BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. 

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 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 non-monetary relief
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2024-01-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I made an insurance payment of {$130.00} for my auto insurance. Everything appeared okay with this until I received an email from Bank of America stating that on XX/XX/XXXX I did not have enough money in my account ending in XXXX to cover my transaction. The following is a copy and paste exactly as the email read. 

Your account may have insufficient funds On XX/XX/2023, you didn't have enough money in your XXXX XXXX XXXX account ending in XXXX to cover your transaction ( s ). 
Balance after transaction ( s ) and fees : {$180.00} Transaction type ELECTRONIC PAYMENT Amount {$130.00} Transaction paid? No Fee {$0.00} Check your balance. If it's negative, make a deposit right away to bring it above {$0.00} and have enough money to cover upcoming transactions. 

There was {$180.00} in my account and the payment was for {$130.00}. This makes no sense to me but as I was logged into my Bank of America account and speaking to the rep over the phone telling her the payment had NOT been returned I watched the screen change and suddenly the check showed up as returned. I have no clue why they did this but the rep tried to explain that the posting I was seeing was not the way it really was. It was some other way and she tried to tell me where I could go in my account to see the way my transactions REALLY posted. I have no clue what she is talking about but the view I was looking at is the same one I have always relied on to check my bank account. I am sending you a copy of the email they sent me and a copy of my bank statement exactly like it is online. I do not see a problem at all with the way I did things and was not charged a fee. I'm sure I know why now. I just want to make you aware that Bank of America is doing something that is not right here and I would like you to look into it for me. They have been in trouble before for rearranging transactions to generate overdrafts and this is similar to that type of business. If this is what they are doing I do not want to do business with them any longer. Please look into this for me. 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 2024-01-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I emailed XXXX XXXX  to tell them I'd been double charged for the same transaction ( identical debits ... XXXX ). They responded saying they refunded my purchase, and the debit to my account is nowhere to be found on my checking debit history. Bank of America is permitted to manually alter the balance of my account without reflecting my list of transactions?

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 2023-07-08
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was selling my condo in XX/XX/2022. The closing statement showed that I owed {$230000.00} with a scheduled close date of XX/XX/2022. We sent {$230000.00} to cover the interest for the first week, plus another week in case of a delay in closing. The title company said this was standard, and I'd receive two checks from my mortgage company after closing : ( 1 ) the remaining escrow balance, and ( 2 ) the overpayment on interest.

The transaction closed on time. Weeks after the closing, I received one check which was a payment of {$3200.00}, representing the balance of my escrow account. I did not ever receive the overpayment of interest, and I owed no other fees and had no outstanding debts. By my estimate, I am owed roughly {$370.00}. 

I have contacted the Mortgage Company, Loancare, repeatedly, asking for a breakdown and explanation. All that Loancare says is that I am not owed any additional payments ( they did subsequently send me a check for {$5.00} after I complained, stating they noticed an error -- this was not a settlement check ). 

LoanCare has stopped responding to my correspondence.

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 2023-02-04
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On or around XXXX XX/XX/XXXX TransUnion returned the results of an investigation regarding the payment history and account status for a XXXX XXXX in my credit file. In my original dispute I pointed out the inchoate nature of the alleged payment history, alleged charge-off, and alleged Date of First Delinquency. The results of the investigation provided a new set of payment history, charge-off status, and date of first delinquency that is different, but equally inchoate. I filed CFPB complaint XXXX with TransUnion and CFPB complaint XXXX with XXXX on or around XXXX XX/XX/XXXX. I have disputed with XXXX directly regarding the issue on XXXX Nov 2023, 22 XX/XX/XXXX. TransUnion conduted a reinvestigation and generated results on or around XXXX XX/XX/XXXX. XXXX last conducted a reinvestigation and delivered the results on or around XXXX XX/XX/XXXX. Both XXXX and TransUnion now report the same inchoate payment history, inchoate charge-off remarks, inchoate charge-off status, and inchoate date of first delinquency. XXXX claims they are not responsible in their XXXX XX/XX/XXXX response to CFPB complaint XXXX, " Please understand that XXXX is responsible for providing this information to the credit reporting agencies ; however, the credit reporting agencies have their own policy for reporting the information that is displayed. '' On or around XXXX XX/XX/XXXX XXXX responded o CFPB complaint XXXX, alleged payment history that neither matches the history as reported by XXXX nor XXXX payment history reported by TransUnion. With XXXX and TransUnion having both conducted an investigation that provided a set of rsults, and at least XXXX ( XXXX ) renvestigation from each that provided verbaitim incorrect results, and a different set of results than that of the prior investigation, XXXX and TransUnion know or have reasonable cause to believe the information is false/misleading/inaccurate. It is patently erroneous and does not meet the maximum possible accuracy standard under XXXX XXXX XXXX. At this point the investigation and re ( investigation ) process has demonstrated an inability to generate accurate information for the account/tradeline. Thus I am now asking for relief that removes the payment history for all months in XXXX and XXXX and that XXXX be blocked from providing any additional information for the account/tradeline.

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 2023-04-27
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I feel like im being taken advantage of and being ignored of my disputes Section 611 ( a ) it is plainly stated that a failure to investigate this item within 30 days gives a reason to immediately remove those item from my credit report so they should be deleted promptly. i demand this account be deleted immediately or i will file litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I have submitted my Employment Certification for all of my XXXX XXXX  periods and my eligible payments towards XXXX has not been applied. I should have over XXXX payments to begin my loan discharge but MOHELAXXXX XXXX XXXX has failed to count these correctly and applied them to my qualifying/eligible payments for the dates of XXXX. Ive been told I just have to wait but XXXX and MOHELA has had this paperwork for over XXXX  years but they are not applying it correctly. They've approved once but failed to enter my employment end period of XX/XX/XXXXXXXX  correctly, for some reason, their staff entered an employment start and end date or The XXXX XXXX of XXXX which is incorrect. They want me to submit additional paperwork and all the information from the HR Director, XXXX XXXX is there in the letter that I uploaded to their site on XX/XX/XXXX, they keep failing to review the letter fully and want me to resumbit the same information in a different format. Its ridiculous!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/2024, After not being able to log into my account to retrieve my account number, i went in person to my nearest Bank of America to get the information but i was yet again directed to an automated voice machine who couldnt properly handle my problem. I tried dozens of times to retrieve an authorization code only to be met with the same responseThat I need my account number, I couldnt access my account number because my card & mobile app was locked. Causing a circular dilemma i cant seem to get through to my money or my mobile app BOA account. Due to this situation im going to be late on paying my monthly rent & other bills. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly. In accordance with the Fair Credit Reporting Act the list of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 NUMEROUS 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 XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; ( Original Creditor : XXXX  ) XXXX Balance : {$1100.00}.

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 non-monetary relief
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: AR
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 appreciate your time to correct some of the misleading information previously reported on my credit file. Right now, I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining accounts need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the following accounts below : XXXX XXXX Balance : {$23000.00} ; XXXX XXXX Balance : {$23000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a co-signer on this loan. On XX/XX/2023 a late payment was recorded on my credit in the amount of {$4900.00}. The person who was responsible for the payments had trouble with the website making the payment. She contacted them to fix the problem and they agreed to remove the late. My credit is reflecting the late payment causing me harm. I contacted them to have the late removed from my credit. They said they would but I would need to send a dispute letter which I did. They did not remove the late from my credit. I then requested an error letter that I could present to the XXXX credit bureaus. They would not provide me 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 2023-08-06
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I created an online account and supplied information including my bank information to avail of Pangea Money Transfers introductory exchange rate. I received several messages including a confirmation of my money transfer. A withdrawal was immediately taken from my bank account. 

However, I received another message after the confirmation earlier, asking for more information in order to complete the money transfer by calling their ( XXXX ) number. A recording said that their office is closed for the night. 

An email was sent this time, informing me that the money transfer has been canceled and the refund will take days to process back to my bank account. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: SC
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:
Account : XXXX XXXX XXXX XXXX act # XXXX Account : XXXX XXXX XXXX acct # XXXX I was never late on the paid off accounts and accounts listed above please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account If u can not supply this please delete this alleged late payments from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2023-04-27
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
my license was stolen. today i received a notification from a credit bureau stating that hard inquiries were recently posted to my credit file and also that there was a new address showing for the state of new jersey, added to my file as well. the inquires i listed are fraudulent as well as the new address that's listed. attached is a copy of my identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 AM WRITING TO DISPUTE THE FOLLOWING ACCOUNTS. I DID NOT OWE THIS DEBT AND IT DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE. PLEASE REMOVE THESE ACCOUNTS AND SEND ME AN UPDATED COPY OF MY REPORT AFTER THE INVESTIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
PHH Mortgage- phhmortgage.com This company is a fraud disguised as a legitimate business. 

> They are impossible to get ahold of and do not have call center agents who can speak english well enough to manage a something as important as a mortgage. 

> They put up barriers at every turn > They do not communicate with you if there is a late payment.

> They charge a fee to get payoff information that should be free and available immediately.

> Payoff information is not remitted for 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
LVNV funding is attempting to collect a debt that according to XXXX in XXXX XXXX under my name reflects this has been dismissed without prejudice on XX/XX/2022

Company response to consumer: Closed with explanation