BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I just got my credit report and was devastated to find that I had so many errors showing on my reports. This inaccurate information being reported is very frustrating and I need this corrected immediately. I currently work two jobs and need a new car, but can not get approved at an affordable rate. I can not rely on my current car for much longer and I need these inaccuracies fixed at once. This is not only affecting my ability to buy a car but has taken a significant toll on my mental health. I insist you remove any and all inaccuracies because it is a violation of my 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 2022-10-21
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected customer rights to privacy and confidentiality under XXXX XXXX. 


Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : TEXAS ATTORNEY GENERAL OFFICE : XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXXXXXX XXXX All accounts listed has violated my rights 15 U.S.C 1681 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other thank records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is Inaccurate.

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 2020-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house to provide for me and my sons.

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 2021-04-14
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
Today XX/XX/2021, as of XXXX am I had accidentally gotten a TransUnion subscription when trying to get information about my credit score. I found out when TransUnion sent me an order confirmation via email charging me {$1.00} for the credit score and another {$24.00} for the subscription. Panicked, since I didn't intend to spend money, I unsuscribed. However, the website told me that my data would be unprotected so I made an account with XXXX. However, I instantly regretted that decision and tried to get my account cancelled, even using the number on the website : XXXX when the website clearly made account termination impossible. I called to cancel my XXXX account. I was directed to customer service and was requested to give information on my name and social security number. I was told my account was canceled and I would get an email confirmation in 15 minutes. However, 15 minutes after XXXX XXXX, which is when I ended the call, I had received no such email. Even now, I haven't received it. Considering the shadiness of those companies and that they have deceived me, I don't know if I will ever be able to cancel and delete my account by solely dealing with them so I am reaching out for help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-15
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred from XXXX to Mr. Cooper for servicing starting in XXXX of XXXX. Since Mr. Cooper has been in charge of the servicing I have had a problem with the payment being {$47.00} higher than it should be due to Property Tax. There was an escrow shortage in the amount of {$570.00} for prior year, and I had option of paying this in full or spreading out over payment. I called Mr. Cooper and informed I would be sending this paying in full. I did this on XX/XX/XXXX. The payment was applied as partial mortgage payment. I called and got the payment correctly applied. My mortgage payment should been {$2400.00} with the applied escrow payment. I sent {$2500.00} payment XX/XX/XXXX, for XX/XX/XXXX payment, because my statement for that month did not reflect the escrow payment, so loan payment was {$2300.00}. I had additional conversations with Mr. Cooper because XXXX statement sill reflected a payment {$47.00} higher than it should be due to the escrow payment referenced above. All Mr. Cooper associates identified that the escrow payment was posted but the payment was not adjusted by the PPT team and they would resolve. On XX/XX/XXXX I sent XXXX payment in the amount of {$2400.00} because at that time the payment was still reflecting higher. At this time, I contacted Mr. Cooper and was put in contact with XXXX in the escalation department and advised would get issue resolved. In the meantime, I made my XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$2300.00}, paying an invoice that indicated I owed $ {$2300.00}. At this time because I qualified to have Mortgage Protection Insurance removed from my loan, the payment should have been {$2200.00}. This reflects the {$2400.00} payment - {$160.00} MPI amount. Mr. Cooper acknowledged this amount. On XX/XX/XXXX at XXXX XXXX, I had a collection call from Mr. Cooper for my XXXX payment. Please note I have sent more than the required amount every month since they took the loan over. I contacted Mr. Cooper and spoke with XXXX who stated payment was applied incorrectly but even when she moved the money that there was over {$100.00} shortage. I asked her how this could be possible when I sent more than the required every month since they took the loan over and she could not answer the question. This is completely unacceptable. I was informed the only way to remove them as service provider was to refinance home, but then there is no guarantee that this company would not wind up being the service provider at some point. Since XXXX when Mr. Cooper took over this loan, I have spoken to the following associates at Mr. Cooper and the problem has only gotten worse because now I have paid more than I owe monthly and I am in collection status. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I have truly tried to resolve this issue and Mr. Cooper seems incapable of effectively servicing this mortgage. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XX/XX/XXXX My Step Mother received mail in my Maiden name but with her address from Jefferson Capital. I have never lived at that address and has never been listed as an address I reside in. I have not had this name in over 5 years. It contained private information. I have not been contacted from this debt collector by phone or email or mail at my current address that I have now resided in for almost 4 years I have also checked my credit report and show nothing. Below is Jefferson Capital Address that this letter was sent from. In my investigation I had found there is a class action lawsuit against this company from during searches for family members in attempt to collect a debt. 

Jefferson Capital XXXX XXXX XXXX XXXX NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
THIS ACCOUNT IS REPORTING INACCURATELY ON MY CONSUMER REPORT. Please provide original documentation bearing my wet ink signature as evidence of my obligation to this inaccurate account. 
XXXX XXXX Account Number : XXXX If furnisher is unable to provide the original contract and consumer credit application bearing my wet ink signature, I demand this account be DELETE IMMEDIATELY! Pursuant to the FCRA & the FDCPA I respectfully request to be provided proof of this alleged item, specifically the original contract and application, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting causing damage to my reputation. 

Provide the documentation requested OR delete these items before that time or I WILL FILE FOR LITIGATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions

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 2022-12-24
Company: Experian Information Solutions Inc.
State: IL
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  Accounts XXXX XXXX XXXX XXXX have 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

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 2022-12-19
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
starting XXXX and ending in XX/XX/2022 I supplied the same exact financial and personal information to the Pennsylvania Homeowner Assistance Fund which was giving to mr Cooper in XX/XX/2022 for modification assistance. 
XX/XX/2022 mr Cooper response to my cfpb complaint ( promptly closed ) was the information supplied was inaccurate or incomplete documentation ( which was a lie ) because I supplied a affidavit, government application for assistance, copy of death certificate, XXXX months of bank statements, XXXX years of income tax returns, hardship letter, pay stubs, copy of driver license, social security card so the PHAF was more involved yet they NEVER LOST ANY DOCUMENTS!!

this entire time ive a been incurring malicious accelerated rents and interest which was paid by the PHFA grant and now I still have no remedy from the hardship I've received at the hands of this predatory company with its sloppy paper handling and mishandling of deadlines and out right LIES.

The accelerated rents are malicious because had my paperwork not been lost like I stated OVER AND OVER AGAIN in NUMEROUS other cfpb complaints I wouldn't wouldn't have needed a grant I would have complied with mr coopers modification requirements my bill was XXXX a month .... now my bill is like XXXX are you insane!!! you are CROOKS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: AMERICAN HONDA FINANCE CORP
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2022 American Honda finance failed to disclose that I have a right to rescind the credit consumer transaction, which is stated title XXXX subject XXXXAmerican Honda Finance also made it an obligation That I pay a Down payment in the amount of {$3000.00}, Federal law states that it is illegal to make a person pay for something that there beings financed for.American Honda Finance would then make it mandatory for me to pay for insurance out of pocket, which was {$980.00} from XXXX XXXX XXXX .According to title 15 Subsection 1605, the finance charge is the total of all charges, which means the insurance should have been included with the finance charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2020 I wired {$5000.00} from Bank of America in NJ to XXXX XXXX XXXX XXXX. 
Today is XX/XX/2020 and the funds never got to the account i wired the money to. 
I asked the Bank of America to return the funds and credit my account but they say the XXXX XXXX XXXX XXXX  is not returning the funds and they are not even answering us. 
the PDF of the beneficiary 's account is in attach that they never received the funds. 
As result my {$5000.00} is lost and no one seems to take responsibility and do something about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Under the Fair Credit Reporting Act, I have the right to challenge any information on my credit report that Ibelieve to be incorrect. It's important to me that my credit report is accurate, and I take this matter seriously. While I dispute the claims of delinquency and derogatory information on my account, I request that you provide me with evidence to support your position. Specifically, I would like to see proof that the inquiries and accounts in question have a permissible purpose. I'm reaching out to you today because I'm concerned that this matter has not been handled properly. However, I believe that we can resolve this issue promptly and without any escalation. 
Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX Additionally, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 
In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FDCPA Section 807 Violation Misleading False Reporting - DELETE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Account number : XXXX, FDCPA Section 807 Violation Misleading False Reporting DELETE! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : Account number : XXXX, FDCPA Section 807 Violation Misleading False Reporting - DELETE!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: T.S. Holdings
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/2023 XXXX XXXX, contacted me telling me I had a payment of XXXX to the XXXX at XXXX XXXX, I told them okay, can you inform me of the specific, they listed everything, I said alright. Is there website page or contract I can look into so I can understand see a full report, they told me no, you have to pay today, Im currently driving and said this isnt a time right now, I need to understand what Im paying cause I dont want to give my account out to people I dont know. Especially since I dont even have the funds today. They said we tried to reach out to you multiple times, via Mail, email, etc. I said I never had this before this is my first notice I didnt even know I had anything owed as I gave the XXXX my contact information when I left, they kept pestering saying well you need to make time right now, weve been trying to contact you over a year, even though I was just living there XXXX months back. So I told them when I look into it Ill contact them back and do what I need too but I need time and they said no you need to do this now. So I just hanged up and said bye as they were not willing to negotiate or give me anything to look into.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Affirm Holdings, Inc
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
XX/XX/2021 Purchase made for {$280.00} using XXXX ( merchant ) app was having a problem completing the large purchase with Affirm. I was receiving notifications that the purchase wasn't completed and the item was still at risk of being purchased by another buyer. After a few attempts, I decided to charge my CC for the full amount instead of the loan since it wasn't allowing affirm to complete. So I paid in full {$280.00} on XX/XX/XXXX with my CC. 
XX/XX/2021 I woke up the following morning to check the transaction and see if there was any tracking information posted yet. And XXXX ( merchant ) had disabled the listing which confirmed I purchased, as it appears they also disabled the Seller 's account and all of their listings, but didn't notify me or issue a refund. So, I contacted XXXX about this listing and expressed my concerns. 
XX/XX/2021 XXXX replies that the seller is having shipping issues to allow more time but refuses to respond to my concerns that the Sellers listings and account are disabled. This is because XXXX doesn't have any customer service or business accountability its a robotic method and community generated support team. 
XX/XX/2021 I received notification from Affirm that a loan was now issued days later- for {$280.00} for the purchase which I already paid for. I contacted XXXX again, no resolve, no real acknowledgement of the problems. I also immediately contacted affirm and uploaded documentation that I was double charged and advised them that the listing also seems to have been a scam where I am also without the item purchased as well. Affirm provided a generic response and closed my dispute pointing fingers at the merchant ( XXXX ) Now I am stuck in the middle of 2 poorly performing companies with nearly {$600.00} lost. 
XX/XX/XXXX, the listing for the Item has disappeared completely that I purchased, And remains on my app as purchased. Adding that I still have record of the purchase, and now I am double charged and no refund or investigation from the Merchant XXXX, or from Affirm even with 3 disputes and several emails plus uploaded documentation. No one seems to care or address the fact, that I was scammed. 
XX/XX/XXXX, sent another email to XXXX with no resolve. I am now out almost {$600.00} and will definitely be filing legal complaints in the courts to recoup if both companies don't work together to sort this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: NY
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:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation