BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 XXXX XXXX account # XXXX have violated my rights. XXXX XXXX XXXX account # XXXX have violated my rights. XXXX XXXX XXXX account # XXXX have violated my rights. 15 USC 1681 section 602 A. states I have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instruction

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 2020-03-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The {$100.00} transaction all 3 was denied on XX/XX/2020 by chase atm at XXXX XXXX XXXX XXXX ny. But my bank debit my account. I have receipts transaction denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent TransUnion 8 requests since XXXX of XXXX, to reinvestigate incorrect items. It is now XXXX of XXXX over a year later and Transunion is SILL reporting these items on my report without any response or validation. Ive included the last letter I sent which was XXXX of XXXX and copies of the three accounts they are reporting inaccurately. 

XXXX Account status " derogatory '' This account is PAID AND CLOSED IN FULL. - Remove this to reflect CLOSED XXXX  - Payment status " Late 120 days '' - Account was paid and closed in full in XXXX REMOVE this to reflect PAID XXXX XXXX- Comments- " Dispute resolved " - This account was never in collections, paid and closed and they never even started an investigation to validate any of the information on this account which is incomplete and inaccurate. REMOVE IT This is a huge problem and I expect that these items be removed 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 non-monetary relief
Consumer complaint received 2022-10-11
Company: ENCORE CAPITAL GROUP INC.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Account stating collection with account status of derogatory with date open on XX/XX/XXXX by XXXX XXXX and XX/XX/XXXX by XXXX  both are stating a balance of {$440.00} is reporting incorrect. I have tried contacting the bureaus and the creditor to get the situation straightened out and results to the investigation continue to come back and correct. Date last active has been reported by XXXX XXXX as XX/XX/XXXX with XXXX  while XXXX  reports as XX/XX/XXXX. XXXX XXXX is recording a comment on credit report saying account information disputed by consumer meets FCRA requirements. I strongly disagree as there is no possible way that account can be both on collection while derogatory at the same time and having date last active in accurate. There is no way that both bureaus can be right if information is coming from the same furniture data account is being re-aged pushing back the date it should fall off. 
Second account just different account number with one month difference on date open and slightly different balance reporting incorrectly. 

Account is stating collection with derogatory And date open nest XX/XX/XXXX by XXXX XXXX while XXXX report date open as XX/XX/XXXX both with a balance of {$360.00} is reporting incorrectly. Recording day less active as of XX/XX/XXXX to buy XXXX XXXX and XX/XX/XXXX by XXXX. XXXX XXXX is recording a comment saying account information disputed by consumer meets FCRA I strongly because theres no way that account can be collection interrogatory at the same time and recording an accurate date of last active and date account being open account is being reached pushing back the date it should fall off I do not recall having either of these two accounts especially being just a month apart and to be honest I believe this account is a duplicate Both accounts are reporting exactly the same information with the only difference of account balance and account number being different.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: EQUIFAX, INC.
State: NJ
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:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Ocwen Financial Corporation
State: NC
Product: Debt collection
Sub-product: Mortgage
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
On XX/XX/XXXX I disputed this account with the credit bureaus because I discovered that they were reporting late payments after bankruptcy - please see attached. I also sent them a certified letter regarding this. When the results came back nothing had changed and they completely ignored my letter. This company acquired the account from American Home Mortgage. The account was in bankruptcy from XX/XX/XXXX until XX/XX/XXXX, yet they reported late payment activity during that time. It is unlawful to report an account that is included in bankruptcy. The bankruptcy did not discharge until XX/XX/XXXX so WHY did they report these late payments?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-23
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
They stated that they are closing the account because of to many returned payments when I spoke to over seas customer service they told us XXXX basicly XXXX strikes and your done. The two payments where done because oh human error and it 's not right that they have so much out source help that do n't know right from wrong

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-13
Company: Bread Financial Holdings, Inc.
State: MD
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: Billing dispute for services

Complaint:
I was coerced into buying a time share with company through COMENITY BANK / XXXX LOAN NUMBER XXXX. I have been paying for the timeshare ; but later I realized that I was reported late for payment when I had been paying faithfully, I called them to find out why, and then they told me that a credit card was opened on the account and they ( timeshare company ) uses it to pay for other services, I was wrought because I was not properly explained to me, I told them I did not want a credit card but that it should be closed, and they did close the card and reported me late 92 -120 days, on the card, even though I am paying my monthly time share account religiously and faithfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
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:
I got hit with a hard inquiry on XX/XX/2018 from XXXX XXXX. This is fraud and not authorized by me. I never applied for this card or any card on this specific date.

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 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Almost 60 days now since I've sent disputes for those inaccurate and unknown accounts on my credit report but there's no response yet. I demand to DELETE ASAP those accounts or I will file a litigation.

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 2015-07-09
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a verbal agreement with XXXX XXXX XXXX in which they promise me that my supposed balance would be reduced from {$930.00} to {$760.00} if I start with my payments. It happened about XXXX weeks ago. They also told me that after my XXXX payment, I would receive a notification with the new balance. In addition, during those conversations I told them that I would n't give any information about my bank account because I do n't know who they are, so I made my XXXX payment on XXXX XXXX, 2015 using their website in which I opened an account. 
After that point, I never receive the new statement, and I could n't access to my online account, but even worse is that they are saying today that there is n't any settlement, and they are forcing me to pay the whole amount of money again after I started with my XXXX payment which was of {$200.00}. 
If it is a serious company, there should be all of our conversations recorded, and there would be easy to identify who is saying the truth, and who is dishonest. 
To sum up, my initial balance with the original lender was about {$600.00}. Then, after I could n't pay it for a few months, it skyrocket to {$930.00}. Afterward, I agreed to start my payment if the account would be reduced a little bit, and it was reduced to {$760.00}, and later, I paid {$200.00}, so today the balance should be {$560.00}. However, they did not keep their word, and the balance is {$730.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
All credit bureaus have removed an open account People 's energy from my credit report without my permission which has resulted in a significant drop in my credit score and I believe it 's in retaliation to me contacting this office. I never mentioned people 's energy in any disputes with any of the credit bureaus.

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 2016-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion has me stated as having an account with XXXX that is supposed to be deleted from my credit file. The account was closed on XXXX XXXX, yet Transunion claims that the last date of payment was in XXXX ... which is incorrect and not even possible. Why would anyone pay on a closed account? I spoke with a representative at XXXX Bank and they say the information is correct and they TOLD Transunion and they still have not deleted it. If the account in question was closed in XXXX XXXX, then the date of first deliquency had to me months before, meaning past seven years. On XXXX ( which is owned by Transunion ) they even state themselves the account was closed in 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 2015-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
there are names or alias on my credit report i never used ... also ... an address i never lived at or had

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
They reinserted information that was never verified. They did not notify me within the five day period. I have resubmitted a dispute.

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 2021-01-06
Company: AMERIS BANCORP
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested that the PMI be cancelled in XX/XX/XXXX when the loan amount dropped below 80 %. So I would like to be refunded the XX/XX/XXXX and XX/XX/XXXX PMI premium payments. I was told by customer service ( XXXX ) that PMI premiums will be refunded retroactively. If you review my phone conversation around Tuesday XX/XX/XXXX. You can confirm this. 

PMI was required to be cancelled in XXXX because the amount owed on the loan dropped below 78 %. This has nothing to do with requesting cancelation in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: LAKEVIEW LOAN SERVICING, LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
this is a follow up from a complaint that I filed 5 months ago. but from an issue 12 months ago. 

My previous complaint was : I was impacted by Covid pandemic and I began a forbearance plan XX/XX/XXXX to XX/XX/XXXX. Before it ended, I applied for a loan modification in XX/XX/XXXX. I was approved for a loan modification for 3.1 % which would bring my mortgage down from {$2200.00} to {$1700.00}. XXXX also applied for the home assistance fund. They payed {$30000.00} in XX/XX/XXXX brought current and wouldn't allowed me to get a loan modification and that my issue was resolved. They would not allow me to file another pandemic modification so I had to do a normal modification. I sent in 80 plus documents and the pandemic documents needed none. I was denied because of a {$140.00} food stamp. I should have been approved. I have called over 30 times and received 2 call backs. I called HUD and FHA recourse center. I believe XXXX XXXX is obligated in assisting with my loan modification but are unwilling to do so. I can not reach anyone and when I do, they tell me a supervisor will call me back but they never do. It is frustrating to have to deal with this each time you try to call them. 

... .within days of me filing this initial complaint, I got a response from lakeview and after a slew of deceitful attempts to INCREASE my interest rate, I was finally to the point I was at XX/XX/XXXX with my approved interest rate and payment. I was once again approved for a modification with 3.125 % and a {$1700.00} payment that was approved XXXX but supposed to start XX/XX/XXXX XXXX middle of XXXX I reached out to lakeview because I did not recieve my mortgage statement and online it was showing a different payment amount. XXXX from XXXX reached out and said that the loans are only bought out a certain day of the month and I will recieve a bill when it is due. I also reached out XXXX to pay my mortgage and was told I could not. it was a waiting game until I got a letter a couple weeks ago saying I was past due on my mortgage. I contacted lakeview and XXXX from XXXX called me mid XXXX and said that I need to pay {$6000.00} ish ( from XXXX, XXXX and XXXX ) before they will even buy out my modification even though I had an executed copy of the agreement from lakeview furthermore, they increased my payment from XXXX to XXXX. I stated that I don't have {$6000.00} since I never received a bill and asked to pay my mortgage numerous times and was told I had to apply for a new modification with the current interest rates of like 7 %. I have been dealing with this for over a year now. they are so so so deceitful and I have caught so many lies that I am uncomfortable committing to work with a deceitful company for an additional 30 years

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 2022-03-23
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These Hard Inquiries on my XXXX report I do not recognize nor did I give my consent for. Dated XX/XX/XXXX from XXXX XXXX XXXX and XXXX XXXX. I only have knowledge of XXXX XXXX XXXX XXXX. Also their is a Hard inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX that I do not recognize as I know that I was out of town and not inquiring about an Auto loan on 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 2017-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of America offers a preferred rewards program. They state that you need  a '3-month average  combined balances of {$20000.00} or more in qualifying Bank of America banking accounts  and/or   XXXX   XXXX  and   XXXX   XXXX    investment a ccounts '. and 'We 'll review your program balance at the beginning of each month to see if you 've reached a higher tier. ' both quotes from bankofamerica.com/balancerequiremenents. I deposited the minimum amount for the second tier platinum on  XXXX   XXXX , and to date have not received the benefits of the platinum rewards. I ma de two phon e calls asking to have my account reviewed as on the mobile appliction it states 'Every month we will review yo ur 3-month  average combined balance ... ' and 'It 's calculated based on your average daily balance for  a three  calendar month period. ' No where does it say that a statement must be generated or that it is dependent on the number of days in the month.  A three calen dar month period does not have a foot note stating that it must b e one full ca lendar month. If the deposit occurred on the sixth of a month,  three months later is still a sixth of the month. It will be four  months in  XXXX  and the account I am sure will not be back dated. Our statement closed on  XXXX   XXXX , not the  XXXX  as in  XXXX . To be able to claim  a three m onth time frame with no particular details is extremely deceptive.

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 2021-03-25
Company: HIGHLANDS RESIDENTIAL MORTGAGE
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We closed on the sale of our house in XX/XX/2020. During the closing process, there was miscommunication between our mortgage holder and the title companies involved. Our mortgage company paid the winter taxes in full before we closed ( which they were not supposed to do ) we then got charged the prorated amount at closing, resulting in the winter taxes being double paid. The refunded amount went to our buyers mortgage company and was placed in their escrow account when it should have come to us. We had a split closing, and the 2 titles companies ( XXXX XXXX XXXX XXXX XXXX XXXX ) involved talked and came to an agreement that we were due a refund of {$1900.00}. Our buyers mortgage ( Highlands Residential Mortgage Ltd from XXXX, TX ) company refuses to send us the money that is rightfully ours. I will attach an email chain that details this in fully.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-06
Company: EQUIFAX, INC.
State: GA
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:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation