BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom it may concern, I received a copy of my credit report with the intention of trying to improve my credit and take care of responsibilities and noticed a few accounts that need more clarity. I am not 100 % sure if they are accurate. I also read something called the Fair credit reporting Act where by law I have a right to challenge anything I am not sure is accurate. Some people are reporting things on me that dont seem accurate. 

Are you familiar with something called 15 Usc Sec 1681a? I heard that if you cant provide proof, these accounts need to be deleted immediately! Well I want these accounts deleted if they are not 100 % right and correct. So you have up to 30 days to complete this investigation, which was confirmed by a lawyer. Please investigate the following accounts and remove them if the information is not correct! 
My student loans are not consistently the same information across the 3 credit bureaus. So i am confused as to why the dates arent the same because per law, these pieces of information have to match identically with the 3 creditors. 

Also any type of credit transactions whether its finance, leases, loans, purchases have to be cash in hand. I never received any type of compensation for those loans. 
Per 15 U.S. Code 1679, these transactions were never done which is a violation. 

Also XXXX was sold to a different company and bought out and i was never sent any documentation on what I owe or moving forward

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 2022-04-14
Company: LoanCare, LLC
State: NH
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:
Loan care is reporting my mortgage 180 days past due while I was in forbearance. I call and they tell me that I need to resolve this matter. They are breaking the law and delay upon delay I. Getting it fixed.

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 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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.

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-11-03
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:
In accordance to the Fair credit reporting act This creditor ( XXXX ) has violated my rights. Under 15 USC 1681 section 602 states i have the right to privacy 15 usc 1681 section 604 a section 2 also states that a consumer reporting agency can not furnish an account with out my written instructions. Under 15 USC 166b a creditor may not treat a payment on a credit card account under and open and consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
As a recap from my last complaint, my loan modification was approved and then taking away due to a payment that was authorized for me to submit upon receiving the loan papers. According to XXXX with PHH mortgage, he advised me I could submit my first payment once I received the loan modification approved papers. Well, I didn't receive the loan modification papers until after the due date which made my first payment late and in results PHH pulled my loan modification from me. I advised them to pull the phone call with XXXX and myself conversation indicating it was still okay to submit payment although it was past the deadline. 

PHH mortgage apologized for error and said they will give me another loan modification. As of today I have not received a modification or any other offers and PHH mortgage have started foreclosing procedures. According to the letter I recieved dated XX/XX/2019 they were considering me for a loan modification and advised me there was nothing for me to do while they're looking into my loan modification. PHH mortgage said they will not consider any foreclosure proceedings and there will not be any mortgage late payments reported to credit bureaus while the loan modification was being considered. Well, PHH lied! I received foreclosure letters while they were considering me for the loan modification and PHH mortgage also where reporting late payments to the credit bureaus. 

I have attached corresponding letters to support my complaint. 

Please help me save my home! I'm not sure why they haven't listen to the phone conversation between XXXX and myself discussing the loan modification. This will surely clear up the error on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 las violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # Ending in XXXX, XXXX XXXX Account # XXXX, XXXX, Account # Ending in XXXX, has violated my rights. 

In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C 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 rep agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency mu make any consumer report containing any of the following items of information Any other adverse item of information, other than records 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 2022-04-12
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent Outsourcing continues to call my place of employment last call was today XX/XX/XXXX in the AM, calling my personal cell phone multiples times a day, and has sent emails on XX/XX/XXXX and XX/XX/XXXX. I replied to the first email from XX/XX/XXXX on XX/XX/XXXX with the attached letter stating this debt is not mine and I am requesting proof in an itemized bill with my signature that shows the debt is mine. I informed them this is the law, and they are not to contact me until I they provide the documentation requested. In addition to sending via email I mailed a hard copy of the letter on XX/XX/XXXX. 
I have continued to receive calls and emails, but no documentation as requested. Today I filed a complaint on their website submitted through their internal form stating I sent them a letting via mail and email on XX/XX/XXXX requesting no contact until written verification of the debt is provided. They continue to violate the FDCPA guidelines and continue to refuse to provide requested information while harassing me at my place of employment, email, and personal cell phone, I would like the information requested to prove I do not owe this debt and my credit remains free and clear, until that information is provided, I would like Convergent to no longer call my cell phone, place of employment, email me, or reach out other than in writing with the information requested. 

Convergent email me on XXXX and XX/XX/XXXX I responded to Covergents email on XXXX, mailed hard copy of letter on XXXX and responded on XX/XX/XXXX they are not to contact me per my letter until I receive written documentation that is itemized and has my signature. To this date I have not received any documentation. 

Convergent called my place of employment on XX/XX/XXXX Convergent calls my cell phone daily.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: EQUIFAX, INC.
State: AR
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 was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. 

XXXX XXXX XXXX {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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:
I have asked the credit bureau to change my address to my current address and they will not change it. I do not get any mail at XXXX XXXX XXXX, XXXX, Tx XXXX My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas 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 2020-05-09
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There was fraud on my bank account. Someone used my card for 4 charges, 3 small charges for XXXX totalling {$73.00} and a large XXXX charge for {$2000.00}. I did not make any of these charges. The bank also charged numerous overdraft fees @ {$36.00} each. I filed a claim and the claim was denied in all charges after an 8 day investigation. I did not make any of these charges, the charges immediately issued created a bank fraud hold and the bank approved the {$2000.00} charge while I only had around {$1000.00} in my account leaving me a negative balance of {$1200.00} - this charge should never have gone through or been approved. The bank has not protected my money, they offered to do a 45 day appeal investigation. I have banked with them for 25 years and never had a fraud issue but yet these claims were denied?

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 2023-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, Bank of America allowed an unauthorized bill pay credit card payment withdrawal from my checking account in the amount of {$960.00}. I detected the withdrawal immediately the next morning and contacted the Bank of America " fraud department '' at exactly XXXX XXXX  when the bank opened on XX/XX/XXXX. I made a total of XXXX phone calls between XXXX XXXX and XXXX XXXX on XX/XX/XXXX. I was transferred and passed between various Bank of America offices in New Mexico, North Carolina, Mississippi, Alabama, Florida, and Texas. Those teams included fraud teams for credit cards, deposit accounts, debit transactions, bill pay, digital fraud, etc. Not a single one of those teams could open a fraud dispute. One agent told me she opened a dispute, but didn't. There was no record when I tried to verify the dispute. I was passed back and forth between the same two teams multiple times. It was a nightmarish bureaucratic exercise in futility as no " fraud '' team would take responsibility or had the authority to open a dispute until at XXXX PM after talking to XXXX different fraud agents for nearly XXXX hours, one agent found a way to open a dispute. Although a dispute may have been opened, I have to formal response from the bank and the {$960.00} has not been returned to my account.

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 2020-04-03
Company: Harpeth Financial Services, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
My loan has set direct debit days from my checking account. The days were set up for the XXXX and the XXXX of the month with a 360 % interest rate. I recently missed payments in the month of XXXX. My account was debited multiple times but there were insufficient funds available in XXXX. The payment was unsuccessful. My account to my knowledge had been taken off auto pay because the last payment was made online by me. My complaint is this company withdrew money from my checking account without my approval for the withdrawal date change. The withdrawal was on XX/XX/2020 for the amount of XXXX and again on XX/XX/2020 for XXXX and without warning. This came at the time when the world is facing a pandemic and my state is on a mandatory stay at home order. I am currently not working and have only my VA XXXX monthly payments deposited into my account. My complaint is the withdrawal of money from my checking account without my approval for two consecutive days. The days the money was taken out was not approved by me. I called the call center to inquire as to why my account was debited without my approval and I was instructed by an agent that the company has the right to debit my account at will if the money is not available on the agreed-upon dates. I asked for this in writing, I asked for the policy, and I asked for my contract with them mailed to me along with an itemized receipt. I was told that I could have neither. I was emailed a basic receipt of the information I already have. I thought the law was consumers are allowed a receipt with all payments. I do not know the balance prior to my payments or the interest that the account accrued over time. The agent did not know anything about my account amount and she was unable to answer any questions I had. She only answered what I already knew. She did not know any of the answers to the laws pertaining to loans in my state or the reporting agency for the agency she works for. I paid off the account as of XX/XX/2020 with my savings I had set aside for this mandatory quarantine. I was in fear that this company was going to debit my account without my permission again. I asked for my account to be closed and for information stating this as well. As of this time I have received neither. I have attached a few of my receipts sent to me by the agent, it only shows my principal balance after my payment. As you can see my last to payments the majority was made to the interest. I have no idea what that amount was.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, 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:
I have asked the credit bureau to change my address to my current address and they will not change it. I do not get any mail at XXXX XXXX XXXX, XXXX, Tx XXXX My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Bread Financial Holdings, Inc.
State: MD
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:
Contacted Comenity Bank via secure messaging on XX/XX/XXXX ; no response received to date. 

PAYING INTEREST. Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on balance transfers and cash advances on the transaction date. We will begin to charge interest on new purchases made under a Low APR, Equal Payment or Budget Payment Credit Plan from the date of purchase. 

With respect to 2nd sentence above, Comenity is doing the exact opposite. Interest on Purchases and Interest on C/A detailed below. 

XX/XX/XXXX statement - Payment due by XX/XX/XXXX - Payment made XX/XX/XXXX XX/XX/XXXX statement - Payment due by XX/XX/XXXX - Payment made XX/XX/XXXX - ( {$35.00} + {$7.00} ) XX/XX/XXXX statement - Payment due by XX/XX/XXXX - Payment made XX/XX/XXXX - ( {$49.00} + {$15.00} ) XX/XX/XXXX statement - Payment due by XX/XX/XXXX - Payment made by XX/XX/XXXX - XXXX {$46.00} + {$10.00} ) XX/XX/XXXX statement - Payment due by XX/XX/XXXX - In process - ( {$38.00} + {$15.00} ) Please credit {$210.00} or explain.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: FinCo Services Inc DBA Current
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On or about XXXX XXXX I Deposited : {$5000.00} Dollars on my Current Card after that deposit my Card was closed without me knowing and I try to settle and to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX 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