BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-08
Company: Shellpoint Partners, LLC
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
In XX/XX/XXXX, I knew that we were going to have trouble making payments in connection with the COVID19 Pandemic so I called to see what our options would be. The representative that I spoke with said that there were no options that she could discuss until we were actually behind on payments. I argued that I wanted to know what options were going to be available before we were late but she said she didn't even have access to that screen and couldn't transfer me to the right department until we had missed XXXX payments. Since that didn't apply to XXXX  ( we were still current ) I hung up XXXX. 

On our XX/XX/XXXX mortgage statement, the bottom stated that we may be eligible for COVID19 Assistance and to call to see if it was an option. I called the number listed around this time, and again I was told by the representative that nothing could be started until we had missed XXXX payments. At that time, we had made our XXXX payment. 

XXXX  in the XXXX, I saw an article from the CFPB that COVID19 forbearance was still an option and that I didn't need to wait until we were delinquent to explore those. I started the process on the mortgage company 's website and it looked like it was working- I was able to start the application for COVID19 assistance and enter the details of our temporary hardship but then the website started erroring out. I applied instead for other assistance options around XX/XX/XXXX via the website. I was assigned a case XXXX, XXXX XXXX I emailed with him on XX/XX/XXXX stating that I believed we qualified for the COVID19 forbearance. He told me via email that the COVID forbearance was retired on XX/XX/XXXX. He instead put in our application for standard income reduction forbearance. We were granted a XXXX forbearance starting XX/XX/XXXX. 

I researched extensively and couldn't find any XXXX confirmation that the XXXX assistance was discontinued. Per the CFPB website, it shows it's still an option and only FHA had discontinued the forbearance options. I also think it's highly suspect that it was " retired '' right before I applied for it. The COVID19 pandemic is still definitely happening ( cases are as high as ever ) and still impacting our income. 

We want to keep our home and have never been late or behind before. We have every intention of paying this back in a timely manner, but we do need assistance to get through this XXXX  time and believe we are well qualified for this COVID19 assistance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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:
The bankruptcy needs to be removed from my report. The bankruptcy case was filed in error. The case never entered judgement. The case was closed by the Judge. The trustee was cancelled. No money allocated. Judge order signed XX/XX/2018. Case # XXXX Experian says they been getting data from XXXX XXXX who is reporting I went through a bankruptcy. This is false. There was never any judgement. The judge closed the case XX/XX/2018. 
XXXX XXXX has been reporting false info. for years. I would like to sue 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 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ( US DEPT OF EDXXXX ) .... 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 non-monetary relief
Consumer complaint received 2023-03-25
Company: Experian Information Solutions 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:
This is my first complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX : {$1000.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$4100.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX OF XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been working on my credit since XXXX this year and I have sent mail to the TransUnion, and TransUnion mailed me letters stating I was a credit repair agency and could not resolve the issue. I have been in the dark about my personal credit since XXXX XXXX, XXXX. I have not heard anything and they have violated my rights. I need these negative items removed from my credit report. They have violated my legal rights! It has been well over 60 days with no communication via mail, or email. 

Accounts listed below & Dates of letters sent on XX/XX/XXXX, and XX/XX/XXXX : XXXX. XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX / XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX Account Number : XXXX Please remove it 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 2022-06-14
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: Investigation took more than 30 days

Complaint:
No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ). ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. This is fraud pursuant to 18 U.S.C 1028 ( a ) ( 1-8 ) and can be punished not more than 15 years in jail or a fine.18 U.S.C 1028 ( b ) ( 1 ) ( A ) ( I-ii ).

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 recently reviewed a copy of my credit. I was shocked to learn I have been a victim of identity-theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report immediately. I have attached my ftc report, please view attachments, by law I read these are supposed to be removed from my credit report 14 days after this open. I've attached my ftc report as well.

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 2023-02-18
Company: OPORTUN FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Hi My name Is XXXX XXXX I received a personal loan in the Amount of {$5000.00}. 

From Oportun Inc Loan No XXXX was paying on time and I was Surprise to find on the credit report that OPortun Report 2 late Payment in XXXX and XX/XX/2021 XXXX contact the Lander to do Good Will Deletion they refuse to do it When I called and I talk with one member of the customer He told me the company had some issues with the software. The LoanHas Been Paid off. 
I am asking you to Intervene in this Matter.. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My daughter 's creditor has been sending me debt collections emails ( addressed to her ) which contain her name, the the amount owed and the name of the creditor. My daughter did not give them permission to use my email nor to share information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: NCS, Inc
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive been told I owe XXXX to a XXXX XXXX XXXX by NCS inc. Ive already told them on the phone and written letter that it is not my debt and most likely an accounting error. Ive asked them to stop harassing me over the reported debt because it is not mine. I recieved a statement from the creditor showing past purchases with amounts and dates. The statement also defends my claim that the amount is not mine and couldnt possibly be mine. All transactions leading up to the final amount which is disputed took place on a Tuesday. The day he came to our shop on his designated route. Was a Tuesday. All transactions that took place were paid in full the day of the transaction. The disputed transaction which occurred on a random Friday was also not paid for. My payment history and the transaction day of week history is more then enough to prove this debt was and is not mine. We would have never done business on a Friday. And since I had a COD account I would have never been able to charge an amount. Ive explained this to the collection service and asked them to stop harassing me and they still continue to call and send me letters threatening to damage my credit if I do not pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Toyota Financial Services violated federal law 15 USC 1605 pertaining to my finance charge. I made {$10000.00} down payment in this consumer credit transaction and that was supposed to be included in the finance charge. The premiums I paid for liability was also supposed to included in the finance charge. These these facts was not disclosed to me in this consumer credit transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: GMA Investments, LLC
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I have asked Summit Receivables to stop contacting me at my place of work. XXXX XXXX from Summit Receivables stated he was allowed to contact me at my place of employment and asked me to provide him with a reason he was not allowed. I stated he can not contact we at work and place it as a " Do Not Call '' number. He stated he did not have to do so and would continue calling me at work. A woman named " XXXX '' from Summit Receivables is now calling my place of employment. Collectively, they both call my employer every other day for the past 1-2 months and sometimes every weekday. One of the many numbers used by them are ( XXXX ). The payment they are attempting to collect a debt from XXXX XXXX XXXX. 

I initially began a payment arrangement with this company but stopped due to not trusting them with my personal information.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States I have the rights 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 non-monetary relief
Consumer complaint received 2019-09-06
Company: Santander Consumer USA Holdings Inc.
State: TN
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 A VICTIM OF IDENITY THEFT. I SENT IN THE ID THEFT AFFIDAVIT AND POLICE REPORT AS I WAS INSTRUCTED WHEN I CONSULTED THE FTC. IT HAS BEEN OVER 2 MONTHS AND XXXX CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VIOLATION TO THE FCRA LAWS. I WOULD LOVE FOR XXXX  TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPEN BY THE THEFT AND NOT ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRUIST FINANCIAL CORPORATION
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Truist client is incapacitated and has named our bank as Trustee. We spoke with local Truist rep XXXX XX/XX/XXXX to see what documents were required to allow XXXX  access to accounts. All requested paperwork was submitted on XX/XX/XXXX. We followed up the following week with no response. Finally tracked down branch personnel and were told they didn't have access to secure email so documents were hand delivered to the Truist XXXX XXXX, WV branch on XX/XX/XXXX. We were told via email they were forwarded to Truist legal team. We were told on XX/XX/XXXX that a legal opinion was required since Truist, " didn't have a trust certification on file. '' I requested to speak with Truist legal counsel to clarify what was needed but were told that was " impossible. '' The rep and branch manager only have an email address and clients can't speak directly with legal. We paid an attorney {$3200.00} to prepare the requested legal opinion and hand delivered all requested documents to the representative at Truist XXXX XXXX branch on XX/XX/XXXX. We followed up with the rep on XX/XX/XXXX and were told he would follow up. We have yet to receive a response from Truist. Truist clearly does not have processes in place.

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 2020-06-12
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
TD Bank charged me maintenance fees two months in row, causing a negative balance in my checking account. My checking account balance was XXXX as of XXXX. Due to the pandemic, my salary was no longer being direct-deposited into my account. So I scraped together every dime I could to boost my savings account balance up to the {$25000.00} amount that waives monthly fees on both accounts. Nevertheless, TD Bank imposed a {$25.00} fee on XX/XX/XXXX, and another on XX/XX/XXXX. I wrote to TD Bank on XX/XX/2020 to explain my situation and ask for fee reversal. A copy of my letter is attached. TD Bank either ignored my letter or laughed at it, because next I received a collection letter from TD bank, accusing me of a {$50.00} " overdraft. '' No way have I ever overdrafted any bank account! TD Bank put my account into the negative with its heartless fees. All I keep hearing about are other banks granting mortgage forebearances and other help to customers affected by the pandemic, but TD Bank seems to want to profit from it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-27
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: OneMain Finance Corporation
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Onemain Financial has shown up on my credit report as hard inquiries multiple times to include as far back as XX/XX/2021. One address is local in my town of XXXX, SC XXXX which I called and was spoken to very rude and Inappropriately. The other one is out of XXXX, IN which I tried calling and got disconnected or hung up on. Attached is information to include emails I sent and their responses.

Company response to consumer: Closed with explanation