BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-23
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
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:
1, I have not been used Union Bank credit cards for a few years, and both were stored in my personal and safe place at home. 

2, I got an email from Union Bank for payment, I had to log in to Union bank credit card account, I found that a purchase with {$34.00} was made on XX/XX/XXXX, but I never know about that. 

3, I tried to call Union bank credit card Fraud management Services, and leave many messages for them, but no one responded to me, even though they promise to call back within 24 business hours in the voice messages. 

4, To void the late payment charge and keep my good credit score, I have to make the payment by the due date. 

5, I got a letter from XXXX, Fraud Management Services, the date on the letter is XX/XX/XXXX, it mentions that they already post a credit of {$34.00} to my account and my claim was resolved. 

6, I was very surprised by that, it was my payment, not your credit. I tried to call Fraud Management Service and left messages many times about that, NO ONE RESPOND TO ME. 

7, I had to write a letter to explain that it was my payment and provide the XXXX XXXX  money transfer record to prove it was my payment. I sent out the letter with a bank transfer proof to Union Bank Fraud Management Service on XX/XX/XXXX XXXX, I got a letter from Fraud Management Service which dated XX/XX/XXXX on the letter, it mentions that Thank you for contacting us about the Union Bank credit card account referenced above, we are reaching out to let you know that a review of this account is underway, and if additional information is needed, we will contact you. 

9, I got another letter from XXXX, Fraud Management Service, which dated XX/XX/XXXX it still considers that was union bank credit and posted to my account, so they consider my claim resolved.

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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Inaccurate Address : XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00}, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 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 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 2021-03-24
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This credit card shows as closed on my XXXX report when it is an open account. The account does not appear on either of my XXXX and XXXX reports. This is not an accurate representation of my credit report as they are reporting the account incorrectly on my XXXX report and not reporting it at all on either my XXXX or XXXX reports. 

I have called the company and always talk to someone foreign who put me on hold and never address 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 2017-07-25
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
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:
XXXX XXXX 2017, an unknown hard inquiry pull was made on my credit report. To my knowledge I did not authorize this pull to be made. In requesting I 'm asking to see valid validation of my approval consent and signature stating I authoriz this hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The owner is deceased. All documents have been submitted from the XXXX  Court. This house is a part of an Estate. Ocwen Loan Servicing, first asked for a loan Modification application, we did it, and then they came back and asked for an Assumption  package we did it, Family Transfer package we did it. We sent information concerning the administrators we did it. The person taking responsibility for the loan is the grandson everything was verified by Ocwen.They requested a new Deed with the grandson as the new owner we did it.On XX/XX/XXXX, the new request of Applicant Information Form and the Owner Occupancy Certification was submitted. Then in XX/XX/XXXX the loan was transferred to PHH.

All of these applications and proofs submitted was not accepted or acknowledged by PHH even though PHH is an Ocwen Company.

The person that we worked with was at XXXX XXXX ext. XXXX ( Ocwen ) With PHH, it took 3 months to just talk to some concerning the account and had to call back multiple times and still got no information, but they would put a sale date on a property that complete all of the requirements.We tried to send proofs of all the documents submitted they refused. We completed the new loan modification for PHH they said we did not need too. Yet they have a sale date for XX/XX/XXXX. 
The whole month of XXXX starting XX/XX/XXXX. Each time we called we rece3ived another story after being put on hold for at least 10 times if they transfer you to the right department.We spoke to XXXX XXXX Qualifying Assumptions, then each time we called they told us that the case was esculated, we spoke to ID XXXX, ID # XXXX, ID # XXXX, ID # XXXX, ID # XXXX, ID # XXXX on XX/XX/XXXX and this person said that there were no esculation and nothing was being done to stop the sale Ocwen though everything was done before the transfer. We called back and each time we were transferred they hung up on us. We had scheduled appointments they never called and the assigned representative could not be reached.

We never received a notice of sale from Ocwen or their attorney we found out though a person coming to see the house and from calling PHH.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ). 

( XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ). 

( XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX ) ( XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX ) ( XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX ( Original Creditor : ) 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 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 to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage started out with XXXX XXXX XXXX on XXXX of XXXX. It was transferred to XXXX XXXX XXXX in XXXX. It has since been transferred to Carrington Mortgage Services in XXXX of XXXX. As of XXXX Carrington Mortgage has told us they received a tax bill for over {$3000.00} with a new loan number. On XX/XX/XXXX we received a letter from Carrington ( advance notice of late charge ) the letter is dated XX/XX/XXXX air USPS mail. This is the 1st letter we received with a new loan number from Carrington Mortgage ( see attached ). We have records and we have received from our property appraiser XXXX homestead receipt where it specifies I have homestead exemption as well as total XXXX. We went to the property appraiser 's office ourselves and verified that we don't owe any taxes. When we contacted the military liaison ( supposedly ) office They said that they received a tax bill for over {$3000.00}. On XX/XX/XXXX we sent in our XXXX payment of {$680.00} which includes principle and escrow which is what our payment has been since XXXX of XXXX. And we already have a payment scheduled for XX/XX/XXXX for XX/XX/XXXX 's payment. This amount of XXXX has already been taken out of my bank account yet Carrington tells us that they are not applying it to our mortgage. ( Please refer to Carrington Mortgage reviews ( lies and fraud ) ). I am a 100 % XXXX veteran so where I live I pay no property Ad valorem taxes, only non-ad valorem which is in the amount of {$330.00}. refer to all attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: VA
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 XXXX  Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ). 

( XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ). 

( XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX ) ( XXXX XXXX  XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX ) ( XXXX XXXX XXXX XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX ( Original Creditor : ) 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 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 to 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 2022-04-26
Company: Experian Information Solutions Inc.
State: NJ
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. 

XXXX Account # : XXXX XXXX XXXX Account # : 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 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 to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: PNC Bank N.A.
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: Account status incorrect

Complaint:
PNC mortgage is reporting XX/XX/XXXX payment as 30 days late on my XXXX   and XXXX  credit reports. Also the company omitted reporting my XX/XX/XXXX payment. Around XXXX or XXXX of XXXX, I began disputing the inaccuracy of this to all three credit bureaus. The company did not respond to XXXX  and as a result, the account was removed from my XXXX credit report. The company responded to the other two agencies by deleting information for past payment history for years prior to XXXX. This only resulting in the company giving a " response '' to the credit bureau, but not making the accurate corrections. I kept disputing every 30 days, but nothing changed. The company continued to respond to say the payment history was correct. When I called PNC mortgage directly, I was told my account was showing current and paid as agreed for XX/XX/XXXX. I was told disputes are only handled in writing and had to be mailed to XXXX XXXX XXXX XXXX, OH XXXX. In XX/XX/XXXX, I mailed three letters ( one to XXXX XXXX XXXXXXXX and the others to XXXX XXXX XXXXXXXX to insure the company received them ) with copies of the supporting information. A written letter stating my dispute, a copy of the payment funds and date drafted from my bank account, a copy of my account from their website and a copy of my credit reports showing the inaccuracy of the XX/XX/XXXX payment, which shows as 30 days late for XXXX  and XXXX. I received a letter from PNC Bank dated XX/XX/XXXX which stated the accuracy of my XXXX payments and that they can not remove any negative information. The letter stated the payment for XX/XX/XXXX was reported as current/ paid as agreed. On XX/XX/XXXX PNC bank continued to report my XX/XX/XXXX payment as 30 days late. This was reported to XXXX and XXXX. I have emailed them, but have not gotten a response. I've tried calling again and still have been directed to send another letter to the address given. This issue has been unresolved for almost an entire year. It seems that they are purposely reporting this account as 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: WOOD FINANCE INC DBA PREMIER ACCEPTANCE
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XX/XX/17 XXXX and XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, reached out on 8 occasions in an hour to my employer and called two family members with in the same hour after asked not to reach out to my employer and advised when the next payment would be made. I advised the company and its agents that I would have the payment on XX/XX/17 more than a week prior. The company threatens to repossess and continues to harass me at work and via relatives.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Village Capital & Investment LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My original complaint  XXXX  about VILLAGE CAPITAL & INVESTMENT LLC. I have not been able to connect to my original complaint, but did talk to your CFPB customer service people by phone yesterday and was provided with the info about the response.     I am still not satisfied with the response from  Village Capital. M y issue is that  XXXX   XXXX  provided me with a detailed outline of the process highlighting  10 progra m details.     I provided a copy of  XXXX   XXXX  's notes, as an attachment showing the last bullet item as  " No Credit Check ''. Now there is a second  issue in that  XXXX   XXXX   XXXX  did not provide us with an " authorization '' form before he left, he then sent us an e-mail and asked that we sign the forgotten agreement and e-mail back to him. I did not see any thing stating that we agreed to a credit chec k. One other  issue here is what he presented as far as the relationship to an ARM was that it does n't have the risks associated with an A RM. See Bullet # 5. Ove rall I felt betrayed and lied to by  XXXX   XXXX   XXXX  as the potential risk associated with this ARM program appeared to me to be extremely risky.     I had also told  XXXX   XXXX  before we agreed to anything that I refuse to deal wit h Village Capital & Investment.   XXXX   XXXX  assured me tha t Village Capital wa s just doing the paperwork for   XXXX   XXXX  , but did add that    XXXX   XXXX   typica lly sells their accounts. As the contract I received a week later clearly showed that I was contracting w ith Village Capital, which I adamantly was opposed to.      The last issue is that once I cancelled I was given the names  of Village Capital & Investment  people to contact to resolve this issue. I called both and have yet to hear from either person. This i s one of the iss ues that prompted me to file a complaint, as well as horrible customer service and providing faulty and deceitful information.     The individuals that I was told to contact by  XXXX   XXXX   ( GA Mgr. )   with    XXXX   XXXX   are ;  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Now I would appreciate you following up with me because I will continue to pursue this until I am satisfied tha t Village Capital & Investment removes their Hard Inquiry off of my, and my wife 's Credit Bureau Report. The  credit Bureau  ( s ) assured m e that you could remove the hard inquires, therefore I expect you to execute that demand.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: AmeriHome Mortgage Company, LLC
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:
I recently became a customer with Amerihome mortgage company on XX/XX/XXXX when my mortgage for property was transitioned from my previous mortgage servicer tocompany, Amerihome. I I have one late payment on the above referenced account for XXXX of XXXX. This late payment is being incorrectly reported and is also within the 60 day period where the mortgaging servicer is not allowed to report negative information during the time of transition under section1681a of title 15 Incorrect information may have been also transmitted from my previous servicer to to the new one causing me not to receive notifications. I have spoken to customer service representatives to discuss the issue and have our email address and mailing address corrected the system, Customer Service agent named XXXX informed me that she does not show that my account is reporting negative info to the credit agencies in amerihomes system but my credit report shows a late payment. She gave me reference number XXXX for our call. Since the company stated my payments with Amerihome would begin on XX/XX/XXXX and reported a late payment for XX/XX/XXXX, this should fall within that grace period by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. states I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and needs to CORRECT immediately : 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