was required. 

CITI BANK is making unethical business practices during a STATE OF EMERGENCY and forced a credit line closure thereby withdrawing liquidity from the consumer market. CITI BANK forced debt collections and pre-mature Credit Card debt collections to customers who have 10 years+ of perfect payment history in addition to withdrawing liquidity to the market is absolutely tortuous and almost criminal considering they are being BAILED OUT yet again for not running a clean balance sheet. 

This is all in response to my {$13000.00} payment I placed a hod on when CITI BANK decided to tell me they were going to arbitrarily reduce my credit line once the payment was made. Again, pulling liquidity from the consumer market. I decided to revise my payment and pay {$1000.00} and they closed my account and are now demanding I pay them {$13000.00} as a minimum payment a month later. NOT LEGAL at all. 

They appear to be trying to use the clause in the XX/XX/2020 letter related to " past due '' amounts and new balances ( letter included in this complaint ) however, I was NEVER past due and in-fact overpaid and have always overpaid above minimum payments so their letter is arbitrary and a blatant threat to a customer.

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 2022-04-28
Company: EQUIFAX, INC.
State: FL
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 following accounts have violated my rights. 
XXXX XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am the owner of XXXX XXXX XXXX, XXXX. We had a file closing and needed to update the payoff prior to closing. We received the payoff XX/XX/XXXX. Then received another payoff XX/XX/XXXX ( it is not unusual for a lender to send updated payoffs without being asked ) XXXX XX/XX/XXXX payoff was altered with the lender name changed from XXXX XXXXXXXX XXXX to Suntrust/Truist and the account number was altered along with one digit in the payoff amount. We closed and the wire was sent to Suntrust/Truist on XX/XX/XXXX at XXXX. 

XX/XX/XXXX the realtor, seller and lender called to say the mortgage was never paid off with XXXX. After further research with our bank, XXXX, we find out that the name on the account was NOT XXXX XXXX XXXX, XXXX at Suntrust/Truist. Suntrust/Truist should have returned the wire since it didn't match what we sent. XX/XX/XXXX XXXX XXXX  requested the wire to be returned as the title of the account and the account number didn't match. To date, I haven't been able to speak with anyone at Suntrust/Truist since I don't have an account with them ( I called their fraud department and they said they won't speak to me since I don't have an account with them ) The amount of loss is {$150000.00} and has been accruing since XX/XX/XXXX when we initiated the wire.

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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$31000.00} XXXX  XXXX Balance Owed : {$2900.00} XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXX Balance Owed : {$510.00}

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 2023-08-16
Company: EQUIFAX, INC.
State: NE
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, I have added my wife as a joint account holder to my savings and money market accounts. As an online bank, Capital One offers to do that online when the new account holder supplies an email and phone number, which we did. Banking was working fine for over a week ; we made transfers without problems or warnings. Then we tried to make a large transfer from the money market to the savings account on XX/XX/XXXX, which was the point when the bank suddenly locked our account claiming that my wife 's identity had to be verified. The only way to do so would be to provide a " verifiable phone number. '' We had provided her number already at account opening, which works fine and has been used by Capital One to provide her login and online access to the accounts. But Capital One claims that we must wait more time until the phone number is " verifiable in their system. '' They refuse to - unlock the funds ( just under 1mn $ ) until verification has taken place,- provide information on how phone verification would happen,- provide information on how long it will take ( " could be weeks, could be months '' ), - accept physical documents proving our identity ( passports, marriage certificates, phone contract ) in lieu of electronic verification, - accept our proposal to personally visiting a branch office to show documents proving our identity, - accept any other way to proof identity,- have given no timeline of how they will proceed and if the problem will return once the account in unlocked and we will try to make a large transfer once again. 
Though fully willing to co-operate with Capital One, we are given no chance or prospect to have the account unblocked and access our assets, which we urgently need for a home purchase. On the contrary, Capital One has threatened us that all funds may be lost in case the account was opened with fraudulent intent/by providing false information. We have done no such thing and are given no chance to prove it to them.

Company response to consumer: Closed with explanation