BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-30
Company: Experian Information Solutions 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:
Under regulations 523 ( a ) ( XXXX ). A willful and malicious injury under Section 523 ( a ) ( XXXX ) requires proof of a deliberate or intentional injury, not merely a deliberate or intentional act that leads to injury. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( 1998 ). 

As I understand the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : 1. The statute gives the consumer the right to dispute the claims 2. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute XXXX XXXX has posted a late payment on a closed account. See attached this violates my rights and it is a deliberate and intentional injury. When my rights is protected to the point when I have any items in dispute It cant be on my credit report until they prove they have a legitimate claim. Under the rules and regulations truth in lending they must be 100 % accurate in their reporting. 
XXXX XXXX is 0 according to the letter they sent they have stated the balance {$4000.00}. Do you see anywhere in this letter balance is 0? Read their validation letter Does the letter says 0 high balance? Then it is incorrect! Remove it! 
That is factual error and according to the rules this must be deleted immediately. Furthermore, the late payment on a closed account is intentional malice behavior that indicate their slandering is malice and against the law. I hold you Experian responsible to allowing this Malicious attack and you are an accomplice to this behavior As per the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : 1. The statute gives the consumer the right to dispute the claims 2. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute You must remove all negative and derogatory slandering from my report until it is validate it. Till then you MUST REMOVE ALL IN DISPUTE OF 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 2021-07-06
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Our bank that we have had for over XXXX years was purchased by Truist now they are harassing me with opening new accounts or that forcing me an XXXX XXXX XXXX to go into local branch office if I want to do anything major with my account. We opened a new account online and because our internet goes through a VPN for security they blocked all internet access to my 3 accounts I own. I had to argue with them than spend 3 hours in the local branch risking Covid to get my account unlocked. They than said they would close the new account and we would have to open the new once again after Friday. I than called to get an account opened and they are saying we have to go in again because of comments on our account! The bank is treating me like I am XXXX and saying it's for my protection! That is XXXX they are harassing and abusing me for being a senior who want 's to open a new account for my other son! I stay in 90 % of the time except for doctor appointments or to pick up my medicine and they are wanting to force me to go out during a pandemic after XXXX years of being with the same bank! This is absurd! The reason they locked my account than 3 hours of supposedly getting it fixed and they refuse to allow me to do any banking over phone or internet like opening a new account!

I am about to have to close a total of 6 accounts and go to an entirely new bank if they will not fix this but this is going to be a major problem as I will have to have my pensions, social security, and other payments and processes changed to all new accounts and cards. But I can not remain with a bank that is going to harass me especially during a pandemic and my age risk. They don't care and I tried to get it fixed over the phone with them speaking to managers and they will not do anything on there end!

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 2022-08-30
Company: Credit Karma, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My complaint is directed to XXXX XXXX XXXX Credit Card. 
On XXXX XXXX, I took a guarantee offer from XXXX XXXX, stating that my approval odds in applying for XXXX XXXX XXXX Credit Card is outstanding and that they will credit me a {$50.00} amount if I get denied. 
I understand that this ad or promo does not guarantee me of 100 % assurance since I have had a fair share of denials in the past while I was just starting to build my credit history. To this date, I have XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and just recently, a XXXX XXXX Credit Card. All of which had an eligibility screening. Meaning, I can only apply if I am eligible. 
The main problem I have with XXXX XXXX is the illogical reasoning for my denial, they stated that I AM NOT ELIGIBLE. That should only mean that I should have not received an offer, I should have not pass an initial screening process because again, I am not at all eligible. 
It is a false or misleading act that only causes a hard inquiry on my report. The process did not even take a couple of minutes because I AM NOT ELIGIBLE. It is nonsensical of them to invite customers then just turn us down because WE ARE NOT EVEN ELIGIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage loan was transferred to PHH from Ocwen home loans on XX/XX/XXXX. Before the loan was transferred I applied for a modification due to financial difficulties stemming from the wind storm we had back in XX/XX/XXXX. My roof collapsed, and ceilings caved in raining into my home. My XXXX   had over XXXX worth of damage and the insurance declared it a catastrophic incident. we lived in a residence in for 4  months and had to pay for food, new clothing etc because we couldn't enter the home. We applied for a modification while continuing to do what could be done to keep the mortgage up and Ocwen turned it down stating that we had had too many modifications in the past. The question was posed to Ocwen and PHH how many have we had and to please provide us with paperwork as to when it was. we are currently 11 months behind and PHH has stated that a Notice of Intent has been sent but can not provide us with paperwork nor give us a explanation as to when it was sent nor can provide us with any paperwork as to the number of modifications were done. They just say no and that we have to provide 10 months of payments in order to even get on a payment plan. This company is unorganized and unprofessional and we just want to do what right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
My vehicle was falsely repossessed by my apartment complex, I was out of town on business and came back to it gone. The apartment will not reimbursement the fees I had to pay and the lender, XXXX, has listed it as a repossession due to non-payment. My car has been paid continuously and ON TIME. They refuse to remove the information! The information reporting for this auto loan is completely false. Payments were made on the account as scheduled. My apartment complex wrongfully had my car towed when I went out of town for three ( 3 ) days because they said it had not moved from where it had been parked. The apartment complex claims that they did not have it towed but a towing company isn't going to just randomly drive into a complex and tow a car away. I have proof that my payments were being made and that they were on time, this was not a situation where the lender repossessed my car for non-payment. I am enclosing documentation to confirm that the information that I am stating in this correspondence to you is true. Please remove the notation that this was a repo on my credit report because it was not. My payments were never late and this situation had nothing to do with my loan but an issue with my apartment complex.

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 2017-06-19
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: Credit inquiries on your report that you don't recognize

Complaint:
I have several inquiries that I know nothing about. There are multiples by the same companies. I had a freeze on my credit so I not understand how there are still these inquiries. I have called several times and sent letters to the credit bureaus with no action. I most recently just called last week and they asked me to send letter again which I have already done and still they are not being removed. I also have  XXXX  hospital bills that are not tied to me that they have not removed even with evidence sent. I have student loans that have been consolidated and payment is not due and they will not remove how they are negatively reporting even though they are not negative.

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 2022-08-30
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
This is not a DUPLICATE report and this is not filed by a XXXX XXXX. 

The Credit Bureaus stated that my account was properly investigated but how is that possible when the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate? This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 ( a ) ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 USC 1681 Section 603 ( XXXX ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1681b ( a ) ( XXXX ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

15 USC 1681i. ( XXXX ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: GUARANTEED RATE INC.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/11 I reapplied for a home loan via GUARANTEE RATE. To save a property in closing/escrow XX/XX/11 from previous complaint XXXX. After making complaints of unprofessionalism and discrimination because I asked several times for options of down payment assistance program without response or guidance. Ive completed all and very task requested of me but this company has NOT return the same courtesy to me and now refuses to complete my application or respond to any of my email requests for over XXXX hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022, I consumer XXXX XXXX sent NAVY FEDERAL a debt validation letter, impeding on my ability to exercise my rights to validate this debt. This letter was sent via certified mail with the tracking number : XXXX. I previously asked for an audit trail of this account in which NAVY FEDERAL failed to comply. NAVY FEDERAL sent me a written correspondence instead, stating the debt was valid. Only a consumer can validate a debt and NAVY FEDERAL is preventing me from the ability to validate the allege debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: EQUIFAX, INC.
State: PA
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 like to file a dispute for fraudulent items listed on my credit report for the following : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I have filed and Identity Theft Report and the report number is XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Shellpoint Partners, LLC
State: MA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I had funds to pay my mortgage to the Amount of {$1300.00} credited to my shellpoint Account. I requested that these funds be applied to my XXXX mortgage payment. 

I was then informed that the funds to the amount of {$500.00}, had never been placed into the Shellpoint mortgage account for XXXX XXXX XXXX XXXX, MA Loan Number XXXX account. 

I was perplexed as the amount of {$500.00} had been wired in via a wire transfer on XX/XX/2022. The agent I was speaking on the phone was insisting that the monies were not there and were never wired in. On the bank statement from XXXX, and on the wire transfer receipt. It clearly shows the amount had been debited on XX/XX/2022. 

I then went on line and found that there was no record of the {$500.00} USD on the Documents and statements by Shellpoint. After signing off and going back online, the amount magically appeared. 

I then called Shellpoint and demanded that the funds be applied to my the XXXX Mortgage. The Agent on Shellpoint refused to apply the amount and stated it was not my money, when in fact it was wired into the account on my behalf, as witnessed by the Bank Manager at XXXX Bank on XXXX XXXX, XXXX XXXX on my behalf. 

As evidence that what I am saying is really true, I am submitting the PDF generated on XX/XX/2022 showing that there was no XXXX XXXX Dollars deposited on XX/XX/2022 and the subsequent about 20 minutes later on the Same day, after I spoke with their staff showing the XXXX dollars had actually been deposited on my behalf. 

There is no valid reason, as the funds were never returned, and if Shellpoint is not applying the funds and not returning funds this is Fraud. 

I would like you to intervene, and since Shellpoint, which is servicing XXXX XXXX, has already been investigated by the Department of Justice for similar behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Experian Information Solutions 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: Problem canceling credit monitoring or identify theft protection service

Complaint:
My complaint is with Experian. I have successfully cancelled my membership, but their website makes it ridiculously difficult to do so. 

The link to cancel an account is buried within the help/support menu. Once clicking on that link, it took me to a page where it gave me information on 3 different plans. No clear link to cancel the membership. There's a tiny bit of text near the bottom that says " not interested in any of these? Contact us. '' After clicking on that link, a pop-up window appeared to contact them by phone or e-mail. I contacted them by phone and had to wait on hold for about 10 minutes. When I finally did get a person on the phone, I told her that all I wanted to do was cancel. She then began to belabor the process by convincing me to keep my membership active. 

Although I was finally able to cancel, this is an extremely poor business practice. I will never use their services again. They're supposed to be in the business of helping people get ahead financiallyinstead they make every effort to bleed you dry. Companies that make it very misleading and painfully inconvenient to cancel need to be held accountable.

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 2022-08-30
Company: Pintor Partners, LP
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We had our bank return a series of multiple fraudulent checks that we did not issue. Subsequently, we received letters from Barri Financial Group , LLC requesting that we pay them for the fraudulent checks they cashed. We contacted Barri Financial Group twice to let them know that the checks were fraudulent and were not issued by us. We then received a letter from XXXX, XXXX XXXX XXXX demanding payment for these fraudulent checks. Initially we thought XXXX, XXXX XXXX XXXX was a law firm based on the look and tone of the letter. The letter demanded payment in full for the checks and stated that failure to pay creates a presumption of committing an offense and this matter may be referred for criminal prosecution, that they checks will be submitted to the Justice of Peace for processing criminal charges and a warrant will be issued for your arrest. The letter also incorrectly stated that the checks were returned due to insufficient funds. Upon receipt of this letter, we sent an email to XXXX XXXX, the contact provided on the letter, informing that the checks were returned as they were not issued by us and that we were not responsible for the fraudulent checks cashed by their client. We received a short email response back stating they will update the case and will reach out if they have further questions. We then received a second letter from XXXX, XXXX & XXXX labeled Notice of Investigation that threatened to make an onsite visit, record images of the facilities, contact banking institutions, creditors and vendors. It also threatened to seek reimbursement for all costs incurred, file liens on any property associated with the debt, file Writs of Execution upon judgement through the County. Upon receiving this second letter, we looked up the company and found that they are actually a debt collection company as opposed to a Law Firm. 
I have attached a copy of all the communication referenced above

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 did not authorize or initiate these accounts, and it is unfair for me to be held responsible for them. I urge you to take immediate action to correct this mistake.

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 2018-04-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had -- -First let me start by saying I might not have checked the right complaint box. This is my problem.. I had a XXXX  credit score with experian credit bureau for the last month. Now in this month they tell me that my credit score dropped 10 points because I had an inquiry with XXXX. Does my XXXX credit report have a bearing on my Experian credit report. If so why not just have one credit bureau and be done with it. Also if that is the case, XXXX  only dropped my score by 2 points so why isn't Experian following suite . Is there a government website I can go to to find out my rights with credit reporting. Is this legal

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