BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Re : dispute Re investigation I recently disputed the following accounts that were reporting inaccurate misinformation on my consumer file and you seem to have mistakenly verified them as accurate. The following accounts are not mine. Maybe the source is unreliable, but I need you to perform a Re investigation into these accounts and delete them Immediately : Account # XXXX XXXX OPENED XX/XX/2021 Account # XXXX XXXX XX/XX/2021 Law 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 1681 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes The following accounts are in violation of these laws and need to be deleted from my consumer report 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 non-monetary relief
Consumer complaint received 2021-06-23
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I completed a full loss mitigation application for a loan modification with PHH/Ocwen Loan Servicing. 

I have been trying to get PHH/Ocwen to correct erroneous information and errors on my mortgage since the onset of Covid. I had several critical sources of income cancelled due to Covid. 

My home has forced placed insurance that should have been removed in XX/XX/XXXX. 

My home has purchase mortgage insurance which is not proper by HUD and FHA guidelines. My home has a value no more than 70 % of the loan mortgage balance. 

Taxes and payment calculations are erroneous and have been so since XX/XX/XXXX. 

PHH/Ocwen hasn't modified and forborne my loan since Covid was declared by the President of the United States PHH/Ocwen made an offer to modify my mortgage during the Covid Pandemic that wasn't compliant with federal law, Executive Orders of the President, Congressional directives in the CARES ACT, and related laws in XX/XX/XXXX, and the American Rescue Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: MN
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:
When I investigated my credit report, I realized that some of the information was erroneous. The Experian are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX Inquiries : XXXXXXXX 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 2017-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
XX/XX/XXXX - Requested tax lien be removed from my report again. Have tried previously years ago.
XX/XX/XXXX - Trans union simply replied 'Information updated '.
This is not a consumer credit transaction which was taken care of long ago with the IRS.

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 2023-07-06
Company: WESTERN UNION COMPANY, THE
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Ref number : XXXX This is a continuation of a previously reported problem. I heard from Western Union a couple of days after I lodged the previous complaint, and they have given the same answer as the previous ones. In brief they are asking me to get confidential company bank statements but the company claimed that this request is unethical. Nevertheless I have provided written proofs of denial of receipt from both the receiver company director and the bank. On the other hand, WU has not yet shown me proof that they have had a dialogue with the bank and the bank provided a written document either denying receipt, or confirming it ( as WU claimed ). Here is what I wrote to WU minutes ago : Re : case number is XXXX Dear XXXXXXXX XXXX., Western Union Executive Resolution Your resolution team is asking me to go through the same circle again and again. You have asked me to get the bank statements from the receiver of the transfer. I have written several times that I have asked that but have been told that this is an unethical request, and the private company information can not be shared that way. I respect that. The director of the company is a personal friend and I fully trust him. That leaves the bank itself, with whom I have not dealt with ; WU has. Nevertheless I did ask the local bank and then again complained to the CEO of the bank. Both times I was categorically told that this money did not reach the bank. Additionally, they told me that this transfer can not take place for lack of some arrangement with WU. 

So, I have shared with you written proofs from the receiver and the bank that they denied receiving the money. I have done my part. BUT, beyond sending me your own document that the money was delivered ( again and again ), you have not shown any attempt of reaching out to the bank and get from them an acknowledgement that they either accept or deny your claim of confirmed delivery. You are in a position of doing so, but so far months have gone by, you are giving me the same answer again and again. I wonder if you are reading my depositions at all!! 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: BARCLAYS BANK DELAWARE
State: OK
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:
Someone fraudulently opened a Barclays credit card under my name. I did not open any new accounts or have my credit checked. I contacted Barclays and they closed the account. I told them to remove that fraud from my credit report. I then disputed the fraud on my report with all 3 credit bureaus and XXXX twice now just says they verified the account information. It is not me and i want this fraud removed ASAP

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 2022-05-25
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
as a part of XXXX XXXX promotion during the purchase of my airplane ticket I checked the box for American Express. {$200.00} cash reward if customer makes a $ XXXX purchase in first 3months. 
However, I never completed a checkout for the airplane ticket. I thought Amex card application did not go thought either. Actually it did and I received a card sometime later. Never received any billings statements. 
I said oh, well I might as well take the advantage of the {$200.00} promo by spending money on it. After few months I made my first purchase, which was paying the college tuition down payment for my freshman son. Made some other purchases too.. Was waiting on the statement, but never received it. The first time I received the statement the payment was already overdue and the fee and interest rate were already charged. I paid everything right away. 
I texted with Amex customer service and tried to negotiate removal or reduction of fees but to no avail. And I did not receive {$200.00} -- promotion either. With disappointment in the quality of their customer service I closed my account. 
With all off this I would like to file a complaint against Amex and AmEx practice. I think their practices are unfair and are taking advantage of customers. I do not seek money or any reimbursement, but I just want to share my experience so others can learn from it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-23
Company: Chime Financial Inc
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, Not necessarily a huge deal but it could be misleading to many other customers and create false expectations. 

I recently opened an account with Chime ( Bancorp Bank and XXXX Bank ). They required direct deposit for my of it's feature to open up, which is fine, but there are many little clauses and protocol they go through unbeknownst to us consumers. 

As for me, I would like to used their mobile check deposit feature but after fulfilling their requirements, or so I thought, they responded by saying it takes 30 days or so for review and other risk based factors. 

I am pretty mindful of this but had I known it would take 30 days to do a simple mobile deposit I might have gone else where. They advertise it as an immediate feature unlock after receiving your payroll deposit based on their phrasing and how it was advertised but apparently not. 

It's just a little frustrating to be lead to my conclusion but be told after some confusion that there are other steps involved. 

Enclosed it how they present their features Also their call center/customer service doesn't really help you resolve any of the issues you may happen to have

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: FL
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:
The credit bureaus stated my account received a properly investigation of my disputes but how is that possib ; e if the open date is inaccurate the date last active is inaccurate and the date last reported is not accurate. This ground for removal they also violated my rights under : 15USC 1681 SECTION 602SA ; STATES I HAVE A RIGHT TO PRIVACY 15 USC 1681 SECTION 604A SECTION 2 : STATES A CONSUMER REPORTIONG AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS According to 15USC 1681n ( a ) ( 1 ) 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} I want {$1000.00} per violation

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 2018-08-11
Company: TMX Finance LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
In 2016 I took a loan for {$900.00} in XXXX from XXXX  I paid them almost {$3000.00} to drop the loan {$300.00} as it got difficult to juggle XXXX and my rent and other utilities I refinance and eventually got another loan in XXXX. But I realize that I will never be able to pay this off the interest rates are too high it took me a year to take it down {$300.00} and I had to refinance so they won't take my car. I fallen into their trap no matter how much I pay them I will never pay off the loan they are like loan sharks it's gotten to the point where I am about ready to just give them my car. What they do can't be legal I understand I have to pay back the money but when I pay {$3000.00} for a {$900.00} loan something's wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Leased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. The care was in an accident on XX/XX/19 and subsequently declared a total loss by XXXX. XXXX paid XXXX in XX/XX/2019 for the loss and I had made the XX/XX/2019 payment just in case there was a lag in the insurance payoff. At the time of the XXXX payoff my account was not delinquent and should have been close at that time. The account has not been closed as of today XX/XX/19, I am owed {$3300.00} dollars that XXXX has not remitted and they have reported me as thirty and sixty days delinquent. I have spent several weeks trying to resolve this with XXXX XXXX  to no avail and I now need help from their regulator.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: SC
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:
Upon reviewing my updates, there are incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The following personal information were inaccurate and needs to be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Updated : XX/XX/2022

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 2023-10-31
Company: EQUIFAX, 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:
.Identity Theft! I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-24
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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 explanation
Consumer complaint received 2022-07-12
Company: EAST WEST BANK
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I sent a wire transfer to EAST-WEST Bank in the amount of {$28000.00} to the account holder XXXX XXXX XXXX This money was for XXXX XXXX XXXX ' XXXX XXXX However, this transaction turns out to be a total fraud. In addition, this company promised me a refund if they did not perform. However, East-West bank is XXXX and abetting criminals to commit fraud on people like myself. In addition, it appears to be a pattern with this bank that is allowing their clients to scam people. I am one of many that have fallen prey to their client 's schemes. Please see my attached documentation to verify that I have fallen prey to East-West bank 's clients that are scamming people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Apple Auto Sales, Inc.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There is a debt in collections on my credit report from XX/XX/XXXX, XXXX.I contacted company numerous times for proof of this debt and was given the run around.. finally I contacted the credit bureau to dispute and have it removed and it is still on my credit report..The company is XXXX XXXX XXXX XXXX XXXX, XXXX XXXXthis collection I noticed has been on my reports for over XXXX  years..Thank you for your assistance in this matter

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 2017-09-25
Company: AFNI INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After numerous attempts to have the debt collector to remove my name from their files, and reporting negative information to the reporting credit bureaus, such as XXXX, XXXX and XXXX XXXX. The collection company named AFNI has harmed my reputation and harmed my credit worthiness. After the mutual agreement with the original company XXXX, I had established many years ago, concerning the equipment use and the incurring fees and charges, would be established by tenants who remained in use of XXXX 's services and use of their equipment. XXXX was fully in compliance with such agreement. Years later I 've been notified, by AFNI that I owe them in a disclosed amount. I have repeatedly with unsuccessful attempts to dispute these claims by AFNI, with not positive results. I am therefore ; calling for a thorough investigation into the practices of the company named in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I complain about Synchrony Bank as I have been unable to obtain its agreements. Regarding my XXXX  account, the CFPB has one account agreement while a lawsuit filed in Florida a few weeks ago against someone else shows a different agreement for a Lowes credit card. Due to inconsistency, it is absolutely necessary that I promptly receive the exact card agreement applicable to me regarding XXXX and every other Synchrony Bank account I have. Nonetheless, to resolve conflicts, if necessary, I will consider it my choice to choose whichever agreement best serves my purposes due to conflicts and your refusal to disclose card agreements. See attached conflicting agreements.

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