BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am a victim of identity theft and filed a report with the FTC. 
I have been disputing these fraudulent accounts on my credit report now for a long time. 
These companies have been unable to provide any written contact with my signature and have been unable to validate the debt. 

XXXX XXXXXXXX XXXX / XXXX XXXX CAM {$1000.00} Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX APTS {$180.00} Account number XXXX I have attached a copy of my identify theft 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 2019-07-09
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2019 they have received all the documents they need for the short sale review and they will only be able to make a decision on the account once the appraisal is completed. We have requested for callback from the POC but then the callback was made after XXXX EST. 

We have been checking for updates everyday and we only have found out on XX/XX/2019 that the appraisal has returned on XX/XX/2019 and up until now their is no new update.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
This is another complaint with # XXXX. Please see the history by reviewing the initial complaint. However, I've been trying with patience to have the re-modification loan completed and to be reviewed by the underwriting team but I have run into several difficulties. The underwriting team seems to be very unorganized. They will asked for information and I will give them exactly what they ask for and then I will get a call stating they have not received the information. I then request the representative to look through the information and then the information is found. This happen on XX/XX/XXXX because I was told to re-submit the bank statements and the paystubs because 90 days had laps. As of now, PHH still states the underwriting team has not yet received the information that was sent on XX/XX/2019. Also, I requested for a payoff amount for the loan on this date as well. I have not received this information after being told an expedited request was being sent. Between Ocwen and PHH I don't know which is the worst company. I believe some type of intervention is needed. These two companies have not done a very good service for the home owners.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
Car was listed repossessed and listed as charge off on credit report. Inaccurate amount listed on credit report after car was resold. Also, never received auction receipt for car, as well as payment insurance, or loan insurance was never listed which was language in contract. Would like this charge off removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: TX
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 am a victim of identity theft and filed a report with the FTC. 
I have been disputing these fraudulent accounts on my credit report now for a long time. 
These companies have been unable to provide any written contact with my signature and have been unable to validate the debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} Account number XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$3500.00} Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$180.00} Account number XXXX I have attached a copy of my identify theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I bought my car 7 months ago from carhop. I've been caught up and timely in all my payments. I've had the engine replaced at XXXX miles which I feel is rather soon. Thinking the car was good after the replacement I went on a trip to the coast with my girlfriend dog. We had more problems its costs us nearly 3 grand, we took the car to XXXX XXXX XXXX XXXX XXXX and we found out our cv joints were stripped by the previous mechanic and our axel was cracked. we have photos and statements from XXXX XXXX. We fixed the cv and axel and headed home in the Nevada desert where we lost power we got towed to a town more out of pocket costs and we called carhop the mechanic we find says the alternator had given out car hop replaced the alternator then the car turns on but gas does not work now we are stranded in a small town in Nevada its day 3 the financial costs of all this has run us dry and we are looking at a XXXX dollar mother board part to the car and unsure how we will get home we feel carhop hires cheap mechanics. Give faulty cars to people, and charges far too much for them. We found out our car is only worth like XXXX  tops we've paid XXXX for it and still XXXX to go. We don't want this car we want our money back we've paid monthly and timely we don't want bad credit we saw this is happening to so many other people and believe that car hop is a scandalous company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
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: Their investigation did not fix an error on your report

Complaint:
I contacted Transunion via usps and phone about my XXXX XXXX XXXX account. I have asked them to verify this account and the notify me that it has been verified. There is no way this is my account. Just because some has similar information does not make this my dept.

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 2022-04-06
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX Bank ignoring to speak to me regarding error made on their side in reference to monies paid incorrectly for our flood insurance.

I have made 7 calls to the bank and the supervisor and or manger has refused to speak to me to fix this issue. 

We pay our flood insurance through our HOA and the HOA pays our bill for the flood insurance. We sent a confirmation of the payment and the declaration page to the bank and the bank issued another check to the insurance company in error. Now the Bank wants us to pay bank the escrow monies used in this payment, when the payment should have never been paid. 

The bank is Truist Bank and I have had nothing but trouble since the merger between SunTrust and XXXX XXXX XXXX. Consumers should be aware of the horrible customer service with Truist.

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 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXX Account # XXXX, 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 instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Mortgage Balance on XX/XX/XXXX Loan Amount - {$160000.00} Payment Info Status Paid, was past due 30 days Status date XX/XX/XXXX Past due amount - Original loan amount {$160000.00} Monthly payment - Late payments XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NA - - - - - - - - - XXXX - - - - - - XXXX On Time 30 Days Late NA No Applicable Payment History - Data Unavailable Additional info Responsibility Joint Account Terms Unknown Company sold - Original creditor - Comments- Your statements- Contact XXXX XXXX PL XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Is everything correct?

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 2019-07-09
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: Personal information incorrect

Complaint:
Multiple addresses that are incorrect are reporting on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Paypal credit offers a deferred interest option if paid in full. 
I used this option and made payments over min balance. 
No money was applied to deferred interest options! There are no instructions on my statement or the web portal or the agreement on HOW to make payments towards deferred interest options. 
When making payments on the webportal, there is no option to pay towards deferred payment. 
Any money over min balance was not applied to any promotional purchases. this is unethical as the interest that is deferred is being accrued and will dump!

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 2018-07-16
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
HUNT AND HENRIQUES HAS FURNISHED 2 LIENS ON MY PROPERTY FOR THE DEBT THAT WAS DISCHARGED IN BK AND NOW REFUSING TO REMOVE IT OR TO ISSUE LIEN RELEASE CONFIRMATION ... I ATTEMPTED TO CONTACT THEM SEVERAL TIMES BUT ALL MY EFFORTS WERE IGNORED BY HUNT AND HENRIQUES AND BY DEPARTMENT STORES XXXX XXXX PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On XX/XX/XXXX, I disputed an account with Transunion reported by XXXX XXXX XXXX ( XXXX XXXX under account XXXX. I was informed on XX/XX/XXXX that the item was deleted from my credit report. 9 months later on XX/XX/XXXX I have discovered that the item has been reinserted on my credit report. I sent Transunion a request for re-insertion reason on why this is back on my file while it was not reported for 9 months. I received no such notification. In XXXX, they sent me back letter that information they received was verified. 
On XX/XX/XXXX I sent another letter to Transunion for Re-investigation and METHOD of VERIFICATION on how they verified this information. I have sent USPS mail signature delivery tracking # XXXX XXXX XXXX XXXX XXXX XXXX was signed by Transunion representative : XXXX XXXX on XX/XX/XXXX. It has been over 30 days since I sent this Re-investigation and METHOD of VERIFICATION and have not received any information back. If they can not verify any correct information this account must be deleted 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 2017-10-03
Company: Santander Consumer USA Holdings 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: Credit inquiries on your report that you don't recognize

Complaint:
I am replying to the request for Santander Consumer USA to remove credit inquiries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-03
Company: Experian Information Solutions Inc.
State: OH
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:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). This is the second specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : XXXX XXXX XXXX # XXXX XXXX XXXX ... I have Demanded a copy of my signature or some proof of Claim, affidavit from both copies. I received nothing back and it has been over 30days since my complaint to both companies.

The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A. ) I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.

If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation andfuture credit worthiness.

To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: LD Holdings Group, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2020 : Received " Notice of Cancellation '' from XXXX XXXX because {$820.00} insurance premium has NOT been received from Loan Depot. Notified Loan Depot about the " Notice of Cancellation '' via customer portal messaging and attached the scanned copy of the Notice. Loan Depot previously deducted {$820.00} from my Escrow on XX/XX/2020. Asked Loan Depot : " Why the insurance premium is still not paid? '' Only response was " pending review. '' XX/XX/2020 : Followed up on the same Insurance issue via live chat. I stated that XXXX XXXX will cancel the policy if no payment is received by XX/XX/2020. Loan Depot did not provide any immediate resolution. Only stating that I will receive a reply on XX/XX/2020. 

XX/XX/2020 : Still no reply or resolution from Loan Depot. Followed up on the same Insurance issue via live chat. I requested " immediate assistance today to resolve the XXXX XXXX Notice of Cancellation issue. '' Loan Depot 's response was " I am unable to do so, the insurance department will need to resolve and review the issue. You have the option to make a payment if you wish. '' XX/XX/2020 : Used my own credit card to pay the {$820.00} insurance premium on XXXX XXXX 's website. Sent a copy of payment receipt to Loan Depot via customer portal messaging. I also requested a refund for the {$820.00} that Loan Depot deducted from my Escrow account on XX/XX/2020 that XXXX XXXX has never received. 

XX/XX/2020 : Instead of providing any refund. Loan Depot deducted another {$820.00} from my Escrow for insurance payment. My Escrow account now shows {$820.00} insurance deduction on XX/XX/2020 and {$820.00} insurance deduction on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
On XX/XX/2022 XXXX XXXX, XXXX XXXX, DPT EDXXXX, XXXX, XXXX, XXXX XXXX, & XXXX XXXX, added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and and say it's mine. According to the FCRA, XXXX XXXX, XXXX XXXX, DPT EDXXXX, XXXX, XXXX, XXXX XXXX, & XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account 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 non-monetary relief
Consumer complaint received 2022-02-02
Company: TD BANK US HOLDING COMPANY
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 filed a dispute in regards to the incorrect items on my credit report. It has been over 30 days and I haven't recieved any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I was aware of a computer glitch that was on TransUnion part. My credit inquiries were deleted, and reappeared back on my credit report. I understand that TransUnion had 5 days to notify me and they did n't. I called and the representative was of no help at all and was very rude. I asked to be transferred to a United States rep and was hung up up on.

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 2022-04-06
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:
ASKED XXXX TO SEND THE SIGNED CONTRACT FOR THE ALLEGED ACCOUNT, HOWEVER, THEY ONLY SENT STATEMENTS. THEY ARE IN VIOLATION OF 12 USC 5561 ( XXXX ), 15 USC 1681 ( A ) ( XXXX ) ( B ), 15 USC 1692B ( XXXX ), AND 15 USC 1681 ( B ). IT WILL BE A {$1000.00} PER VIOLATION.

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 2019-07-09
Company: MRS BPO, LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company MRS BPO , LLC claims that I owe them {$640.00}. 
I have no knowledge of this company. 

XXXX XXXX was paid directly from my XXXX account. 
We further disputed the claim from XXXX XXXX. 

We switched our phone service to XXXX - and they paid the cancellation bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions 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:
ASKED XXXX TO SEND THE SIGNED CONTRACT FOR THE ALLEGED ACCOUNT, HOWEVER, THEY ONLY SENT STATEMENTS. THEY ARE IN VIOLATION OF 12 USC 5561 ( XXXX ), 15 USC 1681 ( A ) ( XXXX ) ( B ), 15 USC 1692B ( XXXX ), AND 15 USC 1681 ( B ). IT WILL BE A {$1000.00} PER VIOLATION.

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 2019-07-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have had my account charge {$35.00} over draft fee numerous times when I know I had enough money in my account. Latest over draft charges were on XX/XX/19 for 2 charges made on XX/XX/19 for {$7.00} and {$10.00} posted on XX/XX/19 leaving my account balance at {$10.00}. I then put {$20.00} of gas in my car leaving my account at - {$9.00}. As of XX/XX/19 I have a - {$79.00} balance. I had enough money in my account to cover the transactions on XX/XX/19. I did not have enough to cover the {$9.00} I went over at the gas station.

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