BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 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 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 2017-12-15
Company: HYUNDAI CAPITAL AMERICA
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
This loan was paid off with insurance and I have requested a paid out letter on the account 3 times. The representatives that handle the account when you call in are very rude and unhelpful. I requested another paid out statement on XXXX17 and again they are stating that they are mailing the letter out. I need to have a paid out letter to be able to prove that this account is paid out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
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: Account information incorrect

Complaint:
I submitted a letter from XXXX XXXX XXXX stating the balance as of today is {$0.00} and a payment of {$330.00} was made on XX/XX/2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
There was a double payment made to my target card. Target claim I made a phone payment that I did not make that caused a bunch of confusion. I need them to prove that I made a phone payment I want to hear the recording that I made a phone payment. This caused all the issue and now I am being held responsible for a returned payment. I will file with the court house if I don't have clarity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: FL
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:
Hi, My name is XXXX XXXX and I have tried countless times for about 8 months now to have unverified debt and wrongful information across the three credit bureaus removed from my credit reports and taken care of. During the past 8 months, my rights have been violated in which the bureaus have not responded or have failed to meet my demands where I reached out to them and they claimed it wasn't me or asked for identification in which I have sent them countless times as a stall tactic. I will submit all my work/disputes I have submitted for the past 3 months and I am hoping the CFPB can finally bring this to a close as dealing with all 3 bureaus have been an headache as they don't comply with the law at all and are still partaking in illegal activities.

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 2017-12-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax has my name incorrectly listed as XXXX XXXX XXXX XXXX. 

Furthermore the following addresses need to be deleted as I have never lived there or they or more than 5 years old. 

XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-29
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
My complaint ( s ) is with TransUnion XXXX XXXX XXXX. I have an old account with XXXX ( formerly XXXX XXXX ) that is still on my report, even though I paid the account and the company is now defunct. XXXX reported it as collection, although it was only paid late. Furthermore, this account is OLD and needs to be removed. 

Furthermore, I have accounts from XXXX that are more than 10 years old. My student loans went into default and I was unaware for about 3 months. This was corrected as soon as I was made aware, and the default period is well past the time it should have been removed. 

Additionally, TransUnion consistently reports LOWER scores than XXXX and XXXX either XXXX, by as much as XXXX points. XXXX has ADMITTED to using incorrect calculations on their scoring model, and has agreed to a settlement via class action. If XXXX is reporting higher scores than TransUnion even with miscalculating consumer scores, then it stands to reason that TransUnion is doing the same thing with their scores. However, they deny any wrongdoing. This needs to be addressed and corrected right away. 

Because of TransUnion 's FRAUDULENT scoring model, I was denied credit that I should have received, and am now paying a HIGHER interest rate on my car loan. I feel I deserve sizable monetary compensation from TransUnion for the money they have cost me due to their deliberately INCORRECT scoring models. 

Thank you.

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 2016-03-29
Company: NATIONSTAR MORTGAGE LLC
State: CT
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have a first mortgage with XXXX Bank XXXX XXXX as trustee which mortgage is being serviced by Nationstar Mortgage. In growing my business, I incurred large start up costs which caused me to fall behind on my mortgage payments. I recently made a good faith proposal to get my loan reinstated within a period of XXXX to 7 months. This proposal included a significant lump sum payment with large monthly payments which I offered to have automatically withdrawn from my account and with a lump sum payment to pay any remaining arrearage after XXXX to 7 months. My offer was turned down and the bank made a counteroffer which would require an even higher initial payment and monthly payments higher than I could in good faith commit to. I feel that I am not being treated fairly by my lender despite my good faith efforts to bring my account current in the not too distant future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
We hired XXXX XXXX with XXXX XXXX and design to remodel our home. He gutted house and left with two payments we didnt receive work or product for. 1st one XX/XX/22 in amount of XXXX for cabinet ordered and framing paid for XXXX paid on XX/XX/22 that we never received. We have tried hiring attorney but its a lot of money. We filed complaints with XXXX  and filed report with XXXX report number XXXX. 
All of his licenses with Florida State addresses are phony. They wont answer attorney or our calls. We have documents of products not received. We are wanting to see how we can reverse our wires.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-25
Company: Rocket Mortgage, LLC
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
My husband and myself are XXXX with excellent credit. We applied for an investment loan twice ( XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX ) through Quicken Loans and on both occassions we were quickly pre-approved and reassured that we 'd be able to close the transaction but later denied funding. On both occassions, after we already had a sales contract, paid for inspecton, application fee and appraisal, and many weeks into the transaction, we were told that the loan could not be funded. 
1. We were not able to purchase a duplex in XX/XX/XXXX/XX/XX/XXXX because after 4-5 weeks after pre-approval and countless documents sent to them, we were told that they could not lend us the money. We were able to put down XXXX % or more of the purchase price. We lost a great investment opportunity with XXXX units already rented and awesome appreciation potential ( we had a sales contract for {$130000.00}, comparable real estate is currently selling for {$230000.00} ) ; we also lost about {$1200.00} in inspection and appraisal fees, and of course, we lost valuable time that we could have used to find funding with another financial institution. We could not purchase this property because we were denied funding. 
2. We applied again XX/XX/XXXX because I work for XXXX, and as a XXXX employee I could get a discount on apraisal and fees. Once again, I was quickly pre-approved, put an offer on a duplex and the seller declined the offer stating that Quicken Loans approved but later does n't close. I went back to Quicken Loans, explained what had happened and asked, if they were confident that we could close. I was, once again, reassured that the loan could be funded, that the seller 's claim was unreasonalble because they 're a reputable company, etc, etc ... We put an offer once again but we had to offer more money for the seller to be confident ( we offered {$15000.00} more ), seller accepted, we had a sales contract, we made an inspection, paid loan fee and a couple of weeks into the transaction Quicken Loans said that the loan could not be funded because they had not noticed that we had other mortgages!!! How in the world our credit ( mine and my husband 's ) gets checked and mortgages go unnoticed? What criteria did they use to pre-approve us? Do QL associates get a commision when people are pre-approved even if guidelines are not followed? Are there guidelines? Are they just playing with consumers to rip us off like XXXX XXXX did? Are they discriminating against us because we are XXXX?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-07
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I an concerned that I am being double billed for the same student loans. Early in 2022, I received information regarding my student loan servicer, Navient. I was informed that they would be handling my loans moving forward. My loan balance is not correct. I contacted Navient numerous times requesting detailed documentation on my loan. I was initially informed that they did not have any information to provide and I shouldn't be concerned since they are in " In-school deferment '' status. On another call, I was informed that the information would be emailed in 2-4 weeks. I never received the information. I called Navient to request the information again and was informed that no information could be provided until July 2022 due to pending litigation regarding some loan accounts, but, they were unable to confirm if I was included in this matter. In July, I never received anything from Navient. I did receive notification from the XXXX XXXX XXXX XXXX that my loans were being transferred from XXXX XXXX to a new service provider. I contacted again to inquire about my incorrect loan balance and was told that I would receive detailed documentation on my loan, via email, in a " few weeks. '' I have never received anything, except for a summary of the incorrect balance. I contacted XXXX XXXX XXXX, who initially stated that they did not have the records and then referred me back to my service provider, Navient, who told me that their records are correct but have failed continuously to provide that information. Rather than sending me the documentation I requested, they sent me generic templates that I can retrieve on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: AR
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 have sent numerous letter to the credit bureaus as well as attempted contact and have yet to recieve any details, response, update, or answers on the matter : The following accounts on my credit report are fraudulent and without consent : XXXX USDEPT ED : XXXX DPT EDXXXX : XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in/on your credit file. The credit bureau has not updated the information and per the new law true Bankruptcy does NOT include this information and should be deleted from my credit report 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 2020-03-29
Company: Experian Information Solutions Inc.
State: AR
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 AND XXXX FURNISHED 1099-C FOR ALL CREDIT CARD DEBT LISTED ON EXPERIAN ONLY, ALL BUREAUS COMPLIED LONG AGO!

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 2019-12-02
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
MR COOPER IS ATTEMPTING TO FORECLOSE ON MY HOME WITH A FRAUDULENT ASSIGNMENT. THEY HAVE NOT RESPONDED TO A QWR I MAILED XX/XX/2019. I ALSO REQUESTED PROOF OF CLAIM. THE LOAN WAS IN A TRUST AND CONVEYED WITH AFTER HE CUTOFF DATE OF THE TRUST. 

THE U.S. TREASURY SENIOR SPECIAL AGENT XXXX XXXX XXXX CONTACTED ME REGARDING NATIONSTAR AND MY LOAN HIS PHONE NUMBER IS XXXX OR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Complaint derivative of the following : The Consumer Financial Protection Bureau ( Bureau ) brings this action against TransUnion, TransUnion, LLC, and TransUnion XXXX XXXX XXXX ( collectively, Corporate Defendants ), and XXXX XXXX XXXX ( XXXX ) under the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5531, 5536 ( a ), 5564, 5565, the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693e ( a ), and its implementing regulation, Regulation E, 12 C.F.R. 1005.10 ( b ), and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681j ( a ), and its implementing regulation, Regulation V, 12 C.F.R. 1022.136. 

When accessing XXXX I did not receive a credit report from Transunion. Also through the XXXX app to view my Trans Union credit report, I was always required to put in my credit card info although it claims to be a free credit report where I would be charged {$24.00} monthly. 
Upon receiving a Transunion credit alert through XXXX XXXX the notification would point to a change but I always had to upgrade my subscription to access alert provided in email notification.

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 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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, XXXX 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 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