BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
In XXXX of 2022, I was unemployed and contacted XXXX about solutions available to me, due to unemployment. I was on unemployment and receiving government benefits and told them I could provide proof if needed be. They kept telling me they had no programs available to me, even with me being on government assistance. 

In XXXX of 2022, I received a call about my payment missing. I informed the agent that I was unemployed and receiving government benefits. She told me that if I could make a payment of {$170.00} that would cover XXXX and XXXX. She then informed that if I made an additional payment of {$86.00}, that would cover XXXX 's payment. I checked my account and luckily had received my tax refund check and made the payments. 

In XXXX of 2022, I started receiving calls from XXXX saying I was behind again. I questioned how that could be, considering what the lady told me. I asked for them to go back and listen to the call to see what she told me. 

The calls continued into XXXX of 2022 and every time I asked the customer service rep to verify what I was told, they told me they would put it in a request and then get back to me. I then told them I wanted to hear the XX/XX/XXXX call also. I told them if I heard it wrong, I would pay gladly pay them. I also asked about any programs, as I was just recently employed, but had not received a check and they told me they could lower my payments, if I agreed to another 10 years added to the loan. I declined. 

The calls came in once every XXXX days and each time I asked for them to review the call and they told they would and would get back to me, but never did so. 

I submitted an online inquiry on XX/XX/2022, due to not getting a response from them. Before ever getting back to me they alerted the credit bureau of a delinquent account. They finally replied to me on XX/XX/2022. 

This could have been solved before then, had their reps gotten back to me.

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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of distress and 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 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
They are still furnishing the same accounts on my credit report to which I don't recognize. They have closed my complaints but have not given any resolution to remove those unwanted accounts on my files.

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 2021-04-07
Company: EQUIFAX, INC.
State: OH
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 have 3 accounts from XXXX XXXX XXXX on my report that I had no knowledge or consent I would like them to be removed from my report because they are not mines. 1 account was opened XXXX XXXX the other 2 was opened on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: Experian Information Solutions 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:
This is my fifth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00}, XXXXXXXX XXXX XX/XX/2022 XXXX XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: INVESTORS BANK
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BEING CHARGED LATE FEES AND POSSIBLE CREDIT REPORT PROBLEM DUE TO PROBLEMS IN MORTGAGE SERVICING BY INVESTORS BANK I have a mortgage with Investors Bank that I originated 2 years ago and have been paying on-time every month. I sent in my XX/XX/XXXX payment of {$2800.00} as I always do, via online billpay at my retail bank ( i.e. a check gets cut and mailed to the payee. ) Investors cashed the check on XX/XX/XXXX. Investors apparently had changed my escrow amount at year-end and didn't inform me. They called me on XX/XX/XXXX ( they waited until 3 weeks after cashing my check ; and after the XX/XX/XXXX due date for late fees ) to call me and said that I didn't make my XXXX payment because I was {$58.00} short ( they cashed the check and are holding my {$2800.00} in " unapplied funds ''. The amount of the escrow increase that they didn't let me know about. ) I immediately made a payment for that {$58.00} amount on Friday XX/XX/XXXX on my online billpay while on the phone with the Investors rep and updated my recurring payment amount. They said they would " re-send '' my escrow statement. 
On Monday XX/XX/XXXX, I receive a written statement stating that I owe late fees of {$87.00}. When I called the customer service number at XXXX, they said that the online billpay ( i.e. a written check gets sent to them via US mail ) I sent on Friday would likely not arrive before month-end, and they will report this " nonpayment of mortgage '' onto my credit report. 
Now on Monday afternoon XX/XX/XXXX, I'm trying to find a branch of Investors Bank to run to pay {$58.00} to ensure they get the amount before month-end so that they don't hit my credit report. 

QUESTIONS 1 ) Why did they cash my check, then wait 3 WEEKS to call to let me know it was short, after the mortgage due date, to let me know that I owe {$58.00}?

2 ) Why are they charging {$87.00} for the {$58.00} amount owed ( please note that principal, interest and most of escrow were already received ; this is a shortage in the escrow amount ) 3 ) Why have they cash my check for {$2800.00} and are holding it as " unapplied funds '', rather than applying it to my principal and interest? Do I get anything back for them carrying this money interest-free while charging me {$87.00} to hold onto my money?

3 ) Why didn't they send me proper notice and an escrow statement to let me know that the monthly amount changed?

Escrow amounts change often for folks with mortgages if there is more money needed in the escrow account. The above leads me to believe that Investors is likely doing this to numerous other people who have automatic mortgage payments and escrow amounts change. 

CFPB, please help, this is not fair what they're doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
State: TX
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I checked My XXXX XXXX and just noticed that there are two hard inquiries on my credit that I did not authorize in 2017. 

One is from XXXX  XXXX in XX/XX/2017 and the other is from syncs/ Walmart XXXX , Florida in XX/XX/2017.

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 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2019-01-04
Company: BANK OF THE WEST
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
RE : Bank of the West loan # XXXX  For the last fifteen years or 180 plus monthly payments I have had an RV loan from Bank of the West.

I have made the 180 payments in good faith and the loan is now paid off.

But still Bank of the west has done great harm to my credit.

The situation is entirely their fault and I am seeking a remedy.

In XX/XX/2018 my RV loan with Bank of the West matured. I was sent a notice stating such.

The notice simply stated that the loan had matured and offered no other details. I was a bit confused because I still had payment coupons left in my payment book. I called the XXXX number for customer assistance to clarify the situation and get a payoff amount. I was told by the agent that the payoff amount was just over 4000 dollars. I was also advised by the Bank of the West agent that I could simply continue making the standard monthly payment and that would bring down the principal balance to a point where it was palatable to payoff. No mention of credit bureau reporting was made. So I continued to make the standard monthly payment.

I also continued to receive notices that payment had been received.

I thought everything was fine and planned to payoff the loan once the payoff amount was down to XXXX dollars.

In XX/XX/XXXX I received a notice from Bank of the West that the bank was about to report a charge off ( default ) to the credit bureaus. I immediately called to get the payoff amount and make the final payment.

The loan is now paid in full but Bank of the West has nearly destroyed my credit. They have reported my loan to the bureaus as 60 and 90 days late, this was NEVER indicated to me in either verbal or written communications.

At this point Bank of the West has all of their money and interest, I have the RV, but my credit is ruined.

Nor have I been given an explanation of why after 180 payments there was still a XXXX dollar balance.

I think the best way of resolving this issue is for Bank of the West to remove the derogatory credit items from the credit bureaus and restore my credit score. I would also like a detailed accounting of why the payoff amount was so high.

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 2023-12-01
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:
I got a warning to my phone from transunion I put in a report they said it's accurate and it's a lie to XXXX XXXX XXXXXXXX in California I have never request a loan company don't answer phone. It's a XXXX loan. I promise I never borrowed no money

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 2023-12-01
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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. Please find it in your best interest to delete the items

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 2019-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America 's debit card broke and I lost access to my funds so I authorized a transfer of my funds to the Simple account on that day, XX/XX/2018. Bank of America broke the law by delaying my transfer to XX/XX/XXXX despite being required to initiate the transfer immediately after the banking holiday. Bank of America refused to expedite this transfer and refuses to reverse my monthly maintenance fee in atonement for their crime. They lied by claiming the transfer request came through on the 3rd when Treasury regulation simply demands instantaneous responsiveness. BofA has, in offense to the MOVE YOUR MONEY movement, done this to countless customers and should pay heavy penalties.

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 2021-09-13
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX, I'm requesting to have my Loan Modification reviewed for accuracy. 
-XX/XX/XXXX- I contacted my lender Pacific Union to advise of my unemployment hardship. At the time I was current and told I would have to let my account go past due in order to receive assistance. 

XXXX XXXX, XXXX, I received a Financial Package to complete. 

-XX/XX/XXXX- I completed The Request for Mortgage Assistance Application.

-XX/XX/XXXX- I received a letter explaining the Forbearance schedule. I made 3 payments dated XX/XX/XXXX - XX/XX/XXXX. 

After my payments were complete, I called to see what the next steps were. I was told someone would contact me, I contacted the servicer several times due to fear of losing my home. I was told that Pacific Union was closing and my loan would be transferred to Mr. Cooper home loans. 

XX/XX/XXXX- Mr. Cooper acquired my loan From the time my loan was transferred I called several times to get an update, months went by and still no progress was made on my modification request. I was told it's being worked on. 

-XX/XX/XXXX- I finally signed my Modification documents I waited almost a year under distress not knowing if my home would go into foreclosure. I did not receive any type of communication or updates on the status of my modification. 

XX/XX/XXXX- I called in to try to refinance my home to get my rate lowered. Due to the Modification my rate was raise to 5 %. 
I was told I had a {$67000.00} balance from my modification. I was in disbelief what started as {$5000.00} of arrears ends as {$67000.00}. I was never informed of the {$67000.00} balance. 

The process started in XX/XX/XXXX, I was stuck in a waiting period as my loan was transferred and sorted out from the previous lender. 

On XX/XX/XXXX - It took so long that Mr. Cooper sent me a letter apologizing for how long the Modification took with a check of {$500.00}. 

It took over a year for my modification to be finalized due to things that were not in my control and I'm being penalized with a large balance because of it. 

I attempted to upload the

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: Experian Information Solutions 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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from 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, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX APT XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2400.00} ; 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 explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
THIS IS TO EXPRESS MY EXTREME DISSATISFACTION WITH YOUR HANDLING OF MY RECENT CREDIT REPORT DISPUTE REGARDING FRAUDULENT ACCOUNTS. I AM QUESTIONING YOUR POSITION HOW DID YOU DECLINE MY REQUEST WHEN I AM PLEADING AS A VICTIM AND I AM ASKING FOR SOME HELP NOT TO BE JUDGED AND BE REJECTED!!! IT IS DISHEARTENING TO SEE THE BLATANT DISREGARD FOR PROPER INVESTIGATION PROCEDURES AND THE UNJUST REASONS PROVIDED FOR YOUR FAILURE TO BLOCK THESE FRAUDULENT ENTRIES. HOW COULD YOUR BUREAU IGNORE THOSE ARE IN NEED AND HELPLESS? 
XXXX XXXX XXXX- PLEASE DELETE!!! 
XXXX XXXX XXXX- PLEASE DELETE!!! 
Your assertion that these fraudulent accounts can not be blocked immediately is not only unfounded but also indicative of a lack of commitment to consumer rights. Nowhere in the FCRA does it empower you to make hasty judgments without presenting the evidence or demonstrating due diligence in your investigation process? 
I demand that you immediately rectify this situation by conducting a comprehensive investigation into the disputed accounts and providing clear and irrefutable evidence justifying your decisions. You must abide by the legal and ethical standards set forth by the FCRA rather than resorting to baseless assumptions. 
Moreover, your refusal to block these fraudulent accounts is damaging my creditworthiness and causing undue stress. This negligence on your part is unacceptable, and I insist on an immediate correction of my credit report to reflect the true and accurate state of my financial history.

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 2020-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
My specific complaint is that Capital One Credit Cards apparently changed to a " floating : '' billing cycle and this make it impossible to know the exact end of the billing cycle each month. Used to be the XXXX, now it apparently floats and they indicate nowhere on the statement of the app what the closing date for the next month is. I've worked very hard to maintain XXXX balances and this changes has caused me to have a balance for this month. The lack of transparency on when the billing cycle closes is very problematic for the consumer. I called them and they basically told me to go kick rocks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,  XXXX gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX My name is XXXX XXXX XXXX My phone number is ( 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 explanation