BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-25
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 my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

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

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

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. Any other adverse item of information, other than record of convictions of crime which antedates the report by more than XXXX years. 

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 XXXXXXXX ] [ XXXX ] [ XXXX ] [ XXXX XXXX ] [ XXXX ] [ XXXX XXXX ] [ XXXX ] [ XXXX  XXXX XXXX XXXX XXXX XXXXXXXX ]

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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To whom it XXXX concern, My name is XXXX XXXX. I have written to your company on XX/XX/XXXX. In Regards to an extended fraud alert or fraud alert being placed on my account in which I was not authorized for on my behalf nor was I notified about this until I tried to log into my account and was denied access to my credit report. My credit report should be available to me at all times due to me being a consumer. Not only have I contacted the company on the phone to resolve this matter. I spoke with an employee on XX/XX/XXXX named XXXX user number XXXX case number XXXX. She stated someone will be in contact to get this matter resolved. No one from this company has reached out. According to the FCRA Law 605A and 605B this is a violation of my right to access my credit report. I will be filing a complaint with the CFPB about these matters concerning this illegal activity being performed by the company. 

Thank you, 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 2023-01-04
Company: EQUIFAX, INC.
State: VA
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
went to dealership was told in house financing but ran my credit with other companies without telling me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-01-04
Company: CADENCE BANK
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Cadence Bank refuses to provide ACH documentation without my having to take extreme measures. 
On the first occurrence I requested this information 5 or more times before filing XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. When their attorney responded he provided incomplete and false information. The matter was resolved two days before the XX/XX/2022 trial date with an agreed order and Cadence Bank supplied the requested information, Cadence Bank paid the court costs. 

On the second occurrence I requested the information via USPS Certified Return Receipt. My loan officer responded via email and did not provide the documentation I requested. I copied Cadence regional president to my response email requesting the ACH documentation. Cadence then provided the information. 
The third occurrence is in process. XXXX  XXXX has stated multiple times he will provide the information but does not. XXXX XXXX has been copied on the emails and has full knowledge my request is being refused by the absence of action. 

I am requesting complete ACH trace data for the {$130.00} bank draft submitted by City of XXXX to XXXX XXXX  on XX/XX/2022 drawn on Cadence Bank, paid to the XXXX XXXX XXXX by XXXX XXXX  on XX/XX/2022. Taken back by XXXX bank via electronic notice delivered to XXXX of XXXX XX/XX/2022 with a backdate within the text of XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello, Uknown Inquiries are reporting on my XXXX, Equifax, and XXXX reports. I have filed Identitytheft, and will attach FTC report. The following inquires are what needs removal. 

XXXX : XXXX - XX/XX/XXXX Equifax : XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Factual Data - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX : XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, 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:
I have submitted several letters to all 3 credit bureaus- Equifax XXXX XXXX XXXX and XXXX disputing this Account with ( XXXX XXXX  ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

All XXXX credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX XXXX XXXX I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30
Company: ALLY FINANCIAL 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: Information belongs to someone else

Complaint:
Ally financial is falsely reporting inquiries made in my name

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Maximus Education, LLC dba Aidvantage
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loans were transferred to Aidvantage. My loans were with XXXX XXXX and are supposed to be cancelled due to recent action by the President. Additionally, the pause for student loan repayment ( pending outright forgiveness for all loans less than XXXX ) was recently announced. Instead of Aidvantage complying with this, they deceptively encourage borrowers to sign up for automatic payments and and notify you that your pause is almost over effective XXXX XX/XX/2022. When I call them to inquire, they claim to know nothing of the situation and that I may be eligible to apply for public service forgiveness and congratulate me for enrolling in automatic payments. They are trying to milk as much money from borrowers as possible before the government cancels all the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a letter on XXXX offering a payment plan for a debt. Creditor name was present but no other details regarding the debt At XXXX MST  XXXX I called the debt collector and requested they provide me the following : -copy of the original contact/receipt with my signature -full payment history from original creditor -proof they now own or have been assigned this debt The agent advised that the letter they sent was the only proof they could provide and anything further I would need to contact the original creditor for. 
I told the agent they would need to provide the requested information in order to validate the debt and continue trying to collect it She continued to repeat that the letter they sent, which only provide creditor name and debt amount, was enough to prove they can collect on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Mr. Cooper Group Inc.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I called for a forebearance in XX/XX/XXXX due to hurricane Ida. Our area was heavily impacted and a lot of repairs we had to do ourselves immediately coming back to home. I was told I could have a 6 month forebearance starting XX/XX/XXXX and then it could be extended after 6 months for a total of 12 months. This loan was a balloon payment loan and this was discussed during the call. However, I was reassured I would have 12 months total to get finances on track. On XX/XX/XXXX I called mr cooper because I knew I only had 1 additional month in first f months of the forebearance and wanted to get a head start on getting my extension in place while I had the time because I work long hours. At this time the lady I spoke with reassured me again that I could extend the forebearance for an additional 6 months but that I was calling too early to call back on XX/XX/XXXX and at that time I could extend from XXXX - XXXX. XX/XX/XXXX I called mortgage company to extend my forebearance and was told I could not do it bc the loan had matured. When the forebearance started in XX/XX/XXXX the loan had matured that month and no one ever advised me of this. Had I known this I would have made other arrangements to pay and not wasted time thinking I at least had another 6 months to get my affairs in order. So I asked for a modification and was told the lenders did not do modifications that I could do a short sale. I was unable to XXXX bc they incorrectly flagged my credit report to XXXX that I was 120days late on my mortgage in XX/XX/XXXX. Which is not true. I also disputed this with XXXX. My first mortgage is current this is my second mortgage. My complaint is not only did 1 representative advise me with incorrect information but 2 did. This is not my fault I did my part by remaining in touch with the mortgage company only to be told incorrect information. Now they are threatening to foreclose on my property for XXXX balloon payment with no other options due XX/XX/XXXX. Mr cooper is the most unorganized predatory, unorganized, undertrained lender who lie to consumers then take their property. Oh and they dont put anything in writing when I asked for something in writing. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have a checking account with wells Fargo. Due to my XXXX being stolen, several XXXX  transactions went thru for the amount {$580.00}. I disputed the transactions on July 3rd. Due to other fraudulent activity i was told to file a separate claim for the XXXX  transactions which i did on july 19 and was given the provisional credit. On july 21st i got a letter stating that the investigation was completed and that the provisional credit will be reversed since they say the XXXX transactions where approved by me, which is untrue. The claim # i have with wells fargo is # XXXX. I did not make the transactions it was just by a push of a button on my stolen XXXX and if wells fargo honored the other fraudulent transactions totaling {$9700.00} ( claim # XXXX ) they should honor this as well.

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 2022-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2022 I filed 4 disputes for merchandise never received with Capital One. On XX/XX/2022 & XX/XX/2022 I received a statement stating that my claim was resolved & the money was put back on my account. There was no money ever placed back on my account. They told me the money was placed on my account on XX/XX/2022 which is false. I was told I would receive a temporary credit in 2-3 business days & now I dont. I sent over account screenshots, chatted in & called. Several different representatives have told me that the money is in my account & they can see it. How can they see it & I cant. That is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX To : Consumer Financial Protection Bureau I have a complaint in regards to my house placed under foreclosure through my mortgage company Bank of America. My house was paid off in XXXX. Bank of America failed to notify me with the Deed of release. I continued making payments on all the way up until XXXX, when I received a letter with a returned money order stating that I over paid. I then was notified that my house was paid. I have been under bankruptcy twice since XXXX. My payments consistently increased. A couple years back I was under foreclosure where I came across a program that I applied for to help me to stay in my home. I later found out that BOA took the payments from me that I continue making and also taking the payments from the program and lied about the program saying that I was denied. A couple of weeks ago, a XXXX looking man came to my house, knocked on my door, and told me that he has purchased my house. My house was listed on a website called XXXX After the house " sold '' at the auction that was listed on the website. Most of my family members, and members through marriage all received a letter from a lawyer in XXXX, TN letting each person know that my house was under foreclosure, how much it sold for, & the date. The letter also stated that there is an overage or refund that it is owed to me. This has been a stressful, embarrassing time for me. I have paid my house two to three times more that what I should have. While I was under bankruptcy the lawyer for BOA asked that I pay for their fee and the bankruptcy trustee agreed. My house was paid off in XXXX. It is now XXXX. That mean, I overpaid my house for 9 years! and BOA continue to let me while taking my money. I have received a court date for XXXX XXXX XXXX XXXX XXXX for XX/XX/XXXX for Possession of my home. 

This has to be corrected for my children and I. This needs to corrected now so that my children and grandchildren can inherit what I have worked, and struggle so many years for. This house need, must, and will be inherited to my family not to a thief that think that they can come and steal what is rightful OURS. I'm consistently receiving calls, texts, emails, and flyers in the mail asking me to sale my home. My home, that me and my family has built together and made it our own??? My home were there are so many memories in??? BOA has stolen and lied to so many homeowners over the years and I'm one of them. This is a serious issue that needs to be addressed immediately. I need answers fast.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: MD
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 XXXX XXXX XXXX XXXX XXXX Went to get added on my fiancs credit card as an authorized user bank teller ran my credit report for new credit card lines.

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 2022-08-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Select Portfolio Servicing did not adhere to RESPA XXXX Loss Mitigation Procedure. My mortgage was XXXX in bankruptcy in XXXX, 2021. During that time to present I have submitted Request for Mortgage Assistance { XXXX ]. Each request has been denied with Select Portfolio Servicing providing no reason for the denial. I was notified that no home retention options were available to me. The only options that were still available were Deed in XXXX and short sale. Another XXXX was submitted with Deed in XXXX as my option. After countless phone call from me in regards to the status of XXXX. On XXXX XXXX I received a foreclosure sales notice by mail. Upon receiving the notice contacted SPS and was told that the Deed in XXXX had been denied and that I would receive reason for the denial in mail. No reason for XXXX denial has been received. 

On XXXX i a letter stating that SPS was offering {$7500.00} relocation assistance and that the offer had to be accepted by XXXX XXXX. The document was singed by myself and XXXX other adults in the household. The complete document was returned by fax to SPS on XXXX XXXX. I called SPS on XXXX XXXX to make sure the document had been received. I was told that the document had been received and being reviewed. On XXXX XXXX I received correspondence from SPS stating that since the cash for keys offer was not returned I no longer qualified for this option. The way Select Portfolio Servicing handles the Loss Mitigation Process should be investigated thoroughly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: LDF Holdings, LLC
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrow {$1000.00} for a payback of {$1400.00} after I got the money it says my balance is almost {$6000.00} ... I can't afford that and there taking money every week

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation