BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: Fig Tech Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
15 US Code 1666b In accordance with FCRA, ( FIG LOANS ) has violated my rights. 15 US Code 1681 section 602 A states I have the right to privacy. 15 US Code 1681 section 604 A Secrion 2 : also states a consumer reporting agency CAN NOT furnish an account without my written instructions. I HAVE NOT GIVEN ANYONE AUTHORIZATION TO REPORT THIS ACCOUNT TO ANY CREDIT BUREAU.

15 US Code 1666 B- a creditor May not treat a payment on a credit card account under and open end consumer credit plan as late for ANY purpose.

In addition, under the cares act- creditor made an accommodation which prevents late reporting on any account 15 U.S. Code 1692C -communication in connection with debt collection PAYMENT EXTENSIONS WERE OFFERED PRIOR TO THE STATED DUE DATES therefore your company can not base any payment dates as late from their original due date when you agreed to extend or defer those due dates. This is why your reporting is not only erroneous but also fraudulent. You can not manipulate your own agreement in order to negatively and maliciously report false data. The minute an arrangement was made prevented any account to be reported as late.

I contacted company to request that they not only correct the erroneous late reporting but to also update the balance on the prior paid off and closed account. Company has REPEATEDLY refused to correct this which is affecting my credit rating and reputation as well as my debt to income ratios. I am attaching an invoice for compensation for the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-10-19
Company: Comerica
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
doing busness with direct express field a dispute with them way back in XX/XX/XXXX in the amount of {$87.00} usd i saw an ad on XXXX for a scooter from XXXX XXXX i gave direct express all the paperwork and emails from her saying that i tried to cancel six times direct express refuse to help me they would not help what due i due just want XXXX bucks back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Municiples employees XXXX  Municipal employees XXXX  Went to get added on my fiancs credit card as an authorized user bank teller ran my credit report for new credit card lines.

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 2022-06-22
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX  XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - XX/XX/XXXX XXXX XX/XX/XXXX - apr XXXX, XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX 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. 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2022-08-03
Company: EQUIFAX, INC.
State: MD
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:
Municiples employees XXXX Municipal employees XXXX Went to get added on my fiancs credit card as an authorized user bank teller ran my credit report for new credit card lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear Sir/Madame, I am filing this complaint to inform of the misdeeds of PHH Mortgage and XXXX XXXX XXXX XXXX ). My dad who is now deceased signed documents for a reverse loan for his property at XXXX XXXX XXXX XXXX, XXXX, FL, XXXX. As the XXXX of the property I am now dealing with PHH, who has added many fees to the original loan and is violating HUD policies. Also the XXXX hired by PHH has misrepresented facts in her appraisal of the property which I have spelled out below. 

I write this letter as the XXXX of the property at XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXXFirst there are a few discrepancies in the appraisal done on XXXX XXXX by XXXX XXXX XXXX XXXX License/Certification # XXXX. We believe that XXXX XXXX has misrepresented the total value of the property. The property value is no more that {$200000.00} to {$230000.00}. This value is based on others property sales in the neighborhood. Please find below what we are asking for, so that we can go back to the lender with real numbers for refinance of the loan.. 

XXXXWe want to dispute the appraisal XXXXThe XXXX hired by PHH did not compare the property to the better sold comparables. The property is a XXXX and the property was compared to XXXX, XXXX and XXXX XXXX. 
XXXX. The other XXXX in the neighborhood/area sold in the range of {$200000.00} to {$230.00}. 
XXXXWe are requesting that PHH to do another appraisal. If the appraisal is refused, we will ask XXXX to do it. 
XXXXFound in the appraisal the property is listed as a XXXX and should be listed as a XXXX. 
XXXXThe minimal improvements are XXXX major components that need repair, the roof and the air conditioner. XXXX XXXX only listed minor repairs. 
XXXXWe are requesting from PHH the due and payable package which is item XXXX in the case file. 
XXXX. It should be noted that that there is nothing in the case file substantiating the value of the property. 
XXXXPHH is in violation of HUD rules XXXXAgain it must be stated that the XXXX is widely misrepresenting many items in the appraisal. 
XXXXWe will be filing a complaint against the XXXX. We will file the complaint with the XXXX XXXX and the XXXX Attorney. 
XXXXWe will also be sending the appraisal to the XXXX of HUD and CFPB. 
XXXXQuestions we would like answered : a ) What happened to the homeowner 's insurance paid for by my dad? 
b ) When did the property become HUD insured? 
c ) What's the date the lender place the insurance on the property? 
We ask that PHH takes these matters seriously, and that all can be addressed expeditiously. 
We look forward to your responses. 

Respectfully, XXXX XXXX XXXX XXXX of the Property at XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   2015   ,  XXXX   2015  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-26
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
i call the credit bure au  XX/2016  and  spoken will with upper management i ask about my report i was told their was only just  XXXX  item on my report and i pull my self the only item that was listed on report was a fed loan no public record or anything else all this inaccurate was remove from my file and i check again so month later these things reappear by law sect ion 6-11 of  the fair credit reporting act if item has been remove from credit reporting you must receive a letter within 5 days notification if item would be replace back on report here is item that was remove  XXXX   XXXX   XXXX , Tn Fed Bankrupt, Tn Fed Bankrupt, Tn Fed Bankrupt these three was in public record, Mississippi Div

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 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX This debt is paid and reporting {$0.00} balance but still hurting my credit score. 
This issue came about during the Covid19 outbreak and was just a balance due after I moved out of my apartment. I didn't receive the statement because of staff shortage and the apartment complex not getting it to me promptly. I knew about this bill when I saw it on my credit report and I paid it immediately as you can see from report to paid date. My rent was over a {$1000.00} per month so I wouldn't have purposely let this smaller amount ruin my good credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-26
Company: Experian Information Solutions Inc.
State: CA
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 report I mailed  a 609 let ter on  XXXX   XXXX ,  2017 by  certified mail in order to remove an account that is on my account due to fraudulent activity. On  XXXX   XXXX ,  2017 i i ssued a fraud alert on my credit report so that this could not happen again. I have not heard back from experian and would like this account to be deleted from my report.

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 2015-10-01
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
We got aa title loan from loamart in the name of XXXX XXXX and XXXX XXXX they gave us the check we cashedit they said the bill was due on XXXX XXXX and the tow truck came on XXXX XXXX and repo thethe truck when we was n't even late for the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I completed a XXXX XXXX of 5 years, and it was finally discharged XXXX of XXXX. I recently applied for covid assistant thru XXXX. This is a state funded outside agency to help with covid relief and mortgage payments. XXXX sent my mortgage company PHH Mortgage a relief package to fill put and email back in the beginning of XX/XX/2022. XXXX did not get a response, so they sent another packet via email and still didn't get a response. I called PHH Mortgage to see the issue and nobody can help me I was transfered around and hung up on twice. Once person before hanging up told me my account Is represented by an attorney and is in a XXXX XXXX  and it isn't. I can't get assistance to pay because they will not listen to me and release my mortgage out of this status and also will not allow me to speak to anyone about it. Pleased help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
In XXXX I was considering refinancing a vehicle I have since paid off. I filled out the XXXX online form to view XXXX 's prospective offers for an auto refinance loan. An individual by the name of XXXX XXXX from a XXXX partner, XXXX, contacted me on the morning of XX/XX/XXXX over texts. I was not interested to refinance at the time - I was just looking at prospective offers. I opted out explicitly over texts and told him I may refinance in 1.5 months, of which I have proof. Prior to reaching out, on XX/XX/XXXX he sent my application along with my Social Security Number to yet another company ( not a XXXX partner ) called XXXX 's XXXX XXXX XXXX that pulled a hard credit inquiry on my file. I found this out very late on XX/XX/XXXX. I'd like to state this business has qualification requirements to meet to be able to even take a loan from them, found on this site : " XXXX XXXX XXXX   ''. It is correct to assume I have no such qualifications. I have two issues : 1 ) if I do not recognize or know you as a business, do not touch my credit file, and 2 ) XXXX 's false advertising on XXXX XXXX XXXX  ' : " When you find a lender that meets your needs and is able to offer a competitive rate, contact that lender and get the refinancing process started. '' This statement is false because the refinance process was already started prior to the XXXX XXXX reaching out.

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 2021-07-20
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 is missing that should be on the report

Complaint:
My grandmother added me to her credit card. The card reports to XXXX  and XXXX, but not to TransUnion. Can this be corrected?

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 2022-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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 is NOT doing its part to promote and strengthen the middle-class. The XXXX XXXX in the U.S. from the " XXXX and XXXX '' corner store to localized upward aspiring XXXX 's are in perilous dire straits. In particular, a pandemic has obliterated and exasperated resources and reserves to historic 40 year lows. B of A is owned by XXXX XXXX. Which is owned by XXXX XXXX XXXX an American business magnate, investor, and philanthropist. He is XXXX of the most successful investors in the world with a net worth of over {$100.00} XXXX as of XX/XX/2022. The paradox is " XXXX XXXX XXXX '' is growing greater separating the middle-class from the " haves and the have nots. '' Arizona ranks 50th out of the 50 states in XXXX loans with XXXX lending support, resources and tranches to help our communities! B of A has policies and sophisticated contracts with a litigative team of attorneys to avoid accountability regarding its culpable practices like " ghosting '' and canceling accounts with no real recourse. I know first-hand as the owner of XXXX XXXX. Not only will B of A cancel your account, continue to yield interest on those funds, they will NOT disclose names, respond with an email or provide contact to resolve issues amicably. B of A and any other Banks operating in such a fashion require an immediate overhaul. How are they able to receive Billions in XXXX aid earning record profits and hide behind a wall of secrecy and one-sided policies??? B of A has thousands of my hard-earned dollars and wishes to play Whac-a-mole! Shame on Bank of America and XXXX XXXX for instituting such partisan policies. I have made several attempts to resolve this last contact was XX/XX/2022 My account number is : 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 monetary relief
Consumer complaint received 2017-04-26
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Shellpoint Mortgage Servicing W e received a payoff for  XXXX .   This amount included interest charged for several months.   One of the owners died and the daughter was paying the mortgage for this home and her primary residence. She stopped paying when she ran out of money.   The house was listed on  XXXX ,  XXXX  .We re ceived a contract on  XXXX   XXXX ,   XXXX  .   We are scheduled to close. There is not enough money to cover the interest that have accrued.   I have requested several times to delete the interest. The buyer is anxious to close.   Is this something you can help us with?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent a letter of removing late payments. 

Consumer law violation.

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 2022-08-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Portfolio Recovery calls daily. There are no written correspondence coming to my home and I have no outstanding debts. I want the daily automation calls to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 contacted the company multiple times asking them to delete to verify a bankrutcy which they said it was verified through XXXX XXXX and or the court house I have sent a letter from the court and XXXX XXXX stating that it was deleted or was not verified, and the company still refuse to deleted the bankrutcy after i sent the letters stating the coudnt verify it.

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 2022-07-05
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:
In accordance with the Fair Credit Reporting act XXXX Account Account # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX DE XXXX Phone : ( XXXX ) XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IA XXXX XXXX : ( XXXX ) XXXX and Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, DE XXXX Phone : ( XXXX ) XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-26
Company: Experian Information Solutions Inc.
State: MO
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 recently checked my credit report and found collections inwhich I do not have any knowledge of and since then been trying to remove such information. And in accordance with the FCRA, such accounts needs to be verified by physical documentation and if not then the accounts should be removed. The following accounts are XXXX XXXX XXXX, XXXX XXXX, 3xs on my XXXX, and 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 2022-08-03
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX  in XXXX XXXX XXXX reported me as 30 days late. This was due to an error on their side. I had signed up for automatic payments and they failed to set it up. Spoke with an individual that stated they would take care of it because it was not my fault. Stayed on XXXX called XXXX XXXX XXXX back and they stated they wouldnt change it. Tried to dispute with credit report agency and failed.

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