BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Billing dispute for services

Complaint:
On XX/XX/2021 I tried to get my credit report from TransUnion. I thought this was a free report. I went through with signing up and I did not see where it said that there is a XXXX XXXX  monthly fee. I was charged the monthly fee plus tax. I think their website is misleading and the payment information should be more prominently displayed.

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 2019-10-26
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/2019 I asked my bank-Huntington, the XXXX Michigan branch-to stop payment on several auto payments to high interest loan companies. The manager told me they couldn't stop payments unless there was fraudulent activity on my account, but a lawyer from a debt consolidation company called XXXX XXXX told me all I had to do was tell the bank which payments to stop and the bank had to stop them. I'm asking them to stop  payments because I'm a XXXX vet with XXXX  and other issues and I need to assign a payee to handle my finances and the bank knows this. The bank phone number is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: NY
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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Original creditor : XXXX Acct # XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Acct # XXXX {$170.00} Credit Collection Original Creditor : XXXX XXXX  # XXXX {$210.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00}, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: EQUIFAX, INC.
State: NM
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:
I have student loans showing late payments ; they have been refinanced and consolidated. However, they continue to negatively impact my credit and score since it shows 25 late payments. These loans are also from XX/XX/2008-XX/XX/2017, in which most of these late payments should have already come off my report. They continue to report every year, which keeps making them current although the first reported date was in XX/XX/2011

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: BETHPAGE FEDERAL CREDIT UNION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XX/XX/2022, I contacted Bethpage Federal Credit Union to buyout an Auto Lease with them, and change it into an Auto Loan. 

After running through process problems with them completing that auto loan, I was finally able to complete it, and I submitted signed documentation to them in early XXXX, with the completion of the loan, to put the loan on Auto-Pay. 

In XX/XX/2022, I noticed that my credit score had been damaged because of missed payments on this Auto Loan. I contacted Bethpage, made the missed payments, emailed them the completed Auto Pay form from back in XXXX, and complained that my credit had been damaged. 

They summarily dismissed my complaint as " not their problem '' and refused to fix the credit report issue. I was under the impression that I had been put on Auto Pay. 

On XX/XX/XXXX, the night of XXXX XXXX, I was surprised that a Repossession person showed up at my door and took my car. Apparently I had not been put on auto pay again, and was missing 3 months ( XXXX, XXXX, XXXX ) of payments. Now I'm being charged a fee to pay for the repossession ( {$470.00} ). 

I have contacted Bethpage, they refuse to say that it's their problem in any way, can't give me information on why my auto pay was never processed, and won't help me file an internal complaint within their organization. They claim they are investigating, but I never see the results of their investigation other than a denial of fault, and more damage ( financial, suffering, credit score damage ). They refuse to help and claim that it's all my fault. 

I believe I have experienced XXXX XXXX with them, that I am being singled out, that their processes fail for some odd reason and I'm not being notified or helped.

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 2021-11-29
Company: Experian Information Solutions Inc.
State: MI
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 see that you guys validated that these inquiries are accurate. I would like a copy of my written signature, a written copy the time and date of when this happened, a written copy of the rep or clerk who handled me as customer or client. I am not of aware of these inaccurate inquires and you are reporting false information on my credit file which is against the FCRA and I ask that you immediately delete these inaccurate items.

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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
XX/XX/2021 I entered an uninformed decision with XXXX XXXX Account XXXX. As a creditor they took advantage of me thus committing fraud. 
Pursuant 15 US Code 1601 ( a ) in order for me to make a decision I must be informed i.e., it takes two CONSENTING parties to make an agreement. Any agreement put in place should be clear and conspicuous ( Pursuant 15 US Code 1602 ( a ) -- which you all have failed to provide. A 30-page computer generated agreement is not clear nor conspicuous and thus you could not expect a consumer to reasonably know its meaning. There is no evidence of indebtedness as a clear and conspicuous agreement was never put in place thus making this transaction null and void ( k ). You all are reporting a past due amount on a closed account which is not possible if the account is no longer active. You all sold the alleged debt to another company without my permission and never provided me with that information.

You all are illegally furnishing income to my credit and never provided me with a 1099C associated with this account. Pursuant FCRA laws once the debt was sold to a third party you all lost permission to report anything to my consumer report. I believe an amicable resolution for all parties is to update the credit bureaus with the removal of this account. Please note all three bureaus have been put on notice of your frivolous actions as well as your state attorney general and the federal reserve. To all three bureaus I am sure your legal team will agree this account needs to be remover from my report immediately.

This is my last intent to resolve the issue at hand before moving forward with legal proceedings. I expect a response to this notice within thirty days and would highly appreciate your cooperation.

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 2021-07-13
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 status incorrect

Complaint:
XX/XX/XXXX I Was in a XXXX XXXX ( that was not my fault ) that totaled my truck. 
I had been paying this loan on time, with no issues. My insurance company sent XXXX a check and the account was shown as XXXX XXXX as of XX/XX/XXXX. We then got notification 2 months later that our insurance company had sent them the wrong amount and roughly XXXX was still our responsibility, so it went back as active and showed up as late payments. We at this point had another loan and were making payments on both, we made payments every single month no matter what, but they continued to accrue interest, on a loan that was paid off and then reinstated due to an error. I talked to XXXX on multiple occasions to please take off the late payments as I was making the payments. They were not willing to work with me. I need this taken off my credit.

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 2015-11-13
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
The number XXXX continues to call me regularly. The first time I answered they said they were attempting to collect a debt when I asked them questions they disconnected. Ever since they call me no less than XXXX a day. I 've asked that they not call me. I 've attempted to call them back and never get an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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: Investigation took more than 30 days

Complaint:
On XXXX of XX/XX/XXXX I wrote a dispute letter to your Consumer reporting company to uphold the FAIR CREDIT ACT Section Act 609 that requires them by federal law to verify through the physical verification of the original signed contract any and all accounts that post to your credit reports. The accounts that I requested to be deleted were not authorized by me and do not have my correct name. It has been over 30 days and the accounts have not been deleted. I have sent a " Demand to Comply '' letter on XX/XX/XXXX to delete the disputed items off of my Consumer Report because it has been over 30 days. The consumer reporting agency has not Complied and I demand by Federal Law that they should have complied to my demand. Please enforce this demand and protect my Consumer Rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Debit creditor keeps calling from an unknown number and they claim its from MCM which is Midland Credit. They constantly call harassing from an unknown number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-27
Company: ALLY FINANCIAL INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My wife and I were closing on a house on XX/XX/2020 at XXXX XXXX with Ally Home Loans. The day before I still had not received the final closing disclosure. I called Ally Home Loans multiple times and was told that they were " working on the final disclosure '' and that it would be available sometime in the next couple hours. Around XXXX they sent me the final closing disclosure with wiring instructions to wire the remaining money for the down payment. I wired the money to the escrow within 10 minutes of receiving the final disclosure. The day of closing, we did the final walk through of the home and then went over to the land transfer office for closing. The land transfer office then informed me that my wire transfer had not cleared yet or my loan was not funded. I called Ally Bank and asked why hadn't the wire transfer cleared yet. They said that wires are sent in the order they are received and that it would be done by the end of the day. I asked why the final closing disclosure was given to me less than 24 hours in advance if wires took this long to clear. He did not have an answer for me as to why the disclosure was given to me so late. We signed all the papers and still the lender wire and my bank wire had not cleared yet. I spent the next 6 hours calling both Ally Bank and Ally Home Loans trying to figure out the status of my wire and loan funding. Ally Home Loans apparently had messed and not funded the loan property for my closing. When I kept calling them I would get in touch with a general customer service representatives but when I was transfer to my " closing expert '' ( the guy at the lender in charge of closing ) they did not pick up the phone. When I asked to be transferred to any loan officer, I was told that " none were available to speak with me ''. Eventually we did get in contact with our closing expert around XXXX XXXX. He told me he was not sure if the loan would be funded today because the lender had messed up and needed a " XXXX XXXX XXXX XXXX ''. Once that document was signed our closing expert said he was transferring the loan to the funding department and he would call back if and when the loan was funded. Because of the lack of communication from the lender we opted to stay on hold for roughly 2 hours until we received the IMAD number which was provided to use around XXXX XXXX. During that time my wife was on hold, I was calling Ally Bank to see the status of my wire. I was told by one supervisor that she had contacted the wire department and they had placed my wire in the front of the queue and it would clear within the hour. An hour passed and the wire still had not cleared yet. Around XXXX XXXX, roughly 6 hours after we were suppose to close the wire cleared and we were able to officially close on the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, 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:
This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

Please remove the following items : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: Ocwen Financial Corporation
State: CA
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 have been trying to get Ocwen to remove late payment history from my account for about 3 years. They accused me of missing a payment, which I had n't. It started in approximately XXXX of 2013. I was accused of missing a payment, which I had n't. After they said I missed the payment, I started accruing late payment fees, etc. I was on a fixed income so it was impossible for me to give them 2 payments, so I disputed with documentation, and then they would n't accept the money unless I gave them additional fees, which continued to keep me in arrears.

They never resolved the issue with me personally, however, there was a class action settlement in which I received a payout of a about {$1000.00} due to payment history errors. While I received the monetary payment, they have not yet corrected the information on my credit report.

When I 'd have a phone meeting to talk to a account manager they would cancel, reschedule or something last minute.

They finally approved a modification for me but never reconciled the past due payments that wrongly reported. They show 32 lates because the one payment continued to appear in arrears every month. That is incorrect. I would like to have that history removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
1 ) Company at issue - Experian 2 ) Mortgage company ( XXXX ) uses Experian to perform a soft pull so as to initiate the application process. I tried multiple times and the error I received at XXXX was that it was not able to check my credit report. Suggestions included using a different address or removing any freezes that may have been placed on the account. 
3 ) I never placed a freeze on my account. I tried a different address. Neither worked. 
4 ) I contacted XXXX, to ensure legitimacy and perform due diligence since I understand the risk associated from the unlawful doclosure of a credit report to an unauthorized party. 
5 ) XXXX was understanding and suggested I add in a middle initial. This also did not work. 
6 ) XXXX said the issues was with Experian and for some reason they were not releasing my credit report to perform the check so that I could begin the application process. 
7 ) I used XXXX to pull my free credit report. 
8 ) I did this and I could see five different soft pulls from XXXX, XXXX on the report. This demonstrates that my identity was verified and the information I provided was a match since the soft pulls ARE ON MY CREDIT REPORT. 
9 ) I called Experian directly and their response was that I hadn't accessed my credit report membership in over a year. 
10 ) I did not know I had a membership, which is concerning. Rep assured me it was a " free membership. '' 11 ) However, this was an inaccurate statement since at that time I was viewing my credit report that was generated a day prior to speaking with the Experian rep. 
12 ) Experian rep did not confirm or deny the ability to see the soft pulls that are clearly visible on the credit report. 
13 ) Experian rep gave no solution for the issue with the bank being able to perform a soft pull. 
14 ) I will not be able to apply for a mortgage with XXXX since the application requires a soft pull prior to initiating the application process. 
15 ) Both a person ( me ) and a business ( XXXX ) is experiencing negative effects from this CRA.

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 2018-11-26
Company: Ditech Financial LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I schedule regular payments through my bank just over the amount typically due. When my statements comes in I make adjustments if necessary, ( happens occasionally due to escrow fluctuations ). I did not receive a statement for my XX/XX/XXXX payment.. The XX/XX/XXXX payment processed through my bank for {$1300.00}. My XX/XX/XXXX statement claims that I missed a payment and my amount due is now {$2800.00}. My payment due went up to {$1300.00}. This would indicate that they received nothing from me for the XX/XX/XXXX payment. And they attached a {$41.00} late fee on a payment that was short @ {$75.00}. I don't believe that it's a coincidence that the only time I didn't receive a statement coincided with an increase in the amount due. Di Tech just went through Chapter XXXX. I don't believe this is an isolated event. 
Thanks for your attention,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, my wife and I sent investigation requests to XXXX and Trans Union. They were supposed to investigate the errors on our report, and respond within 30 days. They have not.

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