BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2023-09-23
Company: Mr. Cooper Group Inc.
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
I was approved for a COVID-19 loan forbearance due to loss of income because I was led to believe I would be able to obtain a modification as long as I could resume my normal payments at the end of the forbearance. This would either transfer the remaining balance to the end of my loan or divide it over several months and give me an opportunity to repay. When I regained employment I applied for modification and was denied any options other than balloon payment or short sale on the basis of my debt to income ratio. My debt to income ratio is virtually the same as what it was when I qualified for the loan originally. I have acquired no new debt and my income is minimally less in my new position than when I bought the home. 
The mortgage company is also refusing to allow me to make any loan payments until the total balance is settled.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: NC
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 USC1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : account name XXXX XXXX, account name, XXXX XXXX, account name, XXXX XXXX ( original creditor XXXXXXXX XXXX.However they stated everything was complete and accurate. 
But how is that possible if the open date, date of last activity and much more is incorrect? 
According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

15 U.S.C 1681 section 602 A.states i have a 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 : no consumer reporting agency may make any consumer report containing of the following items of information any other adverse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: DISCOVER BANK
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022, I received a Discover debit card in the mail. I did not apply for this card. I called the Discover number listed on the website to speak with someone in their Fraud department. I was told I was not in the correct place and was transferred to Discover Bank. I waited on hold for over XXXX minutes and no one answered the phone. I tried to call Discover again on XX/XX/2022 and again as I type this complaint, I have been on hold waiting to speak with someone for more than XXXX and a half hours with no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My husband and I started our refinance process in XX/XX/2019. In XX/XX/2019 when our loan was moved to the Mortgage Processor, things began to move real slow. We were told there was a hold up with the system, they kept asking for more documents, they were not clear with the steps we had to ask for everything in writing because they kept saying this is the last thing required. At this point XXXX XXXX was my point of contact. 
My husband and I complained to our original loan officer so our account was moved to XXXX XXXX. He was able to move our loan along nicely. He also maintained excellent communication with us on all steps of our process. Now that XXXX XXXX is our point of contact, we have no idea where we stand as far as closing. She has not reached out once to let us know that received any of our documents she requested. The documents are time sensitive and I do not feel its professional to let time sensitive documents lapse then request me to redo the documents because the data will be outdated by the time I get to the closing table. 

My husband and I have never been late with a mortgage payment, we do not feel we are being treated fairly and definitely not valued as an excellent customer. 


XX/XX/XXXX contacted Senior Loan Advisor XXXX XXXX by email asking for closing date XXXX emailed processing officer asking for closing date XX/XX/XXXX contacted Senior Loan Advisor by email stating we have not heard from our processing officer XXXX emailed Processing Officer XXXX XXXX asking for my status and about a closing date XX/XX/XXXX called Processing Officer and left a voice message asking for closing date XX/XX/XXXX talked to customer service was told my processing officer would call me before XXXX, she did not call-I was given her managers name and extension XX/XX/XXXX called processing officer several times between XXXX XXXX. Called her manager several times between XXXX XXXX. all went to voicemail. Talked to customer service she transferred me to escalation, I was on hold for 30 minutes. 
XX/XX/XXXX XXXX XXXX, Escalation customer service answered the phone talked to him after being on hold more than 30 min. Put me on hold again to look at my account, says he talked to XXXX and she said she's looking at my paperwork I sent in 2 weeks ago and would call me back within the hour. I told him I do not trust her due to her not communicating with me yesterday nor today. He said he would have her manager, XXXX XXXX call me back, I said I don't trust her either, I need her supervisor. He placed me on hold for 10 minutes, then the phone connected to XXXX XXXX voicemail. I left her a message stating I needed her managers name so that I cold speak with them. 
XX/XX/XXXX on hold with escalation for 15 minutes and still waiting

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 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
This is my XXXX nd time submitting a dispute to the company. Each time they keep sending me a letter saying they are not going to investigate. This is extremely inappropriate as I am trying to get my credit report to report accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
on XX/XX/XXXX  someone opened a loan with XXXX XXXX and also on XX/XX/XXXX  someone opened a loan with a XXXX XXXX both loans are a result of identity theft please remove

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are two addresses on my credit report that i have never lived at. Please view attachment. The highlighted addresses are incorrect

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: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I followed the directions on the paper work for remittance coupon with XXXX XXXX XXXX 
Was not honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Spring Oaks Capital, LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This debt collection agency, is using unencrypted sms communications to attempt to collect a debt. They are requesting personal information, to verify identity via text messaging, asking for date of birth, name etc.. 
They are also contacting the alleged before XXXX. They are also continuing to attempt to collect a debt more then 30 days after a written dispute letter and a request of debt ownership validation letter without providing documentation requested that validates ownership. 

Ive Never opted in for the text messaging spam in the first place, however they give you the option to optout, they've been unable to verify that they are even authorized to collect a debt within the state they are attempting to Collect a debt in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: Happy Money, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I opened a personal loan with payoff a few years ago during some financial hardships. I have regularly made payments and then realized I was being charged extra interest and had fallen victim to a predatory loan company. I started struggling to make payments during 2020 as I lost my job during the covid pandemic. I am currently working again and need to catch up on payments. Now I am being harassed by the company and have received over 300 emails for debt collection. They are sending an email every 10 minutes for weeks. I cant even use my email address anymore and I am suffering anxiety and panic attacks. I have to begin counseling next week and am having serious mental and physical health issues due to this company. I want them to cease all contact with me and I will pay what I can if I can when I can. Or I will be filing a civil suit in court and take legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I purchased a truck from XXXX of XXXX XX/XX/XXXX. I had 90 day grace. The motor and transmission were not in working order. The truck wasnt repaired and was returned to company and sold at auction. XXXX worked with Santander and I got another vehicle. About a year later XXXX, this began to show up as a charge off, I would dispute, send documents and they would take it off then add it back. XXXX sent them the contract and documents and they would fix it, then add it with different information. In XXXX of this year, it reported I just charged it off in XXXX of XXXX! I contacted credit bureaus as it has been over XXXX yrs. Santander changed dates again and NOW it shows XXXX. I need this debt off my credit reports. They shouldnt be allowed to continue to change dates and keep adding additional years to my report. I havent had this truck since XXXX of XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate accounts in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
There is a VA originated mortgage on my property. 
The property was conveyed to me XXXX XXXX XXXX. 
I don't own the mortgage. 
How do I find out who does?

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 2023-08-21
Company: AXOS FINANCIAL, INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed by a used car auto sales team for a car that was never sent. I wired {$36000.00} to a XXXX account from an Axos bank account. Looking back there were red flags but I authorized the transfer unfortunately last week. The car was never sent and I have not been able to reach the XXXX XXXX XXXX after this fraud was committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
This in regards to the Auto Loan with Wells Fargo. The interest rate was exemptionally high. Interest rate was increased & series of threats to repossessed vehicle. Vehicle is XXXX XXXX XXXX 2009.

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 2023-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX Bank of America Visa credit Card ending in XXXX was hacked by someone and used to purchase at merchant XXXX XXXX on XX/XX/XXXX for amount {$82.00}. I received an alert on my mobile phone about this transaction and notified the bank to block this transaction and issue me a replacement card. Bank of America despite my prompt communication request allowed this transaction to get posted and did not reverse or block this fraud transaction. I called up the credit card dispute department to speak on this issue multiple times on XX/XX/XXXX and the bank representative ( s ) hung up the phone and did not discuss to file a dispute and to resolve this fraud transaction. I request the agency to help take up this matter with the bank and investigate this charge and provide relief. Attaching the details of this fraudulent transaction charge. 

Transaction date : XX/XX/XXXX Card type : XXXX Transaction type : Purchases Merchant description : XXXX XXXX Reference number : XXXX Merchant Name : get more information about merchant name change XXXX XXXX Thank you, 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 monetary relief
Consumer complaint received 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am filing this complaint to address issues concerning inaccurate personal information and unauthorized fraudulent inquiries on my credit record. The items in question do not relate to me, and I request the immediate removal of this fraudulent information.

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 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am reaching out to highlight that my credit file includes accounts lacking any historical reporting data. According to the compliance protocol outlined in 15 U.S. Code 1681i, it is imperative that these accounts be promptly removed from 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 non-monetary relief
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: MN
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 am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed 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 explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, 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:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: RentDebt Automated Collections, LLC
State: NC
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 filed a dispute in regards to the incorrect information on my credit report, It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
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: Account information incorrect

Complaint:
These four accounts are display the incorrect status and account balances on my credit profile. I have contacted the credit bureau several times. 

XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX DEPT OF EDUCATION/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 explanation
Consumer complaint received 2020-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I was trying to get my free TransUnion Credit Report, and due to the deceptive nature of the TransUnion website ended up subscribing to their monthly Credit Reporting service. 

Here are a list of things that make this especially deceptive : - Only text that mentions a subscription or price is very small on the homepage, and looks like typical legal copy. 
- Call to Action button on the homepage reads " Yes, Show Me My Score '', which does not hint at a subscription service, or even a purchase. 
- There is no confirmation page which breaks down the fees and charges. Showing this information is an extremely common pattern on nearly any digital purchasing platform, and my belief is it is being intentionally left out so that users don't know they are subscribing to a service. 
- Nowhere on their website ( transunion.com ) do they mention the actual free credit report ( consumer disclosure ). 
- I have done a search and found that many other people have fallen into the same subscription trap as me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief