BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-02
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2022-06-02
Company: S & S Recovery, Inc.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
This was very misleading when I qualified for federal pell and grants and had to stop school due to emergency XXXX. I am unable to enroll in college due to this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
SHELLPOINT MORTGAGE SVC XXXX This account should NOT be reporting any late payments as there was a " Forbearance Agreement '' placed from XX/XX/XXXX through XX/XX/XXXX. 

My credit report shows I was reported late in XX/XX/XXXX and XX/XX/XXXX. This is not correct. My payment for XXXX was made on XX/XX/XXXX and XXXX 's payment was made on XX/XX/XXXX. See proof of bank statements attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There are XXXX incorrect addresses showing on my credit file. Please remove them XXXX XXXX The correct address should be : XXXX, XXXX, GA 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 2015-06-15
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XXXX of 2008, my husband and I sold our home to a third party. The lawyers for the buyers failed to payoff our mortgage and allowed the buyers to assume our mortgage. Subsequently the mortgage went into default and the mortgagor XXXX XXXX XXXX foreclosed the property. I have filed a lawsuit against XXXX XXXX XXXX and the buyers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am an XXXX XXXX service member with SCRA benefits. I have an auto loan through XXXX Bank and I have been late on the account 2 times since I have had the car and XXXX times the account was late XXXX3 days and the most recent XXXX I tried to call in and pay on the XXXX with a due date of XXXX and he told me to call back the following week to avoid a fee so I did that and then they reported it late after being told they would not. I got the car before I went on XXXX XXXX and I should be getting charged late fees plus nothing should be going on my credit while I am trying to serve our country. I should not have to be dealing with things like this in my current situation. This is why there is SCRA protection. I would like the late payments removed from my account immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: BARCLAYS BANK DELAWARE
State: TN
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:
I Used my XX/XX/XXXX Mastercard through Barclays bank to purchase a trip back in XX/XX/XXXX XXXX through XXXX. for the amount of {$3800.00} and insurance payment of XXXX. In XX/XX/XXXX I received an email from XXXX stating my trip which was scheduled for XXXX XXXX, XXXX to XXXX XXXX had been cancelled and they were unable to give refunds and for me to reach out to my credit card company to get my refund. I called my card company they said I had to send in written statement which I did. Supposedly they put it in the system incorrectly which i didnt know but they told me it would take 3 billing cycles for my refund. So once i waited and received nothing i called again at which they said I needed to resend my paper statement which I did. This time I called in early XXXX and spoke to a supervisor which apologized and said she would take care of it. I got 4 letters from my card company. One dated XX/XX/XXXX XXXX explaining my dispute. One dated the XXXX saying my dispute was denied due to time frame. Then two dated the XXXX saying it was being investigated again. So I contacted them via the chat system which I have copies of the conversation and was told I would hear from a manager in 24 to 48 hours which it has now been over 48 hours and I've heard nothing. I'm missing nearly {$4000.00}. And they have been charging me interest on this since I tried to cancel in XXXX. Now it is services not renderred because I did not go on my trip XXXX XXXX. I've filed a police report and with the FL AG. This is my last hope to get my money back

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 2016-06-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX is a fraudulent identity theft account also is a copy of my police report number is 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 2015-08-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I 've sent Experian copies of letters and proof of payment of an account I am disputing but Experian still will not remove the negative account with XXXX XXXX XXXX XXXX this has cause me to fall out of escrow, potentially lose a home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'M HAVING ISSUES GETTING MY DISPUTE PROCESSED WITH THE CREDIT BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: ACIMA CREDIT, LLC
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 have file a dispute already for ACIMA to be remove from my report.. I have never had an account with them in my life. This dispute was done in XX/XX/2020. I do not understand why it is taking so long to remove this from my report. If there was issues then I should have been contacted instead of ignore like I this has been.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Since XX/XX/XXXX we have been trying to correct an error in our credit history in reported by the credit bureau. The error continues to this date. In response to our claim the bank send us a letter indicating that error was corrected in their system and that credit bureau was notified ( See Exhibit XXXX ). After several a couple of months of monitoring our credit report we contacted the bank to inform them that correction has not been made. The bank indicated that they did what they were required to do and that the problem is with the credit bureau which has not made the correction. They suggested that we contact the credit bureau and ask for a correction. We contacted the credit bureau but never received a response. 
Attached is evidence that that payment was made and debited our account at XXXX XXXX XXXX on XXXX XXXX, XXXX. 
We appreciate your help in getting the credit bureau to correct the record. We would appreciate a notification of the correction made.

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 2022-06-02
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : - XXXX XXXX inquiry date XX/XX/XXXX - XXXX, inquiry date XXXX, XXXX, XXXX - XXXX, inquiry date XX/XX/XXXX - XXXX, inquiry date XX/XX/XXXX - XXXX XXXX XXXX XXXX, inquiry date XX/XX/XXXX - XXXX XXXX XXXX, inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/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, also states a consumer reporting agency can not furnish an account without 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 2022-10-12
Company: OneMain Finance Corporation
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:
ONEMAIN FINANCIAL ( Finance ) - XX/XX/2021 I did not authorize this hard inquiry that is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Square Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was trying to send a Friend {$50.00} and I sent it to the wrong person and her cash tag is XXXX XXXX. I tried to cancel it but I didn't receive my {$50.00} back. I keep emailing cash app people that I just want my {$50.00} back into my account, that I don't want to send it to no one. They keep saying the same thing over and over again, who was you trying to send it too. And I keep telling them that I just want my money back into my account that I dont need it sent to no one cause I just ended up driving over to my friend house to give them {$50.00} so I dont need it sent to no one. Just put my money back into my account. They just keep saying the same thing over and over. They wont even answer my questions either. I even told them to call me and they dont even do that. I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am having an issue with Ocwen. We requested a short sale and sent a complete package and Ocwen acknowledged receipt of the package on XX/XX/XXXX. With a sale date of XX/XX/XXXX, the package was received prior to the 37 day deadline. Ocwen keeps asking for a rental certification ( the house is NOT rented ) We have repeatedly told them the house is not rented. Then they asked for a Social Security Awards letter. The homeowner has been getting social security for 25 years and does not get a " awards letter '', just a XXXX. We have sent this to Ocwen three times. They are just trying to delay so they can take the house to sale. They have unclean hands. 
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Ocwen verbally advised that they would review the buyer 's cash offer for closing before the foreclosure sale and also stated that they could request a postponement on the foreclosure, however have not done to to date. 
Also, the note was rescinded on XX/XX/XXXX and Ocwen is not honoring this recission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: NAVY FEDERAL CREDIT UNION
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: Commonwealth Financial Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently checked my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never received a notice from this company. I have never received goods nor services from this company and I have not signed a contract stating I would do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02
Company: Suttell, Hammer & White, P.S
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I quit paying XXXX XXXX because I have. XXXX & lost my job. This is an very old debt and this cdebt collector will not say who they are & want they want without making me answer questions that they say is being recorded. It 's White Hammel & Something out of XXXX. For years they have called me & threatened to sue me. They said my debt will never reach a time when is it expires. How long can this go on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: SUNRISE CREDIT SERVICES, INC
State: PA
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:
My name is XXXX XXXX a federally protected consumer, and I am making this complaint against Sunrise credit services inn. for committing identity theft. I have never given sunrise credit service, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with Sunrise credit service and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022 I have not received any documentary evidence, such as a trilateral contract, giving Sunrise credit service any right to collect on this alleged debt.

I have never received any documentation requesting validation from Sunrise credit service before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Sunrise credit service can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Sunrise credit service, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Sunrise credit service, continues its collection efforts, I will file for litigation for actual damages caused and Sunrise credit service, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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 2017-03-10
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I had a builders construction account set-up for myself and XXXX. We deposited {$170000.00} into it, and XXXX deposited another {$170000.00} into it in as loaned funds in our behalf. Frost Bank set-up the account as a construction debts account in our behalf with the builder. The builder began to misappropriate funds and mismanage the account. The Bank fired the builder, and now we want to know if the account was insured by the bank for theft and fraud, and if so, buy whom or what federal agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I want to know how Trans union arrives at a credit score What causes the difference in the types of scores. As car finance, Bank finance, Home finance payments.Credit cards.What priority and scores apply to these. 
Also Foreclosure, Short Sale, Deed in lieu, or Foreclosure started. 
What determines the length of time things stay on my credit report and the [ process used.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: ICUL Service Corporation
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I have tried to get a replacement card from ICUL Service Corporation XXXX XXXX XXXX XXXX XXXX IL or XXXX XXXX XXXX XXXX Fl XXXX or XXXX & XXXX I have called several times. The representative stated my card will be mailed out. When I did not receive the card, I called again, the representative stated no card was mailed out. She stated she will send another, I'm still waiting. I do not understand what is going on or if the number I'm calling is fraudulent because it's the number provided on the statement. What kind of business is this? I have not moved, and all my information is the same. Where is the replacement card, that I have requested several times over 1 year now? Also, why I have to make several calls to this business and now put in a complaint in order to get service?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They still have not placed me into a payment plan like other cardmembers and now they are illegally allowing criminals to access my American Express account online. Criminals have now gotten onto my account and made two illegal payments of about {$300.00} from my XXXX account. I was in agreeance to lowering the credit limit and entering a payment plan of about {$55.00} a month for two Amex cards if they are re-opened. It seems like some XXXX, XXXX or other people related to the CEO are logging into my account and making very large payments to my account without my knowledge. Why does the CEO allow such large payments to be taken from my account when my account is closed? When I had my account opened I paid the normal monthly balance like other clients? I never had a problem with my account until I entered the XXXX  in XX/XX/2021.

Company response to consumer: Closed with explanation