BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-12
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:
I am asking that the 30 day late negative placed on my credit report by XXXX XXXX XXXX be removed. When I received my first bill ( TFS Account : XXXX ), I paid my bill online and setup autopay to ensure that a timely payment was delivered. For whatever reason, XXXX website did not process my payment. Upon learning that my payment did not go through, I tried to pay my bill online through XXXX website 2 more times before I gave up and started paying though my XXXX Bank bill pay. I have since setup automatic payments through XXXX and have had no issues thus far. Attached are files showing my attempted payments as well as my banking statements showing ending daily balances. There is no reason the payment should not have been processed. 

I take great pride in my credit history and ability to repay my obligations. As you can see from my attached credit report, I have no other occurrences of bills not being pay on time. Further, in this example I made multiple attempts to use the XXXX provided service to pay my bill only to be rejected. Given this is my first time purchasing a XXXX and using XXXX financial services, I am extremely disappointed to be writing this letter.

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 2017-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XXXX morning, I made a deposit of my bi-weekly paycheck ( {$1500.00} issued by XXXX XXXX ) via Bank of America ATM to my checking account. 

The ATM receipt indicated that {$200.00} would be available for immediate use, and the rest will be available in the next business day. Given this information, I made two transfers from the checking account ( {$6.00} to my XXXX XXXX account at XXXX and {$10.00} my online saving account at XXXX ). 

The next thing I know is that they put on-hold on my deposited check, and withdrew {$35.00} per each transaction ( total {$70.00} ) for " insufficient '' fund from my checking account. I immediately wire transferred {$100.00} from my online saving to this checking account to avoid additional fees.
Here are my concerns : 1. I made my transactions within the range of available fund ( {$200.00} ) given the information they provided. What did I do wrong here?
2. As the BoA e-mail notification came after these transactions already occurred, I could n't cancel these transactions in advance and avoid {$70.00} fees. ( What made me really frustrating is that, as these two saving transactions were not time-constrained, I would have choose to wait until my check cleared had I learned/received notification in advance ).
3. I contacted Bank of America regarding this matter, but they replied to me with " copy & paste '' message.
4. I have been using this checking account for receiving my salary from the same employer for more than 10 months via direct deposit. It was my first time using the actual check to make the deposit from the same employer and I have no idea why they put on hold on my paycheck. The webpage said the details would be available but I could n't find the direct document regarding this situation.

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 2023-04-13
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 is missing that should be on the report

Complaint:
Recently tried to purchase a home and the lender holder told me there were negative items on my credit report that I know Ive paid off. I have been unable to purchase a without a co-signer nor obtain my own place of living because of this same 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 2022-06-15
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  Account # XXXX - 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 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 2022-06-14
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/2022 I purchased kitchen cabinets, counter tops, and labor and signed a Lowe 's store contract for such items. It is now XX/XX/2022 and no cabinets, no counter tops and I have been making payments towards this very expensive purchase. Now after several unreturned phone calls to the store ( Lowe 's store # XXXX in XXXX, NV ) The store 's employee wanted to recharge me the amount due to a system error. I told the employee no and he transferred me to the Manager which the call got disconnected. I called My Synchrony customer service for Lowe 's store credit card and the customer service representative told me up to 90 days to research and they do not control the store or their items. I asked for a full refund since nothing has been done and I am paying for kitchen cabinets that were never installed nor counter tops. The customer service representative would not give me a claim or dispute number. She told me it has been noted and I will receive a letter. 

I have been making {$500.00} a month payments since XX/XX/2022. This is not right and I feel I am being taken advantage of by Lowe 's and My Synchrony.

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 2021-03-10
Company: EQUIFAX, INC.
State: UT
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: Was not notified of investigation status or results

Complaint:
I have been submitting disputes with the three major credit bureaus and none of them have responded to me! I have serious erroneous items on my credit file and I have been getting no where. Since XX/XX/XXXX I have sent multiple disputes and deletion letters and yet nothing seems to get done. The bureaus must remove things from my credit! Under the law you have 30 days to respond to my disputes and its been MONTHS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: CCS Financial Services, Inc.
State: OH
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 XXXX XXXX collection agency ( Credit Collection Serv ) add 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 's creditor did not verify this collection. Also, there is No written 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 say it mines. According to the FCRA. ( Credit Collection Serv ) has violated my rights as a consumer and I'm requesting legal action to remove the account immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
XXXX XXXX XXXX, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of { {$540.00} } with XXXX, XXXX and TransUnion  credit report agencies. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ) I requested XXXX XXXX XXXX provide me with validation of the debt and account ( see attached ) ... on several different attempts by USPS Certified Mail/Return Receipt as a bill is NOT validation. ( see attached ) XXXX XXXX XXXX sent a letter to me dated XX/XX/XXXX attaching a copy of an old billing statement. I have made several dispute attempts to all 3 credit reporting agencies on (XX/XX/XXXX,XX/XX/XXXX) XXXX, ( XX/XX/XXXX,XX/XX/XXXX ) XXXX, and (XX/XX/XXXX,XX/XX/XXXX ) TransUnion requesting the validity of the account on my credit report. I repeatedly asked for Validation as well as Verification and even requested the method of verification and TransUnion credit reporting agency has NOT provided the method. I have given TransUnion ample time and opportunities to make the appropriate corrections to my credit report and they failed to do so. All reported data must be complete, correct, and proven if challenged, otherwise the account must be removed from my credit report per FAIR CREDIT REPORTING ACT.

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: EQUIFAX, INC.
State: TN
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 number 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
FTC  violations XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  all us dept of education XXXX XXXX If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 
In the settlement agreement reached with the FTC, the University XXXX XXXX will pay {$190.00} XXXX, of which {$140.00} XXXX will be used to forgive some student loans for certain borrowers who attended the university. 
These claims will be paid out of a {$1.00} XXXX Settlement Fund established by XXXX to pay all claims, attorneys ' fees and costs, class alks between the big student debt collector and the government broke down after President Trump 's victory. Now XXXX is making its case ... 
XXXX has said allegations in the various lawsuits are unfounded. ... In XXXX, the Justice Department settled with XXXX, which paid nearly XXXX service members {$60.00} XXXX in compensation for having charged excess interest on their student loans.XX/XX/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 2022-01-13
Company: National Credit Adjusters, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XX/XX/2021 I request in writing a certified mail Domestic return receipt validations of debt letter not a request for verification or proof of my mailing address, but a request for validation made pursuant of the above name title and section respectfully request your office National Credit Adjusters to provide me with competent evidence such as original contract interest rate disclosure payment history something that I have any legal obligation to pay you National Credit Adjusters if your office fails to respond to this validation request within 30days from the date of your receipt, all references to this account must be deleted and completely removed from my consumer report /credit file and a copy of such deletion request shall be sent to me immediately. National Credit Adjusters did not remove nor sent me a copy of such deletion should've been sent to me immediately associated with the above-mentioned have grossly violated section 809 & 15 USC 1692g of the FDCPA This account hasn't been Validation my Name is also spelled wrong look at my consumer file it stayed I made payment I didn't this account was a charge off never received 1099C NOTHING they did not respond within the 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX All these accounts 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 with 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. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX All these accounts 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 with 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. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating 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 non-monetary relief
Consumer complaint received 2017-09-12
Company: Ditech Financial LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am XXXX y.o. and SS is my only income. I have struggled for 7 years to make my home payment. I received a notice that ditech had increased my payment, due to an escrow arrearage?? to nearly {$100.00} more a month ... .no way can I afford that since my mortgage payment is already $ 48 % of my income. I only owed about {$35000.00} since paying since XXXX. 

I contacted ditech for a loan modification and they approved it inXX/XX/XXXX with a reduced payment to {$550.00} with a new interest rate of 3.875 %. ( originally a VA loan at 4.5 % ). I signed and returned all their paperwork inXX/XX/XXXX ( ditech website showed {$520.00} due and I paid this in XXXX ). I paid my mortgage at their approved amount in XXXX of {$550.00} and already scheduled my XXXX payment ( electronically ) through my bank. 

I received an email from them today that basically read, 'we changed our mind, you house payment remains the same '.???? 

Is this legal after they already approved the modification? 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In XX/XX/2019 I called TransUnion about cancelling my account. As far as I understood we took care of it. It is now XX/XX/2019 and I was checking the charges TransUnion charged me for their services because I was taking care of some fraudulent activity on my credit. I noticed that they continued charging me {$11.00} up to XX/XX/2019. When I called them on the phone about it, they told me that perhaps I had an offline account. So they checked and that was the case. I was not aware of having more than one account. No one ever mentioned to me anything about offline accounts. I didn't open an offline account. I did not even know what that was so I had to ask about it. So I don't know how I ended up having an offline account.

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 2022-01-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was approved for a loan modification ( Account XXXX ) due to COVID 19 on XX/XX/XXXX with XXXX. My loan was purchased by Carrington Mortage on XX/XX/XXXX and transferred on XX/XX/XXXX. When the account was transferred I noticed the mortgage account was in collections and then place into a forbearance. On XX/XX/XXXX I called spoke to XXXX whole told me to fax my loan modification documents to XXXX and the modification would be honored. I did this. My first payment was due on XX/XX/XXXX. I called XX/XX/XXXX again and spoke to XXXX who told me although the account was locked I could call XXXX to make a payment and my payment would be applied to the modification. I called in XX/XX/XXXX to make the payment for XX/XX/XXXX, I was informed by the rep the payment was for the new modification. She stated I could make a payment online and my payment would be reapplied once my account was updated. I made the payment on XX/XX/XXXX. I called on XXXX, XXXX, and XX/XX/XXXX asking about the account, my loan modification, and my payment. All reps stated nothing to worry about. Today I received an e-mail from XXXX stating I needed to make another payment in XXXX of XXXX in order for the modification to be finalized in the system. I have also received 5 collection notices threatening to take my property, which is improper if I am currently in a modification or even Covid 19 forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 account with XXXX XXXX XXXX account number XXXX Date Opened XXXX/XXXX/XXXX was never Past due 30 days six times or more late at any point please help e resolve this 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 2022-06-15
Company: EQUIFAX, 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  Account # XXXX - XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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  Account # XXXX - XXXX 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 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