BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-30
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX my husband and I filed for Chapter XXXX bankruptcy after a job loss. Our mortgage was not included in the bankruptcy, and we were not behind on any payments. We continued to pay our mortgage directly each month. 6 months after we filed our bankruptcy, our original mortgage lender sold our loan to Nationstar ( dba Mr. Cooper XXXX. We continued to make payments to Nationstar each month. Nationstar did not allow us to use their website to access our account information and only sent statements each month, often arriving only 3 days before the payment due date. On XX/XX/XXXX, I sent a regular payment of {$4100.00} to Nationstar, expecting it to be credited to our mortgage for the XX/XX/XXXX payment. On XX/XX/XXXX, I received a statement that showed the payment was not credited as usual but instead held as partial payment ( unapplied ). I figured as long as they received the payment, they would credit it or send a letter explaining why. A letter never came. I continued to make monthly payments on our mortgage until I called to inquire about the suspense account and why that was still not applied. I was given a couple of different answers from Nationstar representatives and eventually told to send a request to their research department email. They would find out where the payment was. I never heard back from the research department. In XX/XX/XXXX, I received our yearly tax statement that showed a different balance than my records showed and a letter sent to our bankruptcy attorney petitioning the court to increase our payment to cover an escrow shortfall. Since they never credited the payment they are holding in suspense, they never receive the escrow amount for the XX/XX/XXXX payment, so they showed that our escrow balance was short. With our attorney 's assistance, we sent a letter asking about why they were holding {$4000.00} in a misc suspense account instead of crediting it to our mortgage and escrow accounts. The response we received was that the payment of {$4100.00} was determined to be short ( unknown why, but probably due to " fees '' they add due to the bankruptcy ), and when a payment is short, it is held in a suspense account until the remaining balance is paid. With that information, I sent in a payment of {$200.00} and copies of the statement showing the funds in the misc account and asked Mr. Cooper to transfer the funds from the suspense account and apply it to the XX/XX/XXXX mortgage payment. I heard nothing until XX/XX/XXXX, when I received the regular statement showing they were now holding the {$200.00} in the partial payment account and wanted an additional {$4000.00} on top of our newly increased payment of {$4300.00} for XX/XX/XXXX and XX/XX/XXXX. I can not get them to release the funds they are holding, and they have increased my payment because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: EQUIFAX, INC.
State: OH
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:
There were not payment required from XXXX until XX/XX/2020 due the virus ; however, XXXX is showing late payments for XXXX andXX/XX/2020. I was never late and I'm requesting METHOD OF VERIFICATION AND PRECEDURED USED FOR VERIFICATION. PER MY RIGHT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2022-09-19
Company: West Coast Mortgage Associates
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Hi, Myself and XXXX other siblings, Inherited two properties from our Fathers Trust in XXXX I, eventually bought out my XXXX siblings, to become the sole unmarried owner. I then hired West coast mortgage associatesXXXX XXXX XXXX XXXX XXXX XXXX ca XXXX to complete the first XXXX. the balance owed was XXXX from my fathers existing XXXX XXXX.We Did the appraisal and XXXX Funded the loan... with her AKA ; XXXX Personal Mortgage company. this the first of many XXXX. in to play approx. XXXX XXXX to pay off balance and XXXX siblings. 
I started dating a gal I met on an online dating site in XXXX I then bought out the siblings on another home shortly after the new girl friend. I then completely remodeled the second property for us to enjoy in the mountains. and eventually turned it into a rental. after many costly XXXX. to once again draw money out to usually pay down maxed credit cards XXXX. 
this last XXXX of XXXX I accidentally found a complete set of Loan docs and Escrow about to lock in a few days! for XXXX XXXX on my one Primary house! so I called XXXX and asked XXXX is going on? She cancelled that loan, and said her and my now wife of only 2 years, and unhappy with the XXXX at this point. forgot to cc me on the emails like I had always done Religiously .... WELL 2 weeks later XXXX arranged for my wife to do a CASH OUT XXXX on both properties for about XXXX ; wife drove away XX/XX/XXXX and is still half owner & Served me Divorce Papers 4 weeks later & wants both houses RV Toys everything!!!! I can not even call XXXX XXXX XXXX XXXX company, because XXXX only on Title and half Owner. Come to find out my girl and XXXX were altering the XXXX properties about every 19 months while hiding all mail from myself, and keeping loan amounts within a {$100.00} of original Loan to hide the secondary principal Etc... so I think about 10 XXXX  in 12 years has been done!!! Shame on these People .....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hello Equifax. Legally you had 30days to complete an investigation. My first letter about my disputes was originally sent on XX/XX/2021, thats 50 days ago, it contained a notarized letter to verify who I am as well as a driver license and banks statement proof of address. About a month later, on XX/XX/2021, I send another letter following up on the investigation. I submit a complaint with the CFPB on XX/XX/2021 and you close it say cant find any record on XX/XX/2021, a unacceptable 41 days later. This is a illegal stall measure so on XX/XX/2021 I sent another copy of every as well as a w2 with my full social on it. For a company that had my information involved in a breach I find it odd that you stall and choose to say you could find me with the large amount of identifying information I originally sent. What the XXXX is going on So On Im here doing another XXXX complaint so that the CFPB can monitor this neglect. Attached is everything I sent so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TD BANK US HOLDING COMPANY
State: NY
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 opened this account with XXXX XXXX around XX/XX/XXXX and I had a Credit Limit {$3200.00}. In XXXX I purchased a XXXX XXXX for {$240.00} and I setup AutoPay, In XXXX, XXXX my balance was XXXX " XXXX '' thru XX/XX/XXXX when I purchase a New Phone for {$630.00} after Rebates and deductions and had AutoPay still turned onXXXX while checking my Credit scores, I noticed a significant drop in my XXXX score on XXXX. I examined where the cause of the score drop was and it indicated it was from XXXX XXXX. I immediately called XXXX XXXX and spoke with someone in account services and they transferred me to their credit services division. I explained that my AutoPay was still on and active when I signed into my online account and my payments weren't debited for two ( 2 ) months like they were in the past. The person told me that once my Account reaches XXXX XXXX XXXX '' balance, I have to go back online and turn-off and turn-on AutoPay again for it to be reset. I told her none of my other credit cards doesn't operates that way, but she insist that what I should have done. She said there's nothing she could do. I filed a sispute with XXXX and nothing came of my case.I have all my credit cards on Autopay and I don't believe my XXXX score shold lowered because XXXX XXXX website was not functioning as it should.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are still things that need to be blocked or deleted, but I appreciate your help in getting some of the unlawfully obtained data from my credit file removed. In compliance with FCRA section 605 of the regulations, you have to delete any records mentioned in an ID THEFT REPORT. Since I proactively remembered it for a prior letter, I am including this report again. My counsel has been made aware of my plans, and they are prepared to hold you responsible for your continuous disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hi, I was illegally sued by Wells Fargo Bank in XXXX XXXX, Florida and forced to file for bankruptcy in 2012. The cases were dismissed twice by the court but a corrupt lawyer hired by this bank illegally appealed the dismissals. I filed a complaint with this office and my case was never solved. The case number with this office is XXXX. As a result I had to discharge in bankruptcy more than $ XXXX illegally charged to me and living with bad credit for ten year. I havent been able to buy another house or get a decent job. Please Help with the abuse committed by this bank.

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 2022-03-30
Company: TRIDENT MORTGAGE COMPANY, LP
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX, XXXX and XXXX, Settlement division received an Offer for the Property located at XXXX XXXX XXXX XXXX XXXX Pa. XXXX, settlement officer named XXXX  XXXX, received a U.S. Currency Note USN, of {>= $1,000,000} in which they received on or about XX/XX/2021, they XXXX XXXX never responded, nor did they return the item or the Offer, upon there acceptance the obligation to Proform is on XXXX XXXX. 
see attach documents

Company response to consumer: Untimely response
Consumer complaint received 2021-06-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been a consumer of XXXX XXXX for over 3 years. I have never been delinquent, and always in good standard. XXXX XXXX I became very ILL. I went to my doctor and was diagnosed with XXXX and Hospitalized through XXXX. During my Hospitalization I was fighting was my life and unable to handle my affairs. Once I recovered I contacted XXXX  and paid the account of XXXX XX/XX/2021 bringing it to XXXX bal, and they sent Me a paid balance in full letter, but reported Me to the Credit Bureau as delinquent. I wrote them a write letter and email them twice in their online message center regarding my battle with XXXX and being hospitalized. I requested from them due to such unfortunate situation being out of my control would they make a good will gesture on my behalf and bring my account current. They denied Me. This is affecting my livelihood, because I am trying to gain housing for myself and my XXXX XXXX XXXX son and this is the only account on my Bureau reflecting delinquent. They have shown Me No Compassion under the circumstances and I have all documents to prove my case. PLEASE HELP ME to ha e this delinquent reporting pulled from My Credit Bureau. Thank You!

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 2023-09-29
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:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX, XXXX already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance XXXX {$380.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX Balance : {$890.00} XXXX XXXXXXXX Balance : {$130.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX  XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXXXXXX Balance : {$65.00} 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 2022-10-05
Company: JPMORGAN CHASE & CO.
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, I deposited a bank draft in the amount of approximately {$26000.00} into my checking account with Chase Bank. Because the deposit was made around XXXXXXXX XXXX., which is after normal banking hours, I opted to use the ATM to deposit this item. In reliance on the information available on Chase 's public website, I assumed that using the ATM to deposit this bank draft would not create any delays or holds on my account, and that the funds would be available within a few business days. Instead, upon deposit, I was informed that the bank draft would be placed on hold until XX/XX/2022 -- nearly two weeks. This hold froze my account and rendered it unusable -- neither deposits nor withdrawals could be completed, and transactions were declined. Because the instrument was a bank draft, upon verification of the order, the funds should have been made available. Chase refused to provide any reason for the hold placed on my account until XX/XX/2022. 

On XX/XX/2022, still unable to use my account, and one day after the hold on the deposit was lifted, I spoke with a Chase representative who informed me that they believed the ATM image of the bank draft appeared to have been altered. However, upon further investigation ( which had occurred prior to XX/XX/2022 ), Chase was able to determine that the instrument had not been altered, and openly stated that the hold and account freeze should not have been placed on my account in the first place. The representative assured me that the hold was to be lifted immediately, within 20 minutes to one hour. That time has elapsed, and I still do not have access to my account or the funds. 

The representations made by Chase -- in writing on its website, in writing on the ATM screen and receipt indicating funds availability on XX/XX/2022, and the verbal representations and warranties made by the representative over the telephone -- constitute incorrect, and in the very lease negligent statements on which I relied. Chase 's conduct is deceptive and unfair, as I would have chosen to deposit the bank draft with another institution or in another manner had I known that I would be unable to access funds in my deposit account for nearly two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: HYUNDAI CAPITAL AMERICA
State: NY
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:
I had an auto lease with Kia Motors Finance they are a division of the Hyundai Capital America that was just found to provide inaccurate info on credit reports. I paid my lease in full, as the document I uploaded shows. When the pandemic started in XX/XX/XXXX, I called XXXX to ask what to do if everything shuts down before XX/XX/XXXX when my lease ended. They told me that as long as all my payments are made, I can bring the car back to the leasing dealer " anytime before XX/XX/XXXX without penalty '' or that I could keep the car until things open back up and continue to pay monthly payments. I opted to bring the car in on or about XX/XX/XXXX just before NY state shut down for about 18 months. In XX/XX/XXXX ( letter also uploaded ) XXXX contacted me stating that I had terminated my lease early and was being penalized. I responded ( letter uploaded ) explaining what I stated above. I thought the issue was resolved as I heard nothing else from them. In XX/XX/XXXX, I attempted to get a new mortgage and learned that XXXX has started identifying my CLOSED account as delinquent. I have attempted to dispute this with each of the XXXX credit bureaus to no avail. I have written XXXX letters to XXXX since discovering this credit report issue. They have not responded. I have tried to call XXXX but get hung up on after several transfers. I do not know what to do and am now in a position of them damaging my credit. I have NEVER defaulted on any payment in my life. The power that both XXXX and the credit bureaus have to dictate my credit with lies is completely unfair. I have no ability to fix this on my own and need assistance.

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