BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XXXX 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 2022-09-21
Company: Experian Information Solutions Inc.
State: MD
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I recently found out that my credit score dropped over 100 points because Capital One decided to charge me a {$5.00} fee. I have never been charged a fee from this card. This is absurd. I have perfect credit history until this nonsense occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
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: Account information incorrect

Complaint:
I am making you aware that XX/XX/2022 I sent to XXXX XXXX, XXXX XXXX, XXXX XXXX a notice informing them of their violation that allowed me to make an uninformed decision when I entered an agreement with their company. The information given to me was not clear nor conspicuous for me as a consumer to understand. The companies failed to provide me with an adequate notice giving me pertinent facts that were to be clear and conspicuous. I am making you aware of the fraud and deception these financial institutions have been doing. According to 15 USC 1611 whoever willfully and knowingly gives false or inaccurate information shall be fined for {$5000.00} or be imprisoned not more than one year or both. You have been warned of the notice.

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 2018-09-12
Company: Accelerated Financial Solutions, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have filed numerous complaints against Accelerated collection Co and there has been no response. I have two cfpb account open # XXXX and XXXX and no response from neither Accelerate collection nor CFPB. This collection that has been falsly reported has now cause my FHA home loan to be denied. I am not doing able to provide my family a new home due to this error and credit abuse. I do not owe this bebt and no proof has shown that I do

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 2022-09-21
Company: Dovenmuehle Mortgage, Inc.
State: MI
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 don't even know where to begin. I've been dealing with Dovenmuhle Mortgage since 2021 to try and have them resolve a mistake on their end and its still not resolved. They sold my mortgage off to another mortgage company and never closed my account properly which affected my credit scores dramatically. I already filed a complaint with cfpb once about 6 months ago and Dovenmuhle claimed they were going to work on correcting the issue and still has not been resolved. I am not surprised it hasn't been fixed considering the experience I had with them. I have everything documented like my lawyer advised me to and am still waiting for them to fix the incorrect information they reported to the credit bureaus. Please look at complaint number XXXX for more information regarding this issue that I filed before. I will not stop filing complaints until this issue gets resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX is reporting multiple missed payments to my credit report. I made multiple arrangements with them and was assured that this wouldnt happen. The vehicle has been paid off well before the due date, and despite my best efforts I cant get them to change the reporting which is ruining my credit. Whats more is that I didnt purchase the vehicle from XXXX, I purchased it from XXXX XXXX  which was then bought out by XXXX. When the change of company was made, they inadvertently turned off my autopay in XX/XX/2018 which caused me to be late without my knowledge. No one has been helpful fixing this for me and they dont seem to care.

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 2019-12-26
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Specialized Loan Servicing is currently attempting to commit fraud against me concerning my mortgage. On XX/XX/2019, following an appeal for loan modification, Specialized Loan Servicing extended a modification offer to me for my property located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX with the stipulation of timely making 3 modified monthly trial payments beginning XX/XX/2019 with 2 additional payments due on the XXXX  of XXXX and XX/XX/XXXX, which I have now officially and properly complied with. 

Following the written procedures in the trial period modification plan agreement offered to me by Specialized Loan Servicing LLC, I submitted my 1st trial payment timely to the address specified in the amount and form requested according to the agreement. However, the payment was improperly returned to me. After contacting Specialized Loan Services by e-mail to notify them of the error, I then sent a double payment on XX/XX/2019 to cover the XX/XX/XXXX payment that was improperly returned. To my further dismay, the double payment sent timely to the designated address in the proper amount and form according to the trial period modification plan agreement for the 2nd trial payment due XX/XX/2019 was also refunded within 5 days of submitting it. I once again, immediately contacted SLS by fax this time to notify them of the error. Now, a 4th payment that was also properly and timely made that was due on XX/XX/2019 has improperly been returned. 

I accepted the terms of the trial period modification plan when I submitted the 1st trial payment appropriately in compliance with the terms of the agreement which definitely do not include a requirement for funds in the form of a certified check contrary to what one of Specialized Loan Services ' representative attempted to tell me. I do have a copy of the proposed trial modification plan I entered into and nowhere is that a stipulation. They may not retroactively change the terms of the agreement once it has been entered into and payments are being made as requested. As of the date of this letter, I have officially and properly completed the terms of the trial modification period, so the modification must be made permanent. However, Specialized Loan Services is not complying with the modification agreement.

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 2019-12-26
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had credit card account with Discover for almost 8 years. On XXXX XXXX XXXX.19 at XXXX I received email stated they closed my account. I guess its a XXXX XXXX from Discover. I completely paid off my credit card in XX/XX/2019, I had XXXX $ credit line on it. When I call them today to ask why did they close my account, rep stated well because your account was not really active we close it. I did explain to representative that I had tragedy in my family my Mom was XXXX, I went to XXXX with XXXX XXXX, one of the episodes XXXX XXXX XXXX XXXX, I lost most important person in the world! How can you do this to me. Plus I just had the XXXX on my XXXX, Im on XXXX. I was rely on this card to pay my bills. All what Discover representative said, well sorry but your account is closed. They absolutely not human! How they can act with the customers like that?! I just want all Discover customers to know that if you have a hardship Discover wont be there for you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was told XX/XX/XXXX my account was scheduled for closure after trying to use my debit card. I inquired with the customer service team as to why my account was scheduled for closure I was told per the clause in the contract I signed I was able to close the account at anytime and the bank reserves the right to do so as well. Multiple employees stated the same thing. I have been a Bank of America customer for years and I have never had any fraud issues with my account. 
After withdrawing my funds I was told it would take up to 2 weeks for a full account closure to be done. It would show closed to them but I could not use it. 
On XX/XX/XXXX I had an automatic deposit posted to my closed account ending in XXXX. Assuming its well past the 2 week timeframe of closure that the amount would be closed to sender. XX/XX/XXXX I contacted Account Closure department and asked what the return timeframe was the rep stated 3-5 business days and I asked if she saw anything in my account she stated no. Today is XX/XX/XXXX the sender of the check contacted me and stated no funds had been returned so I called BOFA again I was told that there indeed was funds in my account and I was told it was okay to go withdraw. I go to the Bank of America on XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX and this is the umpteenth time I walked in and either there were no tellers or their system is down. Every time I enter this location theres some sort of issue

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 2022-09-21
Company: Experian Information Solutions Inc.
State: PA
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:
I've contacted Experian everyday for 1 month. They have refused to help me. I have 2 accounts on my consumer report that are preventing me and my children from being able to purchase a home and will leave us homeless. They have violated permissible purpose, and refuse to do anything about it. I have called repeatedly just to be put on hold and hung up on. I've also emailed the CEO of the company, Me and my family are left with no where to turn. Ill be forced to file bankruptcy to try and keep my apartment as we were suppose to get a home but funding was retracted due to these accounts XXXX Card and XXXX XXXX XXXX XXXX on my consumer report. Please help me and my children.

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 2021-06-09
Company: EQUIFAX, INC.
State: FL
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:
Hard inquiries from XXXX XX/XX/2019 its XXXX hard inquiries in total with equifax XXXX have tried to get it removed I reached out and no one willing to help me solve my issue

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: EQUIFAX, 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:
THE ACCOUNT BEING DISPUTED DOES NOT BELONG TO ME, I AM NOT RESPONSIBLE FOR THIS ACCOUNT TO BE REPORTED ON MY CREDIT REPORT. PLEASE HAVE THIS ACCOUNT REMOVED OFF MY FILE FOR I HAD NO KNOWLEDGE OF IT BEING ON MY CREDIT UNTIL I RECENTLY UPDATED THE REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE ACCOUNT BEING DISPUTED DOES NOT BELONG TO ME, I AM NOT RESPONSIBLE FOR THIS ACCOUNT TO BE REPORTED ON MY CREDIT REPORT. PLEASE HAVE THIS ACCOUNT REMOVED OFF MY FILE FOR I HAD NO KNOWLEDGE OF IT BEING ON MY CREDIT UNTIL I RECENTLY UPDATED THE 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 2022-01-21
Company: Asset Management Outsourcing, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
At this time XXXX XXXX XXXX XXXX and has sold my information and by fraudulently obtaining and misrepresenting the use of my information. And selling my information to NATIONWIDE RECOVERY SERVICES both obtained and used gain monetary value, securitzation, etc. to report without my consent. Where is the WRITTEN CONSENT given or PERMISSIBLE PURPOSE to furnish any report on my consumer report : After 30 days XXXX and with PROOF of PARAMOUNT RECOVERY SERVICES has requested for the information to be removed. None of these companies has not either provided any tangible evidence or certified mailing proof of my WRITTEN CONSENT TO furnish anything on my report. Pursuant to 15 USC 1681 B and federal rights as a consumer. Data breaches pursuant to 15 USC 1692 ( a ) ( e ) are also violations inflicted on my consumer life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I never made a payment to  XXXX   XXXX   XXXX . They are a 3rd party collector who is ballooning a debt that they bought from  XXXX   XXXX . They are also re aging the debt.

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 2019-12-26
Company: Cottonwood Financial Ltd.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
the cash store was notified that I was filing bankruptcy and we gave the name and address and phone number to the lady working there. the company and its corp. began calling me multiple times .I gave them the same information and they continued with the calls .One call I took the person told me that it would be paid bankruptcy or not. you owe it you'll pay it! this was an every day and most times several times a day thing. My stress level was extremely high .I ended up in Hospital 3days I have a call list that consists of16 from XX/XX/XXXX -XX/XX/XXXX and that's not all. They also called my wife 's phone several times and a reference friend was also called several times. My wife was in process of giving information and was hung up on. this is uncalled for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Mortgage Research Center, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX we filed a complaint against Veterans United Mortgage bank. The complaint was because in the month of XXXX of XXXX, our mortgage bill was close to XXXX XXXX dollars more than the actual monthly payment. We called the bank to find out why but no one in the call center could explain to us anything. In one of the many calls, we were told that the bank had paid something off and now they wanted the money back, but with no other explanation or break down of what they paid. On XX/XX/XXXX, my husband had a conversation with XXXX in the call center, and my husband questioned her about the escrow being so high, he told her that we had already received the property tax and we have the home insurance numbers. XXXX requested to have the documents faxed to her. The documents were faxed the same day and we waited for a call back. Because of the holydays we could not get any response or help, so in XXXX we began calling again and still no call back or no acknowledgement that the documents had been received. Meanwhile again we sent in our regular payment and again we disputed the difference because we are still waiting for an explanation for the fees. Unfortunately, we did not receive a response son on XX/XX/XXXX, we filed a complaint with you the CFPB, and on XX/XX/XXXX, we get a call from XXXX XXXX from the management team. We explain to her what was happening and she said she was going to do an investigation. We finally got the answer and a break down of what happened they apologized for the inconvenience however they reported us 3 times late on our mortgage. That reporting damaged our credit and that will not change till XXXX. We were the ones proactive on this matter, we made calls after calls and basically every single representative lacked the knowledge or the training to provide us the information needed to have this matter resolved on a timely manner. The bank has now sold our loan to another financial institution and they refuse to remove the information from our credit 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 explanation
Consumer complaint received 2018-03-08
Company: The Thomas Agency, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Thomas Agency - 2 years ago I had a company for running credit cards. I clearly emailed them and canceled. They continued to bill me. Then, I needed an invoice, so I canceled again. They sent the info to a collection agency. The collection agency came after me for {$740.00}. Keep in mind I already canceled twice. I feel like they have a bait tactic and require an overly difficult cancellation process. I am very frustrated as I have already canceled twice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2020-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Made a purchase to an individual of a total amount around {$120.00} using the XXXX service which was provided by my bank Bank of America. I later realized that this transaction was a scam and can't receive a refund. If this transaction is made and provided by my bank, which is one of the biggest banks, how is it that I'm not protected by scams and not receiving a product that I had purchased? Thats why I'm reaching out to you guys, this just doesn't seem right.

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