BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-20
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:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XX/XX/2022 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 2023-08-01
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A letter requesting in investigation into this matter was send to all three credit bureaus with no response. I would like for these accounts removed form my credit profile. XXXX XXXX  Balance : {$190.00} Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} Account # XXXX Open : XX/XX/XXXX XXXX XXXX XXXX Balance : {$800.00} Account # XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} Account # XXXX Open : XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$1400.00} Account # XXXX Open : XXXX XXXX XXXX XXXX Balance : {$450.00} Account # XXXX Open : XXXX XXXX XXXX XXXX Balance : {$710.00} Account # XXXX Open : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: Home Point Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Most recently Home Point Financial sent my homeowners insurance payment late causing my policy to be cancelled. But this is just the most recent delinquent actions they have taken with the serving of this loan. 

The previous event occurred when Home Point Financial has incorrectly reported to XXXX late on my mortgage payment. The events that are date stamped below can be proven by canceled checks and bank statements. 

NO PAYMENT WAS EVER 30 DAYS LATE. The only acceptable resolution is a correction to my credit report and a refund of every late fee ever charged to me. 

I always pay my mortgage about 15 days ahead of time. 


The problem really begins and stems from the incorrect processing of payment on XX/XX/XXXX. 

XX/XX/XXXX, XXXX I made a payment intended to be my XXXX payment. Your processing center incorrectly applied this payment to principle. Which has caused all other " early '' payments to appear late. 

XX/XX/XXXX, XXXX My bank sent out a payment that was the amount of the loan prior to the escrow adjustment XXXX. 

XX/XX/2022 -After realizing the bank has done this short pay I immediately send out a check for the difference of XXXX. Please see attached documentation ( Check # XXXX ). This check is clearly received and deposited by Home point. 

XX/XX/XXXX, XXXX Home Point Financial reports to XXXX that I am 30 days late. My almost perfect credit score of XXXX drops over 60 points to the low XXXX. 

XX/XX/XXXX, XXXX You assess a late charge XX/XX/XXXX, XXXX I make a payment of XXXX XX/XX/XXXX, XXXX You XXXX another late charge of XXXX XX/XX/XXXX, XXXX I make the 3rd payment of XXXX Home Point misapplied my payment on XX/XX/XXXX to the principal causing this entire situation. I have now paid late fees ( when I wasn't late ). You have caused my credit to drop from " excellent '' to " good. '' And I have now made my XXXX mortgage payment 2-3 times? 


Please see all the supporting documentation including canceled checks and bank statements. I have never in my life been late on a mortgage payment. You have created a terrible mess by misapplying the payment on XX/XX/XXXX to principle. I need this situation fixed immediately. I want every late fee ever charged to be refunded and most of all I WANT MY CREDIT REPORT FIXED!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX and I am submitting another CFPB Complaint to request your assistance in correcting erroneous information on my credit file. There are accounts that belong to me but are reporting inaccurate status, which is misleading and adversely affecting my creditworthiness. I have reviewed my credit report and identified the specific accounts that require correction. Despite my attempts to resolve the matter with the credit bureaus and the creditors, the inaccurate information remains on my credit file. I am demanding you to please correct the following accounts as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$33000.00}. Under the Fiar Credit Rporting Act, I am entitiled to request an investigation and ask you to correct the erroneous information being reportedon my Credit File.

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 2023-07-04
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
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 being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data 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 2020-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My complaint is about charges made to my Bank of America account in the amount of XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX : As of XX/XX/19 the company is no longer in services shut down by the FTC and I was promised services for the big holiday weekends to help with sales and marketing. I have no access to any of my notes lessons and mentors for which I paid for my advanced education. Everything was at introductory level I never received my advanced education I richly invested in. I paid for 24 hours access to educational resource center ( website taken down by FTC ), Lessons with perfecting your pitch mentor which only happen once a month I received one introductory call. I paid for 10 Customized Mentor Calls for which the package was made for ( I only got one introduction call, my first call was only 10min, ( not what I invested all this money for. ) I  received XXXX  XXXX XXXX build logo and XXXX XXXX XXXX XXXX XXXX for one year to help with sales ( I no longer have access and never got landing page ) I was to have a XXXX XXXX  XXXX XXXX XXXX webinar and streaming ( never got that service worth over 6,000 ),  social media jumpstart working with a social media mentor ( only one introductory call and one assignment call which the company closed before we completed the task ) I was given a guarantee certificate to triple my investment of my tuition price XXXX which XXXX was charged to B of A account on XX/XX/19. On XX/XX/19 I also received a service commitment to see 100 % of my advance training back of XXXX which XXXX, was a debt of this service charge. Because of the companies fraudulent motives B of A has shut down my credit account due to utilization of my credit being too high and too many cards with balances which prevented me from being able to use my credit to start my business which was the sole purpose of getting the capitol. This too the company promised me and has failed me and left me with a bill Im disputing.

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 2018-10-23
Company: Experian Information Solutions Inc.
State: TX
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:
For almost a year Experian has not fixed a problem with me accessing my credit report. I have submitted severl complaints to them about this issue. Nothing still has been done and it is adversly affecting my credit.

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 2020-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
They are reporting a collection account with XXXX XXXX XXXX in the amount of {$220.00} on my credit report. This is not my account and I have disputed this several times with the credit bureau.

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 2023-08-28
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan at TitleMax in XXXX, Georgia with my XXXX  XXXX XXXX XXXX as collateral, To pay for a funeral. I did not notice recently that nothing goes towards the principal ( XXXX ) dollars monthly payments go towards payments. I have seen a XXXX about the television news station XXXX on XXXX investigating the company. So I called and asked the young lady on XX/XX/XXXX at Titlemax, and asked her how much my payment goes towards my principal, and she hesitantly told me XXXX! You have to pay more besides your payment to go towards the principal. If I had known this upfront I would have gone another direction. I am a 100 % XXXX veteran, this has placed me in a field of nightmares. I later found out they are not supposed to loan active-duty soldiers at all! What about protections for us veterans? How could you take advantage of someone who has put their life on the line? For what so you can lie and cheat Vetrans! I feel sick to my stomach. I need help with this please help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: CNG FINANCIAL CORPORATION
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I been out of work for 5 weeks. I do receive ssi about {$530.00} a month. But right now it's just enough to pay my rent and food bill. I have made numerous calls to check n go but I have not been able to get my payments deferred until I get some money I always pay my bills on time nothing I can do right now until the economy open up or I get unemployment I'm waiting on stimulus check nothing came yet

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: ERC
State: NC
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 account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: LA
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  Account XXXX XXXX XXXX account # XXXX XXXX XXXXY account # XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX & XXXX XXXX account # XXXXXXXX XXXX account # XXXX XXXX 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 without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX 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 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 2023-09-07
Company: Upstart Holdings, Inc.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XXXX XXXX, via recurring scheduled transactions through my credit union 's online bill pay service, a check for {$210.00} was sent to Upstart utilizing the information known to me at the time ( which is the same information used for the last 2 years on the loan ). On XXXX XXXX, I received a payment reminder for this loan. This was not unusual. On XXXX XXXX, I received notification that Upstart had not received the payment. Upon further investigation, the payment information was changed without notification by Upstart, causing the original check issued by my credit union 's bill pay service to be lost. I received no letters or emails indicating a servicing change. 

Repeated phone calls amounted to " It doesn't matter. Get us the check, or we'll start charging late fees and report it to the credit bureau. '' The email they sent me tells me that they do not have to give me notice of address change. 

At this time, Upstart is threatening late charges as a result of this and refusing to work with me to correct the situation. 

Upstart has violated section 13 of their promissory note : Upstart will also give me notice if I pay by check and the transfer changes the address to which I must make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On Experian it states the I owe {$310.00} to collection that was past due to XXXX XXXX XXXX XXXX, account number XXXX. The date opened was XX/XX/XXXX, however I was locked up from XX/XX/XXXX until now so the is a result of identity theft and I wanted it disputed but Experian stated that the debt to collection remains

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 2021-03-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I made a check deposit at Wells Fargo ATM XXXX in XXXX location on XX/XX/2021 XXXX XXXX. I printed the receipt which says the funds will be available on XX/XX/2021. I knew it usually takes 2-3 business days for funds to clear up. At the end of the second business day i.e XX/XX/2021, I called Wells Fargo Phone Customer service about the deposit and if there were any issues. I was told by the agent that she could not find any information about the deposit. 

I called the check issuer to verify the validity of the check and they told me check is valid and should there be any issue, bank could call the number on the back. I was assured. 

I went to the same branch location where i had deposited the check at the same branch 's ATM. One of the Wells Fargo Employee helped me with the issue. What he told me what had happened really shocked me. He told me that the ATM or system read the same check twice, crediting me twice the amount of the check. He also said that later they fixed it by removing one of the reading, or say they made a correction to erroneous deposit. 

While they were supposed to take off just the copy of that check, my original check was took off too. Technically there was no deposit as during correction they managed to wipe the original entry for the check too. 

Now I don't have the money when i need it and the bank told me i'll have to wait 10 days at least to hear anything from them. I had plans. I had payments due. My life is miserable now since i don't have the money. The Wells Fargo bank just took my check and my money and pretty much left me to starve. 

I am worried. I am stressed. I am gon na have a lot of troubles because i don't have the money. I don't have the money because some bank didn't do what they are supposed to. Now whatever their reason may be, I feel like my money is being held XXXX when it should be freed to me. 

If they keep my money for 10 days, how much interest would they pay me? XXXX. Will they compensate for my fees that will incur because of this? No. 

That is why I have to make this complain. I hope this finds some resolve. 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 2022-11-01
Company: Experian Information Solutions Inc.
State: PA
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:
Greetings, they are furnishing data and information to public without my permission, as a consumer they do not have the right to report any lates and or information without my permission and or consent..

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 2020-04-13
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
My Bank, Navy FCU sent me a very misleading email offering auto loan refinancing for rates as low as 1.79 %. When I clicked, learn more the page directed me to sign in and apply. 

The approval interest rate came back for 3.89 % which is the same rate I currently have with another bank. I called and found that the 1.79 % only applies to New cars being refinanced. 

I feel that this advertisement is very misleading. This caused me to have a hard pull on my credit report for no reason or benefit to me. If the initial email would have differentiate between new and used rates starting point, I would clearly have identified that the used car interest rate was the same as the one I had currently and never would have applied. 

Now, I am affected by a hard pull to my credit report that will not fall off for 2 additional yrs. this is misleading and unfair to consumers. Particularly, how calculating the email and site directed to was set up. I feel totally bamboozled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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