BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed 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

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 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I visited XXXX auto dealer on XX/XX/22 at XXXX & was informed by rep/manager XXXX AKA XXXX that he could take a look at my credit with out running a full report. Which would effect my credit ( hard inquiry ). I was informed this would not happen but I was informed by XXXX credit bureaus that this is not on my report. As of XX/XX/22. This rep lied.

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 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have asked the Credit Bureau to do verification of everything on my Credit report from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they have stated that everything was accurate but I have done a thorough research myself and have found improper inaccuracies on the Credit report. 

In accordance with the Fair Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2015-10-25
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had made mortgage payments to Ocwen Loan Servicing for the past 3 years via their automated phone pay and in return I would receive a confirmation number. However, beginning XX/XX/XXXX Ocwen did not withdraw the money from my bank account. Believing that this was a mistake and they would get it corrected I made my XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX payment the same way which also was never withdrawn. In the meantime, I had started proceedings to have my home refinanced through my local bank. I then requested a payoff balance and was given a figure to which my bank wired the monies to Ocwen. XXXX days later the wire was sent back stating that it was short and they filed for foreclosure of my home for non payment. Not once during the length of this loan did I ever receive a statement, notification of non payment nor a phone call in regards to this matter. Needless to say it became a very grueling task to get this companies cooperation. After almost 3 months we were able to get them to give us a payoff amount which included unfair foreclosure fees

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
TransUnion continually decreases my credit score unfairly and practices deceitful trade practices. 
I have paid off a car loan and financed another vehicle. However, TransUnion shows the previous car loan as " closed '' instead of " paid out '' causing points taken from my excellent credit score. There are inquiries that were not made and should have fallen off. Lastly, when I use my credit cards and pay them off within 30 days, drastic points are deducted from my credit file for small purchases -- meaning I have a very high amount available but may use {$70.00} out of a {$5000.00} line of credit. TransUnion has continually negatively affected my excellent credit score with prejudice and inaccurate information.

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 2023-12-07
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I received a letter from Newrez, LLC, dated XX/XX/2023 stating that wind damage coverage is required on my individual condominium unit HO6 insurance policy. In the same sentence Newrez states that " we plan to buy insurance for your property. '' Newrez then went on to state the following : " You must pay us for any period during which the insurance we buy is in effect but you do not have insurance. 
The insurance we buy : May be significantly more expensive than the insurance you can buy yourself ; may not provide as much coverage as an insurance policy you buy yourself. '' This communication from Newrez was received apparently without any knowledge or attempt to understand that the condo unit in question is contained within a larger building. The wind coverage is carried at the association level on the master policy, not at the individual unit level. Newrez took no time nor interest to understand the facts prior to sending out an aggressively worded communication. 

My ultimate concern is that those who receive this type of letter may feel pressured or coerced into adding coverage onto their individual policy that is redundant and not required, therefore incurring unnecessary cost. 

The customer service agent at Newrez, acknowledged that other people have complained about the same issue and management within the organization is either indifferent to the concern or unwilling to address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I pulled my credit report recently and noticed that all of my accounts that had been included in the bankruptcy were still listed on my report and that I had addresses that were unknown to me on there no current information was listed on there such as employment and they are releasing medical information with third party companies that I am unaware of. It also has no employment information on my account as well and I work a job at XXXX XXXX  all the other jobs are old information over 10 years ago. everything needs to be undated INACCURATE ITEMS : XXXX XXXX XXXXXXXX XXXX XXXX ohio XXXX XXXX XXXX ohio XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OHXXXX all the accounts will be highlighted on credit r

eport as well its 17 that are listed in the bankruptcy and the report ic systems needs removed never done business with nor should they have my medical info. all hard inquires removed except for the two open accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Americor Funding, LLC
State: TN
Product: Credit reporting 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:
I was a victim of this data breach and I would for this account to be deleted immediately

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 2023-07-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I CAN NOT BELIEVE THIS I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. These accounts have violated my rights! 
XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Violating so many rights!! 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists 18 U.S. Code 8 - Obligation or other security of the United States defined. I owe no debt 15 U.S. Code 1681b - Permissible purposes of consumer reports. I have the right to privacy I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. Please provide original contract with my signature or I expect these accounts to be deleted within 30 days!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Santander Consumer USA Holdings Inc.
State: IL
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:
XXXX XXXX- XX/XX/XXXX last four ssn-XXXX XXXX XXXX- XX/XX/XXXX last four ssn XXXX XXXX XXXX XXXX XXXX , Il XXXX Late payment removal request regarding account # XXXX VIN # -XXXX  XX/XX/XXXX Santander Consumer USA XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : We have been loyal customers of Santander Consumer USA for over a year and couldnt be happier customers. Unfortunately, in XX/XX/XXXX we experienced a life changing blessing and a hardship at the same time causing us to fall behind on monthly payments. It was an exceptionally busy time in our life as we were balancing the XXXX of our XXXX XXXX in 4 years ( ages XXXX, XXXX, and XXXX   months ). Our newest child was born on XX/XX/XXXX XXXX XXXX ( joint account holder ) was on FMLA XXXX  leave for 12 weeks XX/XX/XXXX-XX/XX/XXXX and I was on FMLA XXXX leave for the month of XX/XX/XXXX with NO PAY causing us to fall behind on rent, groceries, and Santander car note. Now that we are both back at work, I honestly could not associate with the person that let this payment obligation go unattended I fully respect our obligations with Santander Consumer USA and have worked diligently to amend my relationship with you by regaining your trust. A brief look at our account will reveal that our account status is current and furthermore we have enrolled in monthly auto pay to prevent any future issues. 
We have begun search for a home and a much larger vehicle due to our family growth. We are currently undergoing credit repair and plan to use Santander USA in the near future to finance a new truck. The attention that our late payments with Santander USA may negatively affect our chances of obtaining a home and new truck. 
In light of our renewed focus and demonstrated commitment to rebuilding our trust with your company, We are requesting that you give us a second chance at a positive credit rating by revising the 3 late payment ( s ) as  reported on our three major credit bureau files ( XXXX, XXXX, and XXXX  ). I sincerely hope Santander Consumer USA believes in their customers and I humbly request your consideration to allow me to pursue the home and truck of my dreams. I appreciate your time and look forward to receiving a favorable decision from you department soon. 
Regards, XXXX XXXX & XXXX XXXX In addition we can provide all documentation that support our claims upon request ( FMLA forms, check stubs, rent receipts, etc. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Recently I have been receiving an excessive number of calls from Commenity Bank XXXX 14 in the last week, 5 in just the last 8 hours while I was at work! I am assuming that this is related to a credit card I recently took out but have yet to receive any statements for in order to pay it. Its definite harassment and in violation of the CFPBs 7-in-7 rule for debt collection calls. I used to have a commenity card years ago, and like 6 years ago I filed a complaint that they had harassing call programs then - why hasnt the CFPB done anything to stop this? I know they can be liable for damages up to {$1000.00} per person but it seems like they just continue the same problems with no consequences. Had I of known the store credit card I was applying for was through this bank I would have never gotten it! I am also suddenly getting a bunch of No Caller ID calls that suddenly started at the same time that Commenity started calling, I am not late in any other credit cards or loans and so I know that I wouldnt be receiving calls from anyone else. Although I cant prove those are them, it has to be more than a coincidence. Either way, 5 calls in 8 hours?!? I work and cant take personal calls. Mail me my statements, give me notice on how to pay and Ill pay it - dont harass me! Since I have yet to receive a statement- I hope I havent been assessed any fees on top of this or been reported to the credit bureaus! Better yet - take the {$1000.00} per violation issue that it says in regulation and cover the debt ( which is like a quarter of that ) - then fix your collection programs. take some ownership of your blatant compliance failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Marlette Funding, LLC
State: IL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have attempted to payoff this loan. Difficult to get a person, when I do they agree it doesn't make sense that I paid {$4700.00} in interest and only {$300.00} in principal. I told them I want to pay this off ASAP but they said they need to open a ticket. Then they disconnected the call. Please help me get this paid OFF ASAP. I can't get answers about the interest. I don't think they want me to pay off so they can continue to assess as much interest as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2018-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My family and I were on vacation in XXXX XXXX. We decided we wanted to attend a XXXX game that evening. We got on XXXX and texted back and forth with a guy that had tickets for sale. I verified that the tickets were legit and would be sent through XXXX. He assured me they would and that you can't sell fake or used tickets through XXXX. I then asked if he accepted XXXX and he said he preferred XXXX that way everything went through his bank and is documented. I had never used XXXX but it seemed legit since it was on the Bank of America app. I  transferred the money and he told me he was sending the tickets over. Of course, they never came and he blocked my phone calls. I immediately reached out to Bank of America and they said I had to wait until the next day when the funds 'posted ' to my account. Of course, the next day, the scammer had taken the funds from the account I transferred to and closed the account. I am a preferred client at Bank of America and have been a customer for well over 10 years. I am shocked that they  would offer something they don't back on their app without any warnings. I'm also shocked how easily they dismiss me and close my case saying that I 'authorized the transfer ' so there is nothing they can do. I find it hard to believe that if this wasn't fraud, the person would have cleared and closed the account the same day as the transfer. The money went to XXXX XXXX so I would think between those 2 large  institutions, there would be a better system in place to handle these situations without leaving a long time customer out of luck. If they do not make this right, I may consider taking all of my business to a credit union, where it probably should be.

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 2023-12-07
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have banked with Marcus for several years now with no issue. 

On XX/XX/XXXX, I received a phishing phonecall with someone trying to gain access to my account. I immediately changed my password. 

on XX/XX/XXXX, I attempted to log back in to my account, and it had been frozen due to fraud investigation on XX/XX/XXXX, I called Marcus support, asking for more information on what had happened, whether my funds were safe, and how to regain access to my account ASAP. I was given no explanation, just told that the information was " locked '', and to call back in 5 days XXXX, I called Marcus support again, asking the same questions. Was told again by agent that my account was locked, and they were unable to provide an estimated resolution timeline, or any additional information. Just to be patient and wait for a phonecall/email with next steps ( that they could not provide an estimated arrival date for ) While I appreciate the protections put in place to guard against fraud, I am extremely concerned about the way this is being handled. No one has been able to even tell me if my deposits are safe or when/if I will be able to access those funds again? As you can imagine, this is a major issue for me.

Company response to consumer: Closed with explanation