BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Transunion, XXXX  and XXXX  is reporting inaccurate information on my credit. They are reporting inaccurate dates of last activity and re-age dates. FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting 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 2021-10-18
Company: Aspen Yo LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I sold my home in NY recently and the closing took place on XX/XX/2021. Every aspect of the process concerning my mortgage satisfaction was like pulling teeth, including this last piece - filing the Satisfaction of Mortgage with XXXX County. I've even sent several to the legal department of the mortgage servicer, which to date remain unanswered, and trying to call them results in 4 hour marathon hold sessions, which I just can't do. Approx. 1 month ago I did remain on the line until someone in " customer service '' finally picked up the phone, and was told that while she didn't have specific information, " the Satisfaction was sent to 'XXXX  ' in early XXXX ''. I asked for a fax copy of what had supposedly been mailed, and got anything but a fully executed Satisfaction of Mortgage in return. As we are fast approaching the end of 2021, I would very much appreciate assistance in getting the proper documentation filed with XXXX County so that I can fully close the chapter on this part of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: SUNRISE CREDIT SERVICES, INC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Electronic communications
Sub-issue: Contacted before 8am or after 9pm

Complaint:
I deleted the first message received from sunrise debt collection the other week and reported it junk on my XXXX but the first message was also before XXXX. 
I now have been contacted two more times prior to XXXX. 

Once on XX/XX/23 via text at XXXX And today XX/XX/23 at XXXX. 

According to everything Ive read online they should not be contacting me before 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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2020-11-11
Company: LD Holdings Group, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On approximately XXXX XXXX I applied for an FHA Mortgage with XXXX XXXX Itold them everything and sent all my documents to them. I told the loan officer that I was self employed he insisted that I was a W-2 employee. I do receive a w-2 because I am a XXXX  employee Box XXXX  is marked on my w-2 that says that. And what that means is they can deduct social security and XXXX  tax.Well everything was approved and they wait unil the last week that we are suppose to close on the loan and asked for paperwork which I gave them. They were under contract to close XX/XX/2020. I received closing disclosures and signed them. 24 hours before we are to close on the loan they can not get employment verfication well of course not because i am an independent contactor which I told them in the beginning.Long story short i didnt get the house, my real estate lost a sale, and the owner has to relist his house.Also their closing costs are way too high {$12000.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-22
Company: AMERISAVE MORTGAGE CORPORATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/XXXX my family enter on a contract with XXXX XXXX XXXX to build a single-family home @ a new XXXX XXXX XXXX XXXX We got a pre-approval for a mortgage with a company call XXXX, and pay an earnest deposit of {>= $1,000,000}. 
We got an FHA loan approved for {$460000.00} with a 3.125 % interest rate as it states in the documents we have. The documents stated also that they were committed to approved it as it was passed by underwriters. XXXX XXXX XXXX proceed with the construction of the house as we were told they will take 10 months to build it. 
Time pass by and in XXXX of XXXX we had a date set for closing, XX/XX/XXXX, We got in touch with XXXX to get them ready, they started the process again, a week before the closing date we started to get no response from the loan officer, and we started to get worried, 4 days before the closing we received the news that our FHA loan was not possible because of proximity with the first home we own, but the loan officer ask us not to worry because he was still approving us with the same terms this time with a conventional loan, of course we trusted and keep on waiting for their good faith. The loan officer on a very unprofessional way stops returning calls or messages and after so many calls and request finally call us back telling us that XXXX couldn't approved our loan, when the system switched the loan to a conventional, we lost the locked rate and that made us not qualified for the loan. 
For that mistake the builders kept out earnest money deposit, giving us only the chance to purchase another home on another development they have but no the money back. 
At this point we don't qualify for a loan for the interest being so high, and at this point we are losing our {$25000.00} earnest deposit.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: MOHELA
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been in the pslf program for years. Recently with the new limited waiver, I was able to have my payment counts update closer to forgiveness. I am now faced with them not looking into why some gaps are missing in my payment counts, as well as an ineligible payment listed that was covered by the limited waiver. I get a different answer why my account isnt being looked into every time I call. I am being told wrong information about my account. This lack of professional is leaving me with 4 months short of forgiveness close to when the payment pause will end. I have taught at a public school for almost 12 years. I know Ive qualified for well over my XXXX counts. I am a single mom of XXXX and will have {$900.00} a month in student loan payments when the payment pause ends if my account isnt updated in time. I am looking for some help, and mohela is giving none.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Searched records seems BoA wasn't the mortgagee in XXXX. They had their XXXX XXXX XXXX XXXX sign in XXXX. 
In XXXX had a service file the changing legal descriptions to add a 2nd house to their forged FHA mortgage. 
Note the FHA loan number on BoA mortgage is fictitious HUD found the mortgage they sold in a pool with the XXXX FHA loan case number a 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 explanation
Consumer complaint received 2020-05-13
Company: Kriya Capital, LLC
State: AE
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
i was viewing my credit report for the first time during the month of XXXX. I saw that the collection company Credence Resource Manage was reported as debt from them for the amount of {$730.00}. Then i proceeded disputed the debt on the account. After XXXX  did an investigation on the the said debt the result was '' Account information disputed by consumer, meets FCRA requirements '' for which i don't know what that means because i have not received any previous notice concerning this debt nor have i been contact at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting 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 XXXX account XXXX XXXX XXXX, account number 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-11
Company: EQUIFAX, INC.
State: WA
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:
Equifax is reporting fraudulent accounts on my credit report which includes the amouts of {$4200.00}, {$17000.00}, {$14000.00}, {$13000.00}. 

Please find the enclosed Affidavit of Identity Theft, regarding the above mentioned account. Please cease from reporting this information on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23
Company: Experian Information Solutions Inc.
State: VA
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:
Company is reporting false information on my credit report and is refusing to remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Company: CountryPlace Acceptance Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I would like to know why when I go to my balances it only says I started making payments on XX/XX/2020 when I made a payment on XX/XX/2020. 

Why on my payoff statements my loan type says single family and then it was changed to single family title II?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: NC
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 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, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
Please remove all fraudulent accounts as I have no knowledge of them. Due to the XXXX  data breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over. 
I attached the ftc report and letter with my infomation.

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 2023-03-13
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:
In accordance with the Fair Credit Reporting act convergent XXXX XXXX  account # 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 with 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 2022-09-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Used drive thru ATM at Wells Fargo location : XXXX XXXX XXXX XXXX XXXX, CA XXXX United States Placed {$500.00} into ATM machine and ATM was not reading all of my bills so Pressed return all items. When it was returning the money, there was a jam and we had to force the last {$50.00} out. We counted the money and only {$400.00} was returned. So the ATM ate {$100.00}. This happened on XX/XX/2022 at around XXXX XXXX. The bank was closed so I called their claims department. They informed me the machine did not register any jams and it says I put in {$350.00} and got {$350.00} back. They denied my claim and said they will not be returning my money and will not be checking the cameras because it will not show the money I put in. I believe there was a discrepancy in their machine because it did not register the jam. They are denying to admit any fault here.

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 2021-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I DID NOT HAVE MY REFUND IN 7 DAYS AS PROMISE CONCELECTION NUMBER XXXX I SEND MY MONEY IN XXXX XXXX,2021 MY COSTOMER NEVER HAVE MONEY THEN I TRY TO CANCEL MY TRANSFER I NEVER HAVE MY REFUND {$10000.00}

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 explanation
Consumer complaint received 2023-09-27
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Ok I got my tax refund sent to chime which was like {$45000.00} before taxes ok chime received it and it was put into my account but a couple days after tht chime closed my account I had been with chime for like 9yrs but they closed my account for some apparent reason, well like I said I had my refund check in my chime account like {$28000.00} so they informed me tht they wud be sending me a account closure check for my remaining money left in the account tut was like maybe $ XXXX XXXX dollars ok tht was way in XXXX they informed me tht my check wud reach me in XXXX days and I haven't received not nothin but they telling me tht they mailed the check already well they told me tht they wud be sending me another check then they emailed me again and telling me tht they cud not send me a check but wait I thought they had already sent me a check and I'm not understand why they are trying yo keep my money It was a refund check I emailed them all myrefund information and everything came back with no problems irs clean everything clean and everything was verified this has been a not so good 2mths I'm about to loose e verything I ever owned because of this thts my hard earn money tht I deserve why is chime trying to steal it from me I haven't received not a XXXX from them I have bills and kids send other things igotts take care of why are they doing this to me can someone please help me out please I don't know wat yo do because thts my hard earn money and they are stealing it from me I'm in tears because I trusted them for 9yrs and now all of a sudden they stealing my money please help..XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  thank you and have a blessed day please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
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: Information belongs to someone else

Complaint:
I am submitting my complaint for you to take steps or actions to handle my complaint with the wrongdoing of the XXXX credit bureaus that seems they never priorities my request to delete the fraudulent items in my credit file. I am very disappointed with this. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information in my account. I have been already told my lawyer regarding this issue. With that, I am asking for your help to remove these items immediately in my credit file : MO CHLD SPRT XXXX Balance Owed : {$8100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; MO CHLD SPRT XXXX Balance Owed : {$8100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$350.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: MO
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-11-13
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2020 RESURGENT RECEIVABLES LL started reporting on my credit report. last month I personally wrote this company and let them know I did not consent to having them report on my consumer report I actually sent them a notice to XXXX XXXX XXXX all XXXX through ANY and ALL mediums including my consumer report. This company is practicing fraudulent XXXX XXXX practices and continuing to further harm me as the consumer. I have a right to have my consumer report reflect me in an equitable light and this company is in violation of that right. This company is also in violation of buying my personal information without written consent from the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions 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:
I have been requesting that the erroneous accounts be removed from my account since XX/XX/2021 and to no avail they have failed to remove these accounts. They haven't provided any solid evidence and validation to these accounts. I have sent them copies of the police report, utility bill, Identity theft report along with copies of my id and SSC. 

They have failed to reply promptly or not at all. 



I will attach the last letter I sent to this company along with proof of receipt

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