BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-02
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 am NOT HAPPY that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion 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 of 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 2023-05-02
Company: Experian Information Solutions Inc.
State: IL
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 am a victim of identity theft please remove this fraud inquiry from 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
Consumer complaint received 2023-02-12
Company: General Motors Financial Company, Inc.
State: TX
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:
Hello my name is XXXX XXXX I have a issue with GM/AmeriCredit. 
It was supposed to come off my credit report this month and I have seen nothing i tried to dispute this item then the date of the repossession disappeared and never came back my account number : XXXX this current matter is hindering my security clearance for the XXXX XXXX. It has been in since XXXX since the repossession. The item listed on the credit report has not been removed as listed on on 3 credit bureaus. 

XXXX XXXX ID XXXX XXXX. XXXX, XXXX Account Opened XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: TX
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX  WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2020-03-08
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:
These are not my accounts. Please remove them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
FAYE SERVICING IS REFUSING TO COMMUNICATE TO THE BORROWER REGARDING FAYE SERVICING SHORT PAYOFF COUNTEROFFER OF XXXX XXXXXXXX AND ACCEPT THE FUNDS. FAYE SERVICING IS ALSO REFUSING TO COMMUNICATE TO THE BORROWER TO PROVIDE THE BORROWER WITH A REINSTATEMENT AMOUNT SO THAT THE BORROWER CAN REINSTATE THE LOAN TO STOP THE FORECLOSURE SALE PROCESS AND STOP THE TITLE FROM PASSING. BORROWER CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2020-03-08
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Applied for Amex XXXX Surpass cc XX/XX/XXXX using specific link from a travel blog with a " XXXX $ statement credit and XXXX bonus points after XXXX spend in 90 days '' offer. Application approved, all seemed well. 

In mid-XXXX XXXX had not received card - wrote into Amex chat asking about delay, explaining I wanted to purchase airline tickets that would easily satisfy the minimum spend requirement I needed - agent replied " manufacturing of the cards was delayed but would be forthcoming ''. 

When I did not see the statement credit by late XXXX after having used the card, chatted again asking " what the date was I needed to have completed my minimum spend '', and " BTW, why am I not seeing that statement credit? ... this time agent replied that I " have no bonus offer attached to my XXXX Surpass  account and was not eligible for it '' ... that " upon application I would have received a popup message of non-eligibility ''. 

Total surprise! - believe me, I most definitely received NO such popup message when I applied or I would not have gone forward with the application. ( I mention my first chat in XXXX above because that was an opportunity for Amex to inform me of the bonus denial - and the agent did not do so. ) Asked if proof could be provided that a popup denial was directed at me ; agent did not address that. 

I am within Amex 's criteria for receiving a XXXX Surpass bonus - never held any XXXX card, hold only one other AMex card of years duration, never canceled any cards, have a credit score well above of 800, never miss paying off any balance in full. I hold reservations for at least 16 stays at XXXX properties over the next several months, and will be canceling every one of them over this. 

Requested on chat that a Supervisor contact me ; within a few days spoke with a rep who simply parroted the same denial and was " unable to provide any specific reason ''. We remained in the same circular argument, my insisting I never received any popup, and she insisting I could not have proceeded without it. I stressed the fact my XXXX chats - with my referrencing the bonus offer - did not spark any notice from the chat agent on the bonus offer being invalid, and that it was not disclosed to me until XXXX. She tried valiantly to convince me " Amex regards me as a valued client, but any reversal is out of her hands '' ... offering me a XXXX $ statement credit as a goodwill gesture. ( Which has not shown up yet ) I did some online research after the fact and find that there are multi reports of exactly this scenario - no evidence of non-eligibility for an bonus on a new-customer application, and persistant denial without specific reasons upon complaint. Add me to the list of reports you already have on this issue, and feel free to contact me anytime.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicing company is manipulating my escrow account to raise our payment constantly, they hang up on me refuse to reanalyze my escrow and are putting miss information on my 1098 mortgage statement to fradulently manipulate our payment continuesly. They are committing fraud against Us and I'm sure their doing it to other mortgagees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a 12 month deferment on my XXXX XXXX mortgage payments due to covid. I made all payments before and after that covid deferral. I started payments XX/XX/XXXX. In XX/XX/XXXX, Wells Fargo called me and said I had to pay in full those 12 payments totaling {$18000.00}. I said I wanted to pay at the end of the loan or when I sell my house. They said I had to pay it all now. I asked to speak to a supervisor. I was placed on hold for a brief time, then told someone would call me back. I confirmed my number, but no one called me back. I received an email from Wells Fargo and was told deferred payments go to the end of the loan. 
I received another call in XX/XX/XXXX telling me I had to pay the deferral in full. I told them I did not and told them to stop calling me. 
I received another call on XX/XX/XXXX, again telling me I had to pay the deferral. I told them they were required to stop and I was reporting them.

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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$460.00} XXXX/XXXX  XXXX Balance : {$160.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX/XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$460.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$460.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX/XXXX XXXX Balance : {$160.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 2023-06-20
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
THIS COMPANY HAD NO PERMISSION TO ACCESS MY CREDIT FILE. NOR DID THEY HAVE PERMISSION TO REPORT THIS BY LAW. I DISPUTED WITH THIS COMPANY AND SHOWED THEM WHERE THEY VAILED THE Fair Credit Reporting Act " FCRA '' AND DEMANDED THAT THEY DELETE THE INACCURATE AND INCOMPLETE INFORMATION OFF MY CREDIT FILE AND DEMANDED THAT THEY PROVIDE COMPENSATION BASED ON THE " FCRA '' IN CIVIL LIABILITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Capital one repossessed my car illegally in XXXX of XXXX. They said I was behind on payments when they received payments back in XX/XX/2023 for over {$5000.00} and they also closed my account down back in XXXX XXXX and written it off. 

They failed to provide me with a 1099c or 1099a for the write off. Reporting different information with different CPAS and never had the consent to share my non personal information with the credit bureaus and ignored my last disputes with them. 

My credit report is not reflecting these payments they received the credit report agencies are not properly investigating. 

They failed to provide me with recent statements. Only statement I have is the one from XX/XX/2023. No XXXX or XXXX statement available showing the amounts they received. They been reversing my payment over and over since they received payments. 


See attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: AMERIS BANCORP
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ameris Bank 's XX/XX/XXXX XXXX XXXX Account Disclosure Statement miscalculates the escrow balance. The analysis includes : 12 months of " Account History '' for the period XX/XX/XXXX thru XX/XX/XXXX ( see page 2 of the " Annual Escrow Account Disclosure Statement XXXX '' ), and 12 months of " Escrow Projections '' for the period XX/XX/XXXX thru XX/XX/XXXX ( see page 1 the " Annual Escrow Account Disclosure Statement XXXX '' ). 

The analysis was done in XXXX, in the Account History section it includes : a " projected escrow disbursement '' of {$1400.00} for Homeowners Insurance for XXXX, but does NOT include a " projected escrow payment '' of {$830.00} for XXXX. 

So the 12 months of Account History ( XX/XX/XXXX thru XX/XX/XXXX ) includes 12 months of escrow disbursements, but only 11 months of escrow payments. No escrow payment for XXXX is included either in " Account History " or in " Escrow Projections ''. 

The result is that the " Payments to Esc. Acct. Actual balance at the end of the " Account History '' section is missing XXXX month of escrow payment. Therefore the new/revised required monthly escrow payment is higher than it should be. 

I've previously called and written Ameris but haven't achieved any correction, they just re-run the analysis with the same result.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/, I contacted the branch in regards to my IRS/Employment Retention Credit for covid-19 XXXX XXXX  owners, that I had received. To my surprise, I was informed by the bank staff, specifically XXXX ( Acct Risk Closures Department ), that my check needed verification from the IRS before the funds could be made available in my account. However, I had already contacted the IRS, who confirmed the validity and legitimacy of the check, they also confirmed that they do not offer check verification internally so I was given misleading information from your financial institution. IRS prompted that the check be verified through https : //tcvs.fiscal.treasury.gov The reason for this letter is to formally request an immediate resolution to two significant issues : the unjustified hold placed on my funds and the lack of transparency regarding the status of the check verification. According to the terms and conditions of my account agreement, the processing time for check deposits is clearly specified, and the bank is expected to abide by the agreed timeline. 

Not only has Bank of America exceeded the stipulated time duration for processing my deposit, but the lack of communication and appropriate feedback regarding the status of the check hold is highly distressing. In particular, XXXX displayed an unprofessional and discourteous demeanor during our conversation. He abruptly hung up the phone without offering any explanation for the extended hold duration or providing me with the necessary details about the check verification process. I was left on hold for hours to be treated poorly and unfairly.

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 2022-04-04
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/2022 I paid of my car loan with Chrysler Capital. The account was subsequently closed and confirmed that I had paid off the car loan. On XX/XX/2022, the Chrysler Capital auto pay system deduced {$400.00} from by bank account as a scheduled payment, although the loan had already been paid off. 

I contacted Chrysler Capital on XX/XX/2022, who pulled my account, and verified the loan was paid off on XX/XX/2022. They were unable to find a record of the auto payment on XX/XX/2022, even though I had the payment confirmation number to provide them. They told me they could not explain the charge, and could do anything. 

Chrysler Capital is continuing to make unauthorized withdrawals from my bank account for a loan that does not exist, and I can not stop it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Credit Report mailed to me dated XX/XX/19 contains no reference to an account with XXXX XXXX XXXX. Reference to an account with XXXX XXXX XXXX appears on the online credit report I have just viewed. This materially and negatively affected my credit score as detailed in complaints XXXX 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 2022-04-04
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I tried to make a purchase using a {$25.00} AmEx gift card at XXXX XXXX 's website. The order was cancelled so I attempted to put the balance on my XXXX XXXX account. After several attempts without success, I contacted AmEx customer service. They told me to wait until a specific date ( XX/XX/22 ) for XXXX XXXX put the money back to the gift card. I waited and tried again without success to put the card on XXXX XXXX so I contacted customer service again. They told me that the card was locked after too many attempts but that I should try again the next day. I waited several days and tried again with no success, so I contacted customer service once again. They said a supervisor would contact me but I received no such call. I tried a second time on XX/XX/22 and was told a supervisor would call me within XXXX hours. No call ever came so I tried to buy a XXXX XXXX gift card today but the card was declined. I tried calling customer service again today but was disconnected after XXXX minutes. I have now spent more than XXXX hours trying to use a card that can not be used and the company will not either send a physical card or cancel the current card and offer a new card. I am now out of the {$25.00} value unless this Bureau will help me.

Company response to consumer: Closed with non-monetary relief