BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

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 2018-11-07
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ocwen loan XXXX XXXX XXXX Last 4 social XXXX XXXX XXXX XXXX XXXX XXXX Ocwen has failed to respond to our claims and therefore we will submit our first complaint report to the Federal government agencies including General Arrorneys office and the national mortgage settlement, third party monitors that report to Congress. Bellow is a partial summary of the full report. 

The first complaint addresses our demand to remove escrow account from Ocwen on the grounds and only submitting monthly statements asking for amounts due of the HAMP modification agreement of 2012 prior to Ocwens acquisition We will fulfill our obligations to any third party funds such as tax and insurance The first complaint address the following failures and violations 1. failure to perform proper accounting in terms of application of full amounts of monthly payment in a timely manner, 2. Holding large amounts of monthly payments in addition to RESPA allowed escrow amounts in additional accounts labeled suspended funds, misc, other, fees Then applying those funds weeks and even months later via transactions labeled credit for fees, application of suspended funds, credit for home evaluations, ... 
3. Submitting products that were falsely created, back dated that contain erroneous information to cover up the charges for fees and products such as false title insurance that does not exist, title searches that cost unreasonable amounts of fees, returned check fees for checks and dates that does not exist according to our bank accounts 4. Delayed crediting to our funds in unacceptable accounting such as partial payments as low as {$29.00} at times and delayed dates as long as several months at times 5. Falsely reporting to the IRS surplus funds as misc when in fact they are exceeding RESPA regulations by unlawful amounts 6. Consistent pattern of faulty accounting and  violations in a repetition manner proving willful intent to gain financial interest of the investors XXXX XXXX by keeping as much funds for as long periods of time possible and causing harm to the consumers Ocwen has failed to perform its duties as a loan servicing company, caused damages to our accounts, credit and title not mention disruptions to our life Due to breach of trust, we do not have any confidence in sending any further payments unless a third party monitor handles the funds and those funds will be for the fixed HAMP payment of principle and interest only This third party will either be the federal agencies or the chapter XXXX court and trustees

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated by my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the reports by more than 7 years..

15 U.S.C. 1681s-2 ( 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 accurate..

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 2019-05-09
Company: U.S. BANCORP
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
On XX/XX/2018, US bank closed my savings account and issued me a check for the amount of XXXX. I received and lost the check. On XX/XX/2018, I made a Declaration of Loss for that check. US bank had 90 days to re-issue me another check but never did. Since then, I have visited the bank 's branch on many occasions and called them countless times but everyone says that they are not able to help me because they don't know which department is responsible for issuing that check,

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 2022-11-09
Company: Experian Information Solutions 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:
XX/XX/XXXX XXXX XXXX XXXX reported a collection in my credit file on behalf or XXXX XXXX. 

XX/XX/XXXX The account was removed from my accredit reports for inaccurately reporting a paid account. 

On XX/XX/XXXX, I discovered XXXX XXXX re inserted the same INACCURATE collection account on behalf of XXXX XXXX in my credit file. To my understanding the credit bureaus are required to notify me within ( XXXX ) days of re-inserting a previously deleted item. I did not receive such notification. 

XX/XX/XXXX The account was removed once again from my credit reports for inaccurate reporting. 

XX/XX/XXXX XXXX XXXX XXXX re inserted the SAME INACCURATE collection account on behalf of XXXX XXXX for the XXXX time. Once again, I did NOT receive a notification of reinsertion. 

XX/XX/XXXX, I disputed this account with XXXX XXXX XXXX, they did NOT provide sufficient proof of validation. 

According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA the credit buraus are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

The FOLLOWING derogatory account allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, the infractions are as follows : INACCURATELY REPORTING BALANCE INACCURATLEY RRPORTING DATE OPENED INACCURATLEY REPORTING ACCOUNT NUMBER INACCURATEY REPORTING THE ACCOUT STATUS AS OPEN INACCURATLEY RE INSERTING A PERVIOUS DELETED INACCURATE COLLECTION ACCOUNT NOT SENDING A NOTICE OF RE INSERTION

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 MY INQUIRIES PLEASE DELETE THIS. I NEVER AUTHORIZED THIS AND IT IS NOT LINK TO ANY OF MY ACCOUNTS. I HAVE NEVER APPLIED UNDER THOSE INQUIRIES

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 2020-03-07
Company: FACTUAL DATA CORP.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Filed bankruptcy in 2016. 

XXXX XXXX XXXX is still reporting balance of {$120.00} XXXX XXXX XXXX is still reporting balance of {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Santander The information on my credit shows 3 different amounts being reported as well as different dates listed that the account was paid on. one report shows the balance being owed as {$20000.00} and then it shows as {$19000.00} I can't owe both of those amounts. It's also showing that the dates reported were XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

this information is inaccurate and inconsistent across the board and according to 15 U.S Code 1681e ( B ) needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: JPMORGAN CHASE & CO.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Chase Bank lost my refinance check. Not refinancing my car loan will cost me {$4000.00} and it will allow Chase Bank at least {$5000.00} more in interest during the life of my car loan ( if I only make minimum payments ). The check was sent to the right place for the right amount with the correct information. There was no reason for them to lose the check. They have also had more than enough time to apply it as confirmed by the director of my credit union retail division.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-20
Company: Experian Information Solutions 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 was a victim of identity theft pursuant to 18USC 1028A, I'm requesting XXXX, XXXX, & Experian to remove inquiries that I deem as alleged fraud. Pursuant to 15 USC 1681c-2 which states these inquiries must be deleted within 4 business days of receipt of identity theft. These inquiries must be removed : These inquiries are attached to the FTC ID Theft Reports enclosed.

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2019-10-02
Company: Experian Information Solutions Inc.
State: NC
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:
Today XX/XX/2019 I found out that someone has been opening accounts with my personal information without my permission. I found out because I was checking my credit report before going to buy a new car and I saw accounts and inquiries that do not belong to me. I never opened any of those accounts and I never gave anyone permission to open them in my name. I have already filed a police report. I did not benefit anything at all from these accounts such as money, goods, services or any other benefit nor am I affiliated with any of those companies in any way. I do not have any written/verbal contract with any of those companies and I never allowed them to run or view my credit file.

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 2019-05-19
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
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 vehicle was totaled XX/XX/12. XXXX XXXX paid the remaining balance of {$3000.00} on XX/XX/12 to Credit Acceptance Corp XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. The vehicle mentioned had {$3800.00} of equity in it, which was paid to XXXX XXXX XXXX, XXXX on XX/XX/12. This brings me to the matter of the company listed here consistently reporting to my credit file as being a repo. Enclosed is a letter from the insurance company proving that they were paid and that they accepted the check and so did as I. Also, included are previous dispute letters requesting removal of the inaccuracies of their reporting to my credit file.

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 2023-09-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX has failed to update my balance on my loans since XX/XX/2022. I have contacted them earlier this year a few times in XXXX and was told that they put in a request and will update my balance with the credit bureaus in 2 months. when that didn't happen, I called in XXXX, and they told me that since they switched log in platforms, they were doing a freeze on reporting for 3 months. After those three months passed in XXXX I called again and even filed a dispute as XXXX had advised. XXXX told the Credit bureaus that their reporting was accurate which caught me by surprise and my balances where not updated on their own accord or via despite. I called again after my dispute failed and they told me that they would update my balances by the end of XXXX. Nothing was updated and now I cant even contact them due to long hold times and XXXX not calling back using their call back feature. I am looking to buy a house and need to have my balances correctly updated in order to secure the best terms on a mortgage that I can. its been over nine months this is ridiculous. Attached is my account balance from XXXX 's own website.

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
My XXXX account was paid off. I checked my credit 6 months later XX/XX/XXXX and it was still on my credit as balance due. It does say {$0.00} past due but also reflects a balance of {$710.00}. This amount was satisfied in XX/XX/XXXX. I did have correspondence with them and they acknowledged that it would be removed. However today XX/XX/XXXX the balance still reflects {$710.00} on my credit 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 2020-03-07
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I would like to bring your attention to a serious issue I have with Coinbase wires that first took place on the XXXX of XX/XX/2019. 
I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX and XXXX XXXX. 
The funds were transferred utilizing Coinbase 's services in the total amount of XXXX XXXX! 
I would also like to point out that on XX/XX/2019 - I filed a dispute with Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: LA
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:
When I looked into my credit report, I found that there was inaccurate. The 3 credit bureaus must verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Without providing proof within the allowed time frame, it is unacceptable to classify this reporting account as unverified information. Sections 611 ( a ) ( 1 ) and 609 ( a ) ( 1 ) ( A ). Please look into the unverified account ( A ) : XXXX XXXX XXXX Balance : {$10000.00}

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 2020-03-07
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hi, I applied a payment of {$400.00} to my account on XX/XX/2020 and received an email stating that my payment was scheduled. On the same day ( according to a customer service representative named XXXX, who I talked with on XX/XX/2020 at XXXX XXXX ) they sent my account to a collection agency. I now have no recourse to have the account re-established. The lender in question is Heartland ECSI. This lender recently acquired my student loan account from another company and I did not receive information that this was the case prior to my account be absorbed. This is completely unacceptable behavior from a student loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: OH
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:
A collection account was listed on a credit report I had obtained in XXXX of XXXX. The collection agency name is XXXX XXXX XXXX XXXX located in XXXX XXXX, Nevada. I sent a certified letter with return receipt to XXXX XXXX XXXX XXXX on XX/XX/XXXX which was received on XX/XX/XXXX asking for debt validation and the methods used to validate. 30-days passed, and I had not received a reply from XXXX XXXX XXXX I sent a second certified return receipt letter to XXXX XXXX XXXX XXXX on XX/XX/XXXX which was received on XX/XX/XXXX notifying them that I did not receive a reply within 30-days and to remove the collection account from my credit report. I also sent a certified letter with return receipt to Experian Credit Company on XX/XX/XXXX which was received on XX/XX/XXXX requesting this collection account from XXXX XXXX be removed. I received a letter from Experian Credit on XX/XX/XXXX indicating the collection account for XXXX XXXX XXXX XXXX has been verified however no method of verification was provided. I obtained an updated credit report from Experian on XX/XX/XXXX to confirm their decision. 

An additional 30-days passed, and I did not receive a reply from XXXX XXXX XXXX I obtained a new credit report from Experian on XX/XX/XXXX which continued to show a collection account from XXXX XXXX XXXX XXXX XXXX I then sent a third certified letter with return receipt on XX/XX/XXXX to XXXX XXXX XXXX XXXX which was received on XX/XX/XXXX indicating Ive not heard a reply yet and requesting a final good faith attempt to validate the debt or remove it from my credit report. I also sent a second certified letter with return receipt to Experian Credit on XX/XX/XXXX which was received on XX/XX/XXXX explaining that XXXX XXXX XXXX XXXX has not replied to my request nor have they updated my credit file to remove the unvalidated item. 

On XX/XX/XXXX I received a dispute result letter from Experian Credit once again stating the debt is validated without a method of validation being provided. 

I will be sending a final certified letter with return receipt to Experian Credit today XX/XX/XXXX indicating they have been given sufficient time to provide accurate debt validation methods and reminding them that XXXX XXXX XXXX XXXX has not responded to my numerous attempts to communicate for greater than 90-days. I will be including this CFPB complaint number as well and request the account be removed from my credit file 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 2018-01-15
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Every day the company XXXX has called me at different times. I had informed them to stop calling me because I have XXXX XXXX and XXXX XXXX. I also informed them that I am a customer with XXXX XXXX XXXX. They informed me that they do not care at all.

Company response to consumer: Closed with non-monetary relief