BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
RE : Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law under which I will sue is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress make the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( 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} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Under 15 US Code 1681a ( 4 ) as a consumer, I have the right to privacy and this bankruptcy must be deleted from my consumer report or I will seek monetary damages in small claims court in my city and state. Also, I already sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a fraud account reporting from XXXX XXXX XXXX XXXX Acct no. ( XXXX ). This not my account. This is identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2022-10-26
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
American Express solicited my business, asking me to apply for a new credit card in XXXX, XXXX ; Blue Cash Preferred * from American Express. The American Express solicitation identified a {$300.00} credit promotional offer if at least {$3000.00} is spent on the card in 6 months. I applied. American Express pulled a new credit report and opened a new banking account for the credit card. I spent {$3000.00} within 4 months. Called American Express support multiple times and they confirmed my eligibility for the {$300.00} statement credit. After 7 months and no {$300.00} promotional credit a called again. I was assured that I had satisfied the terms of the promotional offer on XX/XX/XXXX, but was told the 'back office ' pulled back the {$300.00} credit because they felt I was not a new customer. I have had American Express credit cards in the past, but not within the last 3 years. 

I feel that the promotional offer was not made in good faith. American Express benefited from my business over 7 months, reaping a high percentage from my purchases. I paid all balances on time. I feel that American Express fraudulently pulled a new Credit Report. If they feel that I am not a 'new customer ' why inquire about my credit? 

Lesson learned is that you can not trust American Express promotional offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: PLANET HOME LENDING, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX we received a letter from Planet Home Lending that the servicing of our mortgage was being transferred to them. On XX/XX/XXXX I did receive a bill from our current servicer, XXXX XXXX XXXX, stating our mortgage payment is due with them on XXXX. I called XXXX and asked who should I pay since the loan was being transferred. XXXX stated over the phone that the transfer to Planet Lending would be official on XX/XX/XXXX so I could pay them for the XXXX payment. 

Today, I received a letter from Planet Home Lending for the XXXX payment. This letter was actually address to our previous address ( home we sold after buying our new house ). I called Planet Home Lending today and talked to XXXX ( employee ID XXXX ) trying to figure out what was going on with the servicing. He told me there was an error with 24 loans, mine being one of them, that Planet Home Lending does NOT actually have the servicing rights to my loan. I asked for him to provide that in writing but he refused and then hung up on me. 

I called XXXX XXXX XXXX right after and talked with XXXX ( employee ID XXXX ). She stated that Planet Home Lending IS going to be our servicer which is the exact opposite story. 

So the issues are : -Planet Home Lending refusing to provide any documentation to verify that we do NOT have an account with them -Planet Home Lending sending communication to an invalid residential address -If Planet Home Lending was sent our information by mistake that is a privacy violation since they now have our SSN/DOB/address/etc XXXX Loan Servicing either incorrectly sending our information to a third party OR not having their records correct I've never had a late payment in my life, I'm licensed with the NMLS for my job so can not have any derogs on my credit, and concerned about our private info. 

Who services my loan and who do I pay!?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received your letter dated XX/XX/XXXX denying my request for assistance and denying my appeal for reasons that are unreasonable, you stated you that you wouldnt review my loan for workout plan because I received several workout plans in the past and that is NOT true, I have not received any workout plan since XXXX and that XXXX workout plan offered by a total different servicer then it was AHMSI whom went out of business, I didn't accept that offer, it was not a good plan or affordable workout so I did not accept and kept the original loan and luckily my loan was transferred to many different servicers that that I did not even know who was my servicer at that time and who I needed to negotiate my loan with and or send my payments to then, beside all that I was XXXX XXXXy and I was XXXX XXXX and I had no one here in the state to help me legally with my mortgage negotiations, few I hired from overseas scammed me and took my money and never called me once. so please I had no options or even a chance to redeem myself and redeem my home, please give me a chance and work with me, put me on a trial payment, look at the nature of this loan I have now and current market values and just give me a chance so I can catch up and take a breath. I have a family that suffered severely from covid on top of it, I have lost my elderly mom to XXXX in XXXX and almost lost mine too to XXXX XXXXast year, give me a break and stop being harsh to us homeowners we never intend to default on our mortgage but this mortgage was a bad loan from the beginning and I was scammed to accept it and I wasn't knowledgeable then on what I was getting myself and my family into when I accepted it.. I have submitted application with XXXX  XXXX XXXX  and it's in review for loan for assistance. please work with XXXX XXXX to find the best scenario that can make this work and not peruse forclosure actions as its illegal, I have contacted XXXX XXXX and they said they and they advised me you need to send them orders to rescind this sale. we are military family and thank you again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I requested a fraud alert on my credit because someone stole my identity. I am not a person that checks their credit frequently but i recently check it because i am trying to secure a home. I saw a few accounts on my profile that i have no idea about.I did not authorize them. I reach out to the credit bureaus XXXX  XXXX  and transunion regarding these accounts and they explain to me that i need an FTC report. I am a victim of identity theft. Absolutely none of the accounts listed are related to any purchases done by myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 paid off XXXX XXXX  bank it still on my credit report also its address on their I never lived their

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 2022-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 filed XXXX complaints with CFPB regarding a Fraudulent charge of XXXX XXXXXXXX not made on my phone or computer, and without my knowledge or consent, but was allowed by Bank of America who did not call me to confirm if the transactions were made by me. In the past Bank of America denied a transaction to a XXXX XXXX causing me to call them to verify that it was a legitimate transaction. This time BofA failed to contact me to verify the legitimacy of the " Fraudulent '' transaction mentioned on my below mentioned complaints on : ( CFPB Complaint numbers # XXXXXXXX XXXX XXXX XXXXXXXX ) Instead Bank of America approved XXXX Fraudulent Transaction and during the CFPB investigation, BofA transferred the Fraudulent XXXX XXXX debt BofA to XXXX XXXX XXXX  XXXX XXXX XXXX. 

On XX/XX/2022, I spoke with " XXXX '' at XXXX XXXX Bank because I received several " Hang Up Calls '' from them as per Caller ID. I also received a collection letter from them date XX/XX/2022, attempting to collect the fraudulent debt BofA transferred to them during CFPB investigation as per the aforesaid complaint numbers. Please note that " I texted several messages to XXXX XXXXXXXX XXXX '' to the telephone number reflected on my " Caller ID '', to include pictures of the CFPB Complaint numbers, explaining the fraud situation asking them to cease and desists collection activities and to contact CFPB and provided your office telephone number. 

When trying to explain what occurred to XXXX, he stated that they were not Bank of America at which time I explained about the Fraudulent debt and that I texted information regarding the fraudulent charges and that they should contact BofA and CFPB to corroborate my statement. I asked him to document what was stated during our phone conversation and for XXXX to ask his management what to do about the Fraud BofA sent them. XXXX then said that he would transfer me to their fraud unit but I informed him to document our conversation and that I had already texted that information and to contact XXXX and your office ( CFPB ) and culminated contact. 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 monetary relief
Consumer complaint received 2019-07-09
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2019 I have an open dispute claim XXXX and reference XXXX regarding two transactions XX/XX/19 XXXX*XXXX XXXXXXXX Visa XXXX US Posted on XX/XX/2019 at XXXX Memo : Debit : Signature purchase from XXXX XXXX*XXXX XXXX Visa XXXX US  {$490.00} XX/XX/XXXX XXXX*XXXX  XXXX Visa XXXX US Posted on XX/XX/2019 at XXXX Memo : Debit : Signature purchase from XXXX XXXX*XXXX XXXX Visa XXXX  Us {$490.00} My account has been compromised and these are unauthorized fraudulent charges. I have contacted the company Zelle case XXXX and there were able to verify that these charges were not initiated by me or from my account. All of the transaction details will be provided to my financial institution. I have mobile alerts set up and received no notice about these transactions. I have since deactivated any association with Zelle and cancelled my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: HYUNDAI CAPITAL AMERICA
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have consistently made {$100.00} additional principal payments towards my loan each month with the intention of reducing the overall interest paid and shortening the loan term. However, to my dismay, I discovered that HYUNDAI CAPITAL AMERICA has been improperly handling these additional payments. Instead of applying them directly to the principal amount, as requested and agreed upon, they are holding these funds and only applying them to the next scheduled payment. 

This HYUNDAI CAPITAL AMERICA practice has several negative consequences : Increased Interest Payments : By delaying the application of additional payments to the principal, HYUNDAI CAPITAL AMERICA is effectively prolonging the loan term and causing me to pay more interest over the life of the loan than I had initially intended. 
Violation of Agreement : When I made these additional principal payments, I did so with the understanding that they would directly reduce the principal balance of the loan. HYUNDAI CAPITAL AMERICA 's refusal to apply these payments as intended unless I call every month, hold on the phone and actually speak with a service agent to request said extra principal payment be applied to the principal violates the terms of our agreement. 

Financial Impact : This improper handling of payments can have a significant impact on my financial goals. I am being deprived of the benefits of early principal reduction, and this may affect my long-term financial planning. 

Lack of Transparency : I believe that HYUNDAI CAPITAL AMERICA has not been transparent about their policies regarding the application of additional principal payments. If I had been aware of their practice beforehand, I might have reconsidered my financial strategy.

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 2017-04-01
Company: NCC Business Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Collecting dept that I do not have knowledge of never receive a letter or phone call for this company I just now saw them on My credit report do n't have any knowledge with this

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 2019-08-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
I am beyond frustrated with the level of customer service I have received thus far and am pretty much convinced Equifax is making it impossible for me to login to my account and put a freeze on my credit report. 

I setup an account and logged in last week. I was informed that my request can not be completed and that a pin would need to be mailed to me. I received the letter a week later and followed the instructions. My account was confirmed and I was instructed to login. I attempted to login and received a message to call Equifax. I call the number and I'm put on hold for 30 minutes and hung up on. I call again and press 1 to request a call back. I receive a call back 30 minutes later and the person is VERY RUDE and tells me they need to transfer me to a specialist. I am hung up on again. I call back and on hold for 15 minutes. I press 1 to receive a call back and receive a message that I already requested a call back and i'm hung up on again. I tried the online chat, explained my issue and am told to call the same useless number. 

I am very frustrated and don't know how i'm supposed to access my account to freeze my credit report to protect myself from fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: SECURITY FINANCE CORP
State: OH
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:
THESE COMPANIES WERE ON MY CREDIT REPORT WITHOUT MY AUTHORIZATION I NEVER AUTHORIZED THEM AT ALL THEY WERE PUT ON BY XXXX XXXX WHO WAS SINCED REMOVED FOR MY CREDIT REPORT ON THE SAME DAY XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) There are no contracts, no valid claims ... accounts were settled with original creditor, grave errorfalse claim and reportingI want these accounts removed and reported correctly immediately or litigation will follow. Debts can not be collected twice or reported inaccuratelythis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the accounts are being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: U.S. BANCORP
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a Business account with US Bank about a month ago. Opening an account doesn't take a lot of time but setting up the account and connecting it to work with your personal accounts for incoming and outgoing funds takes a lot of time and effort to setup. They sent me a letter yesterday ( it's dated XX/XX/XXXX but I didn't get it until XXXX ) that they're randomly closing the account. I have two complaints with this ... if they want to close an account of mine, fine. I'll find a better bank to do business with but they should be required to at least give you a reason as to why they're closing it. They won't tell me any reason why. Only thing I've done is open the account, and transfer money in and out a few times to see how long it takes and ensure it's setup correctly between my other personal banks ... my second complaint is, they should have to give a minimum of 30 days notice before closing an account. There's too much stuff connected to an account to just randomly close it... they are supposedly giving me until the XX/XX/XXXX to get the funds out but I'm leaving for vacation and will be gone that whole time. A weeks notice isn't sufficient notice to close an account when there's so many steps involved in moving the money out and setting up other accounts. 

1 ) The reason why they chose to close it should be mandatory ... even if you don't agree, you would at least know why the bank decided to close it. When you're entering into business with a company, they should have the common decency to at least tell you why they chose to stop the agreement. It's a lot of effort on the consumer part to end up not even knowing why ... and it could cause some to default or be late on their debts. 

2 ) A minimum of 30 days should be required since there's so much involved after a bank randomly decides to close your account.

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