BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Violation of a code : A filed requirement or provision under the law. 
XXXX XXXX XXXX  willfully failed to comply with 15 USC 1681s-2 ( b ) under the FCRA and is liable under 15 USC 1681n ( 1 ) ( A ) to XXXX XXXX XXXX am within the statute of limitations, per 15 USC 1681 p I am entitled to a private right of action The elements of my claim, factors that are met to make this claim is that I have disputed this info with the Credit reporting agencies. The Credit reporting agencies told you all ( the furnisher ), XXXX XXXX, and you as the furnisher investigated. The Credit reporting agencies failed to conduct a reasonable investigation. I have suffered concrete harm in damages due to this failed investigation. 
I, XXXX XXXX, the defendant am liable after a failed requirement and I am entitled to {$1000.00} per 15 USC 1681n.

As far as damages, I have suffered statutory, actual and punitive damages. Statutory damages I am entitled to {$1000.00} per XXXX5 USC 1681n ( a ) ( 1 ) ( A ). 
As far as actual damages, I have suffered denials due to excessive chargeoffs per XXXX XXXX and XXXX reporting agencies inaccurate reporting and failure to perform a reasonable investigation per 15 USC 1681o ( a ) ( 1 ). If XXXX XXXX and the credit reporting agencies wouldnt have falsely reported a wrongfully charged off account, then I would never have been denied in the exhibit attached. 
To state a claim under 1681s-2 ( b ), a consumer must : 1. Alert the credit reporting agency or CRA of a dispute regarding the allegedly erroneous information that it reported. 
2. Allege that the CRA alerted the furnisher of the credit information of the dispute, which triggers the furnishers duty to investigate. 
XXXX. Allege facts which show the furnisher failed to undertake a reasonable investigation of the disputed credit information and I have suffered damages because of that. 
And I have done all that, please see the attached invoice. These are serious violations of the FCRA and I now reserve the right to pursue legal action for this clear violation of FCRA! I demand that you immediately delete this account from my credit report or update it to paid in full and satisfied in order to avoid legal action, I will also fax this to the Consumer Financial Protection Bureau.

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 2018-03-30
Company: TOYOTA MOTOR CREDIT CORPORATION
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 status incorrect

Complaint:
Im writing to dispute the XXXX record of a Toyota Motor Credit Corp report, reference # XXXX, of which the XXXX XXXX was in a accident around XX/XX/XXXX. The vechicle was fully covered by XXXX at the time of the accident. The insurance company deemed the car to be totaled. I notified the Toyota Motor Credit Corp about the accident with the claim number assigned by XXXX. Then I was told by Toyota Motor Credit Corp that I did not have to worry about any upcoming monthly payment regarding to that account. I also confirmed with Toyota Motor Credit Corp representative that there was nothing I need to do and all the matter would be settled between Toyota Credit and XXXX. With that being confirmed, I went to XXXX as pre-scheduled. However, when I called Toyota Motor Credit Corp again in XXXX to make sure the matter was settled, Toyota Motor Credit representative irresponsibly stated that they did not receive the payment from the insurance company. So I contacted the insurance company while I was in XXXX  to address this issue, XXXX representative told me that Toyota Motor Credit Corp did not contact them. As a result, XXXX did not know how to send the payment. I was confused and stressed, for this issue should have nothing to do with me at this point. However, sadly, I could do nothing but to beg the Toyota Motor Credit Corp representative to contact the insurance company to offer XXXX the information. I then stayed in XXXX  for my own business until XX/XX/XXXX.

When I returned to the US, I received a letter from Toyota Motor Credit Corp that asked me to pay {$500.00}, which I immediately payed Toyota Credit. According to the Lease agreenment Toyota need to notify me in person for unusual circumstance. I did nothing wrong in this whole process : I paid my dues, reported the situation immediately, notified both parties on time, and the only information I had was being notified that I had nothing to worry about. It is certainly the fault of Toyota Motor Credit Corp and the insurance company for not contacting each other in time. I had no idea about the {$500.00} extra payment until I got home. I still paid it immediately when I got the notification. However, Toyota Motor Credit Corp now has reported to the credit bureau for c/o ( charge off ) every month up to now ( XX/XX/XXXX ), which is unfair and unlawful. I have evidence for everything I have stated above, and Toyota Motor Credit Corp should also have record of the phone calls. Therefore, once again, I sincerely hope that Toyota Motor Credit Corp would help me resolve the unfair treatment I have been through. I will definitely fight for the rights I deserve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Beginning in XXXX of XXXX I was notified that my credit card had not been reporting on my Transunion credit report since XXXX. Upon calling TransUnion they have identified that the account is " suppressed '' but will not do anything to re-insert that account which is active and in good standing. I have been working with my XXXX XXXX branch to fix it. However, XXXX XXXX has sent multiple re-insertion requests to Transunion, which Transunion states they never received. I was given paper proof that they sent re-insertion requests to trans union with the dates they were sent. When I contacted Trans Union recently and re-explained the situation I was given the same line they have been giving me for the last year, " XXXX XXXX needs to report the card '' and then promptly hung up on. I reached one person at TransUnion who stated all I had to do was mail Transunion the " proof '' that XXXX XXXX had sent me with the dates and amount of times the re-insertion requests were sent by my bank. When I did this however I was sent a letter by Trans Union stating " they can not verify that it was me that sent these documents and will not take action until they can verify it is me. '' Only to find when I called back to verify the information was in fact coming from me i was met with " we can not tell you what you need to add to to the documents to get this fixed there should be a rep at XXXX XXXX who can call a sales rep at Transunion that would know the correct process. '' No info was given, and complaints have been ignored by TransUnion since XX/XX/XXXX. This error in their reporting has cost me multiple thousands of dollars worth of credit opportunities and is preventing me from applying for mortgages, car loans, or anything to improve quality of life. I was forced to pay XXXX cash for a vehicle because the Transunion credit report was used against me in multiple vehicle loan attempts.

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 2017-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
XXXX XXXX XXXX is reporting a multiple collection of the same account. I have contacted TransUnion, they just updated without removing the same multiple account.

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 2023-04-05
Company: JPMORGAN CHASE & CO.
State: UT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had wire transfers of {$150000.00} on XX/XX/XXXX and XX/XX/XXXX for XXXX go out that were unauthorized. I contacted the bank in person on XX/XX/XXXX and reported they talked to the wire transfer team and I filled out paperwork and they said they had everything needed. They said it should be settled in a month. Later they asked for more paperwork that was already sent in, then a third time. Then on XX/XX/XXXX they sent out the paperwork a forth time. The paperwork was submitted properly the first 3 times according to the bank. After the 4th time they wanted more info so I filled it out and sent it in a fifth time, then they still wanted more so filled out a sixth time. In XXXX of XXXX they denied the claim stating it took to long. They stated that they last claims 4 thru 6 took to long for them to get the paperwork and right info. However like I said I had previously filed 3 other claims which they stated were done correctly but decided not to mention in denying the claim. 
They also claimed I walked into the same bank that I opened an account with to make the wire transfers with the same information. This is a total lie. 
Also they closed my account in XXXX of XXXX and it had {$6400.00} left in it. This is money I deposited into the bank myself. They told me I couldnt have it because someone who I didnt know tried to make multiple deposits into my account under several names. First off I didnt know the person, next I dont know how they would know my account information unless they got the wrong account. Also it would be the banks fault for allowing something like that to happen. They didnt want to give me my funds back due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
my acct ending in XXXX was supposed to be cr on XX/XX/XXXX, still no credit. When to the merchant and they show they show they credit the acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently applied for credit and found I was denied because of some issues I had with Nationstar Mortgage back in XXXX. I 've always paid my mortgage and never had any issues until I had to deal with Nationstar. 
I had a mortgage with XXXX taken over by Nationstar Mortgage back in XXXX. With XXXX I paid my own taxes and insurance. For my taxes I was late a few times but I always got late fees and taxes taken care of. But never any problems with XXXX for 10+years. My first year with Nationstar, independent of tax issues, was nightmarish. I was sending 1/2 my mortgage payment in every two weeks to pay a little early because I read that this reduced overall cost of loan. I did this with other banks and never had issues ( if there was I could always resolve over phone ). But Nationstar could n't handle it and they kept threatening me with collections and charging me fees, regardless of how many times I worked it out over the phone with their agents. Then they assumed my tax and insurance responsibilities. I was able to block them on taking over insurance payments and I continued to make payments on taxes but they ignored this and would n't figure any of my tax payments into their bill. They also continued to send me erroneous bills. In XXXX of XXXX I wanted a correct statement before I would pay because it kept changing. Meanwhile I went ahead and finished paying off my taxes hoping to get a correct statement from Nationstar independent of taxes ( I do n't recall receiving a correct bill from them for the entire year of XXXX and my bill went up considerably when they assumed my taxes and it changed on multiple levels during the fall of XXXX ). Needless to say it was a very difficult and confusing period with them and I pleaded that they send me back to XXXX, Nationstar was making my life XXXX with their continues phone calls on erroneous charges independent of taxes. 

Here is a link to Texas XXXX : http : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PLEASE TREAT THIS COMPLAINT AS DIFFERENT THAN ALL OTHER COMPLAINTS I MADE : this complaint is in regards HIDING INFORMATION FROM THE ONLINE SYSTEM. Please see ATTACHED EVIDENCE. 
United Wholesale Mortgage is hiding important information. 
United Wholesale Mortgage did not apply important information to the online system with the purpose of overcharging my account. 
The 2 very important letters they have disclosed on CFPB website, ( meant to notify me ) ARE MISSING FROM THE ONLINE SYSTEM. 
These are the same 2 VERY IMPORTANT LETTERS ( which I didn't receive ) that were supposed to protect my rights against abusevily charged Lender Placed Insurance. 
UNITED WHOLESALE MORTGAGE is using deceiving practices to overcharge my Escrow Account. 
If these 2 letters ( dated XX/XX/2022 and XX/XX/2022 ) were ever disclosed to me I could have protected myself against the abusevily charge on my account regarding Forced Placed Insurance. 
UNITED WHOLESALE MORTGAGE WAVED ALL MY RIGHTS by NOT APPLYING EXACTLY THESE 2 IMPORTANT LETTERS to THE ONLINE SYSTEM. 
NOT EVEN A SINGLE EFFORT WAS MADE TO NOTIFY ME BEFORE THEY PURCHASED LENDER PLACED INSURANCE. 
Dear Director from CFPB, please have a supervisor investigate this issue. 
United Wholesale Mortgage is using deceiving practices to avoid to answer my complaints such as but not limited to : 1. ATTACHING HERE ( ON CFPB website ) tens of pages UNRELATED with the issue and they BYPASS/game the system without answering. 
OR They mark the COMPLAINT as similar. 
This is NOT A SIMILAR COMPLAINT. 
This complaint is about HIDDEN INFORMATION. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Discover offered me a {$45.00} statement credit for purchasing a XXXXXX/XX/XXXX membership. I followed the terms and condition. They refuse to issue me credit saying that I can not cancel the membership. I canceled because there was issue with my membership. The terms and condition does not say I can not cancel for a valid reason. When I contacted, they throw new conditions at me to refuse the credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-20
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In 2016, Navient incorrectly withdrew the monthly payment for my loan twice in a month after I had been enrolled in their automatic deductions for 6 years. I challenged the duplicate payment with my bank and confirmed that Navient had permission to continue making the normal monthly withdrawals. Navient then disabled autopay for my account and has since refused to reinstate it for that bank account, demanding that my bank send a written letter with my account information to them ( which would be a violation of my bank 's privacy policy ). I then attempted to send written checks to the address listed on the website ; it appears to be the wrong address, as each of the checks I sent was returned to me as a refund from the US Treasury. Navient 's customer support has been unable or unwilling to give me the correct information to make payments, but calls me daily asking for payments even after I have repeatedly asked them to give me an alternate address for mailing checks or to restart autopay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have mailed several letters to LexisNexis on XX/XX/2022, XX/XX/2022, and XX/XX/2022. They have incorrect addresses and names on my report. Those names and addresses are not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
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 items, 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 repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 2018-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit agencies are incorrectly reporting that XXXX is showing 30 from XX/XX/2018 to XX/XX/2018. I was never late on this account.

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 2019-04-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Credit Bureaus are making Temporary Lifts of Credit Freeze difficult. Disabled online process ever since the Law forced them to make available to consumers.

Experian now asking all requests by mail only by providing all information required for someone to steal my identity. such as Name, Address, Social Security Number, Bank Statement, Utility Bills and other physical copies to be mail. They also do not respond to any inquires therefore we do not know when they receive the document or when the request can be processed.

This makes consumer credits hostages unless we pay for their Credit Lock service for a fee.

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 2023-08-16
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19
Company: EQUIFAX, INC.
State: MS
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:
The company is reporting late payments on my account that was not late. 

XXXX XXXX  XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
discover has failed to provide me with the proper documentation to validate and verify this alleged debt a copy of the agreement and full disclosure that meets the requirements under federal statute. violation fair credit reporting act, truth in lending and fair debt collection practice act DISCOVER has violated the FCRA 15 USC 1681a ( 2 ) ( i ) - reporting information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666 BILLING ERRORS 15 USC 1666d ( a ) ( 1 ) - 15 usc 1692g ( a )

Company response to consumer: Closed with explanation