BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
15 U.S. Code S 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 
1. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
2. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. NO CONTRACT XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. NO CONTRACT XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
5. NO CONTRACT XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed 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 2019-06-06
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX   XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX   XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ) , XXXX XXXX XXXX  ( ORIG CREDITOR : 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
Consumer complaint received 2021-04-28
Company: INVESTORS BANK
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This bank doesnt get me or my concerns they have bad feedback when I give them I feel ignored why does their debit cars nit have tap pay go technology when many banks have already implemented this feature it is much nicer to have a card where you can tap their technology is old their behind with chip only insert with this pandemic they have to update their debit cards

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Fay Servicing, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear CFPB, I am tired and sick of Fay Servicing playing games with my home as well as my family, for the past 8 months now Fay Servicing made me apply for a loan modification over 6 times. 
Every single time that i get assigned to a representative all they keep telling me is that because of my history the investor of the loan feels that i do not deserve a loan modification. 

keep in mind this is one of those bad loans that Fay Servicing issued from the last recession which it was an adjustable rate with minimum payment and an outrageous interest rate of almost 7 %. 

After 5 months waiting for Fay Servicing to finally listen to my request, Fay Servicing assigned a representative by the name of XXXX XXXX phone number XXXX who first told me based on her review i still didnt deserve a loan modification and it was better for me to loose the house. 

XXXX XXXX phone number XXXX made me so up set since i had never missed a payment until this economic hardship began and it was not fair for hero to tell me i didnt deserve to keep my home. 

i requested for her manager which never returned my call but 2 weeks later i received a loan modification agreement showing an approval of a higher mortgage payment almost 3 times higher that what i used to pay plus only for 3 months. 

So i reached out Fay Servicing - XXXX XXXX phone number XXXX who told me that i was lucky to get that approval since my investor still didn't believe i deserve to keep my house. i told Fay Servicing - XXXX XXXX phone number XXXX that i didn't appreciate it her opinion since i was the one paying the mortgage and she had no knowledge how hard i worked to buy this home. 

After numerous calls and messages to the manager of Fay Servicing - XXXX XXXX phone number XXXX finally got a hold of XXXX XXXX XXXX XXXX. XXXX who told me that if i wanted help to keep my home ill have to resubmit all of my documents all over again. 

So i did i faxed and email all my documents all over again, after almost 2 months XXXX XXXX phone number XXXX & Manager XXXX XXXX p. XXXX told me that because my application showed that i was affected due to the current economic pandemic. the investor of my loan approved a deferral for only 1 month yes you heard right only 1 month. 

Again i asked for the manager Fay Servicing - Manager XXXX XXXX phone number. XXXX who never even bother to return my call about this concerning outcome. 


i feel that XXXX XXXX phone number XXXX & Manager XXXX XXXX p. XXXX keep playing with my home so i can just walked away and loose my home. 

this is not fair that XXXX XXXX phone number XXXX & Manager XXXX XXXX p. XXXX keep telling that i do not deserve to keep my home. it is ridiculous for them to even judge me because of background and race. 

please help me, all im asking is for help to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I recently sent letters over 30 days ago to the credit bureau and they are disregarding my dispute. I am very stressed and have been sending letters before this and still no response.

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 2017-09-21
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Navient is an awful, deceiving, rip-off, worst customer service company. 
they have me paying 12 % interest and will not refinance.
In addition, I have submitted 4 applications to remove co-signer and refuse to process application, being returned to me saying something or other is missing. Their customer service is incompetent and not able to resolve my request

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Mortgage ISSUE Trouble during payment process Wells Fargo Executive Office responded XX/XX/XXXX that {$16000.00} paid by a Federal Agency to Wells was entered and there was a transfer error not properly corrected before Wells dumped my loan to XXXX  - Wells had over 45 days from XX/XX/XXXX to XX/XX/XXXX correct this problem. 

Wells Fargo has failed to carry out the legal process upon receipt of Federal Funds and proper distribution to homeowner account. Wells showed utter contempt for homeowners gaining assistance from a Federal Agency to make this payment and borders on retaliatory conduct. Why was my loan dumped during a federal fund payment process transfer days after loan payment was made to Wells? Why has almost 55 days passed and NO CORRECTIVE action taken by Wells to notify XXXX? Is Wells attempting to keep the Federal Funds and not perform legal due diligence to pay FEDERAL FUNDS into the homeowner account? Question is WHY? Wells should be held accountable. 

Wells response letter dated XX/XX/XXXX - " stated check sent for XXXX -- Wells can confirm we didn't receive a check in the amount of {$17000.00} '' -Wells also stated information was not sent for a Modification - both statement border on deceptive practices and scams! Worked closely with Home Preservation XXXX @ XXXX that received all my documents not once but several times. ( see attachments ) This letter borders on Deceptive Practice and RETALIATION for seeking mortgage assistance. A FEDERAL Homeowner RIGHT! 

Wells has added more deleterious harms to the homeowner. For ex : Wells Fargo added {$3200.00} legal fees for FORECLOSURE ( never filed ) to the loan transfer to XXXX  -- not warranted ( see last statement from Wells XX/XX/XXXX ) NO LEGAL FEES existed. My home was NOT in Foreclosure!! - My complaint is that XXXX is moving fast ( within 30 days ) to foreclose on my home due to Wells Fargo deceptive practices and discriminatory retaliation. Wells Fargo should be held accountable after over 55 days for not transferring FEDERAL FUNDS to 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 2017-09-21
Company: LD Holdings Group, LLC
State: NJ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a reverse mortgage with LoanDepot. Initial loan asked was $ XXXX with a valuation of the property at $ XXXX. Later, when prompted by the agent, we checked the property estimate on XXXX and upped the estimated value to $ XXXX. I paid a {$420.00} appraisal fee and {$10.00} credit check fee. However, after the loan was tentatively approved and appraisal done, I was informed that the appraisal amount was indeed $ XXXX so the maximum I can loan is $ XXXX ( XXXX % ). I was then told the loan amount was less than the minimum loan amount LoanDepot was willing to lend ( $ XXXX ). This should have been communicated to me at the start of the process, not after fees are paid. I explored options with other lenders with lower limits and asked LoanDepot to transfer the appraisal to XXXX XXXX which LoanDepot refused. XXXX XXXX therefore had to order a new appraisal at additional cost to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-02-08
Company: Velocity Portfolio Group
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My letter sent certified mail on XX/XX/2023 was delivered and signed for on XX/XX/2023. I have requested validation of debt, and to this day have not received this from the company. This debt is reporting inaccurately on my consumer 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 explanation
Consumer complaint received 2018-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
On my credit report, it states I was 30-59 days late on a payment for XXXX of 2017. I was late about 5 days, not the 30 days they are reporting, and the reasons for those late payments were the fact the contacted me 5 days after the due date to inform I didn't have enough funds for the payment in which I immediately went to my account to resolve the issue. Again, I have not been 30 days late on a payment, but they had reported it as such. as shown in the attachments, I have made a payment every month, but not in the lateness they have reported. And I believe each late payment may have shown in the next statement, hence why I attached 3 months to make reference of. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account XXXX XXXX BANK XXXX on my credit file doesn't belong to me. It has me listed as " AUTHORIZED USER ''. I did not authorize to be added as an authorize user. I have reached out to Experian to remove from my credit file, but it is still appearing on my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
All of my XXXX XXXX  accounts went into LATE payment due to an issue with autopay with the bank and XXXX XXXX. Before I left for XXXX, I made sure AutoPay was on. I'm not sure what happened but my Autopay did not go through. So for two months, My accounts were not paid. I had a friend to call XXXX XXXX  to fix the issue once I realize all my accounts were late. I called comenity bank and told them the bank said it was an issue. I had many returned checks because of this. XXXX XXXX said it was the bank fault and not theirs. 

I asked XXXX XXXX  to please remove the late fee 's since we see it was an error and I was away on 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
Consumer complaint received 2023-01-18
Company: NAVY FEDERAL CREDIT UNION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
navy fcu XX/XX/ the company ran my credit without my permission and authorization i would like this fraud inquiry removed from my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: Flagship Financial Group
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
this involves a timeshare. After speaking to a commercial lawyer I was advised that their tactics to have me buy the timeshare in 2014 were illegal and in violation of consumer laws. I further asked them for help to sell or transfer the timeshare and they refused. I in turn refused to pay the mortgage and they said it was breach of contract and I welcomed the legal action because : they called my sister in law and my sister and called saying I or my wife needed to call them because we we defaulting on our mortgage. These family members presumed it was our house. It is not and they have no right to contact them and disclose the nature of the debt, just how to reach us.

Company response to consumer: Untimely response
Consumer complaint received 2023-06-15
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 2020-09-10
Company: U.S. Auto Sales 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: Investigation took more than 30 days

Complaint:
When I disputed the information which XXXX XXXX XXXX was reporting, they updated in accurate information to cover themselves. I opened the account with them XXXX XXXX the vehicle was repossessed in XX/XX/XXXX. They update my information stating the following : My account was closed ( XX/XX/XXXX ) and was included in a BK - which is under a wager plan. I dismissed my Chapter XXXX BK- I have no open BK 's, as well, how could my account with US XXXX XXXX be closed in XXXX and included in a BK- when they repossessed the vehicle in XX/XX/XXXX? Since day one, this company does fraudulent things. when the vehicle was repo- they sent the redempetion letter to my old address- normal mail- when GA laws states the letter need to be sent certified and they had my new address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
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:
Some years ago, a hospital double billed me for medical services. I paid what I owed and told the hospital that I was doing so, and did not hear back. I thought that was the end of it. But apparently, it was not. The hospital submitted the entire bill to bill collectors. The bill collectors, in turn, broke the one bill up into multiple charges and submitted EACH ONE to credit reporting agencies as a separate delinquent " account, '' so that my credit report shows not one but FOUR collections. These have dropped my FICO score by more than 100 points. The bill collectors appear to be trying to use this technique to force me to pay them, as I have not been able to get credit I need due to the redundant, false, derogatory information. This is not legal, and - as I have mentioned - I actually do not owe anything at all. I have reported this fraud to the Trans Union credit bureau but the false collections are still shown on my 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 explanation
Consumer complaint received 2019-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
Had an 800+ credit rating for 8 years until XXXX XXXX XXXX became grossly negligent in the handling of my dispute and subsequent inaccurate credit reporting. 

- XXXX updated my home address and updated all credit reporting companies with an address that was not mine. 
- No correspondence was received regarding any disputed balance amount. XXXX records can confirm this mistake and my address was updated. 
- XXXX reported negative feedback on my credit report. 
- To mutually resolve XXXX agreed to a new balance due of {$680.00} which was paid immediately on XX/XX/XXXX at their request. 
- XXXX then reported I had an outstanding balance of {$160.00} to credit agencies and listed me a charge off - Upon contact I agreed to pay an additional {$160.00} as noted below to finally clear up their mistakes - Now they have listed a charge off on my account in excess of 3k which never existed nor is owed. 

XXXX XXXX XXXX XXXX is dangerous and incompetent to work with. I have been trying to clean up the mess they made of my credit history for over a year. Absolute negligence on their part.

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