BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-12
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My original mortgage was with XXXX, I had a modification agreement with them XXXX then changed to XXXX XXXX I then had a modification agreement with them XXXX then transferred my loan to Green Tree. Somehow they did not have my modification and returned my payments. Green Tree stated I had to start the process all over while charging me more fees interest and costs. I do not receive ANY STATEMENTS I have no idea what my mortgage balance is, what fees or costs have been added. I have completed the modification papers atleast XXXX different times to date and they always have some excuse as to why its not processed. I have no idea what the current balance due is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have been a victim of identity theft and tried correcting my information with the credit bureaus. They told me to get a notarized affidavit, send them my driver license and social card ; which I did. I have been dealing with them for the last year and it gets so frustrating how I get denied for everything I apply for even though I am a very responsible person. As a matter of fact, I have kept all of my correspondence with them as proof that I have sent everything that they asked from me. I called several times as well. I have had notarized my affidavits and police report twice already but up to now, the accounts are still on my report which is barring me from having a decent credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
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: Problem with personal statement of dispute

Complaint:
This complaint involves XXXX, XXXX XXXX, and XXXX XXXX. 

I have held an XXXX credit card for several years, and historically it was associated with an account at XXXX XXXX. I had automatic payments set for that account and never had a late payment. 

In 2022 XXXX switched providers to XXXX XXXX. I do not recall receiving any notice of this change, and the first I heard of it was when I received an alert that my credit score had dropped by nearly XXXX points. This change was made before I received a new credit card showing any kind of XXXX XXXX logo, and the automatic payments that I had set up at XXXX XXXX  did not transfer to XXXX  XXXX. 

I brought the account up to current in early XXXX immediately after learning about the issue, and in XXXX I mailed a letter to XXXX XXXX describing the issue and requesting to have the late payments removed from my credit history. XXXX XXXX responded on XX/XX/XXXX that they were unable to do so. 

I am requesting to have the late payments removed from my credit history. The change between credit providers was made without any input on my part, and had it not taken place my automatic payments would have prevented the issue from occurring.

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 2016-04-06
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage broker made an unathorized withdrawal from my checking account in the amount of {$3000.00} which includes a XXXX dollar wire transfer fee as my mortgage is {$2700.00} they helped themselves to {$230.00} additionally. It is criminal that any entity can withdraw funds without your permission. I want sanctions against Ditech Financial for robbing my account. Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My home was sold and closed via wired payment on XX/XX/2014. However, XXXX of XXXX of the lenders that held my mortgage are currently reporting it as active, and open. Please assist! I have attempted repeatedly twice in 2 years to clear this with dispute and phone call and it is still on my credit reports- Transunion , and XXXX. I was trying to get preapproved for a home loan and they made me aware it is still open. 
When I contacted XXXX, I spoke with Agent XXXX # XXXX. She also informed me she could see on their database that the loan showed closed, however she refused to per our request send an manual report- XXXX to correct immediately. Instead, she directed me to submit a complaint for investigation to their email- XXXX, she also took my name, number, and loan # for her manager XXXX to contact me. I am still waiting for that call to correct this issue directly through them. I have attached all information, and I thank you for your help in advance.

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 2015-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion is continues to report a account that does not belong to me that I have disputed several times according to my rights under FCRA. I also have provided them with proof from XXXX that states they can not locate and account number under my name, social security, date of birth, etc ... I am hoping that the CFPB can help me get some results.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I 've notified, disputed, and re-disputed to each and all XXXX credit bureau 's to accurately and correctly report that my XXXX was Paid-in-Full. All XXXX bureau 's have XXXX different and varying reports listing paid-less-than-full-balance, collections, or unpaid outstanding balance, which pushed into XXXX XXXX - XXXX XXXX, causing severe and discriminating consequences from a rental apartment company. Additionally, XXXX has also failed to update and/or notify or the XXXX credit bureau 's have failed to update their records citing XXXX60 days late, when in fact that should be XXXXNever Late.

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 2022-11-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am a member of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am usually not afforded the ability to view a location prior to moving there, meet with landlords personally, or tour homes. Because of this, often times we have to view properties online through applications like XXXX. 

On XX/XX/22, I found a home on XXXX for rent. I completed the application for the property that was said to be for rent by the owner. I confirmed the name of the owner listed on the site, matched the owner in the XXXX XXXXXXXX parcel record. 

On XX/XX/22, I received an email and call from the owner letting me know that I had been selected for the property and if I wanted it, the next step would be to sign the lease and submit the deposit of {$1200.00} and the first months rent of {$1200.00}. The owner used XXXX, which I have used in the past and assumed it was a reliable service. 

On XX/XX/22, I sent the first transaction to the " landlord '' via XXXX attached to my USAA app. USAA adds a transaction limit of {$1000.00} per 24 hour period, so I would have to make these payment in XXXX transactions. On XX/XX/22 I sent the next {$1000.00} and on XX/XX/22, I sent the final transaction of {$400.00}. Totally in {$2400.00}. My landlord said he only got 1/3 payments even though I received receipts from USAA. When I called USAA, they confirmed the money had left my account. The landlord sent me a screenshot of his XXXX transactions from his XXXX  XXXX XXXX account, showing only one transaction. After a week, I asked the landlord if we could have a conference call with him and his bank, XXXX XXXX XXXXXXXX, so that I could hear directly from them that they had not received funds. At that point, he stopped answering my emails, texts, and phone calls. When I attempted to call him XX/XX/22, his phone was disconnected. It's evident I have been scammed. 

That night, I called my XXXX  to dispute the 3 charges. I received notification from them on XX/XX/22 that they were not returning the funds/the recipient 's bank would be responsible for this and were also not returning the funds. Essentially they were blaming me for the scam, which is extremely disheartening. I called XXXX and XXXX XXXX XXXX, they also were unwilling to do anything. Now I'm out {$2400.00} which is a significant amount of moving, especially before a move and the holidays. I'm extremely disappointed in USAA and really am considering taking my business elsewhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: ALLY FINANCIAL INC.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive at least 10 calls a day from Nuvell Financial. When I pick up they say please call certain number. When I let the answering machine pick up they leave no message.

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 2016-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX, 2016 I 've noticed a hard inquiry from XXXX XXXX XXXX XXXX XXXX ) reported by TransUnion. I have n't applied for credit cards over the last three months. I 've tried to call TransUnion but there 's no way to speak with service representatives.

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 2016-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
A fraudulent debt was assigned as an adverse account by TransUnion. A police report was filed an a copy sent to the collection agency used XXXX XXXX XXXX, but TransUnion will not remove the fraudulent address and telephone number that were used for the services or the adverse account, from our personal information in their system. A copy of the police report is attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-06
Company: FinCo Services Inc DBA Current
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am the legal guardian and grandmother of XXXX XXXX XXXX XXXX There is an associated complaint that I have already filed, case # XXXX regarding credit card fraud committed by his biological mother XXXX XXXX XXXX Currently, she has initiated or may have initiated in the past a paycard for direct deposit for my grandson which was not authorized by me. He and I plan to establish a physical banking account, not a pay card as this will be his first job at age XXXX. After being hired at XXXX XXXX and first date of on the job will be XX/XX/2022, his mother apparently ordered a pay card in his name allegedly preparing to make transfers into his account. I explained to my grandson that he will not being using a pay card and explained to his mother who continues to exploit his social security number. I have attached the guardianship document, his social security information, my license and a text message sent from mother who admits to making plans to transfer money between accounts when she is no longer responsible for him.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
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:
Please note, this is not a duplicate complaint, I'm sending this complaint because Experian turned me down with my dispute an error on my report. I had to do my own investigation and provide new evidence to this matter. So, XX/XX/2021, I sent a letter to the courthouse asking do the report bankruptcy to the credit bureaus and I got a letter responded on XX/XX/2021, stating : They DO NOT REPORT any bankruptcies to anybody So If this the case. How did the credit bureaus verify my bankruptcy as XXXXXXXX XXXX Accurate?? They never did a fair investigation according to the 15 USC 1681. The clerk of courthouse pulled up the record by my social security number and name and address and no result. Please see attached with this complaint.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from consumer. 
They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C. 1681 section 602 A. States I have the rights to privacy.

According to : 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.

According to : 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 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 2021-03-18
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX//2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is reporting XXXX XXXX again on my credit report. I 'll written to you all before about this account associated with XXXX. It has appeared as XXXX XXXX and was removed ; it has been XXXX XXXX XXXX. This is the second time it has been reported as XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: EQUIFAX, INC.
State: TN
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 sent a letter out on XX/XX/2022 to Equifax, and XXXX. However, its been more than 30 days and the credit bureau failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. Code 1681i Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I contacted the Credit Bureau, requesting validation of the Bankruptcy, because I did not file a bankruptcy. I was sent back a credit report stating that the bankruptcy had been verified by the Federal Bankruptcy Court ( but no documentation to support that ) and if I had questions to contact the Bankruptcy Court at the address listed on my Credit Report. I sent a letter to the Bankruptcy Court requesting they 're procedure for verifying information with the Credit Bureaus and they sent me a letter back stating that they do not report to any of the Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX broke there contact at that point in time never gave me notice of the change It went from {$89.00} each month to $ XXXX each month + they would add channels or remove channel and I never asked for there for I canceled.. I 've had several collection offers from $ XXXX there fore I elect none they ca n't get it right i owe nothing and want it off my credit score thanks 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 2022-11-06
Company: Chime Financial Inc
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX of this year I requested chime to pause my account because I could not find my card and my phone was stolen the night. My XX/XX/XXXX I notified them that I found my card and wanted to reactivate my account. Since then they have told me that they have not been able to help me because they could not verify that I was who I was. It turns out that the person who stole my phone on XX/XX/XXXX had hacked into all of my accounts including my XXXX email and my XXXX online banking app. So when I try to verify myself with chime through passwords and emails that they could not grant me access. They said that if I could verify or prove my existence with a selfie with myself and my ID and my social security number that that would suffice. Since then I have sent many photos of such. They keep telling me that they have a higher than normal ticket volume and they'll get to me when they can. It has been over a month and a half now and there has been no resolution. He has even affected my work and my rent status. To the point now that I almost lost my job and I am now homeless. What am I to do? Please CFPB me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I assume this is a energy company. Not sure what state it is in but I have never has service with XXXX energy. I was living in Ga at the time they reported the service and I do not believe this company services the Ga area.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to XXXX by XXXX XXXX XXXX XXXX and 3 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number XXXX XXXX XXXX XXXX, IN XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, IN XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, IL XXXX MULTIFAMILY NONE XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, CO XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY

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