BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified Inquiries listed below are still reporting on my credit report in violation of federal law. The 3Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following inquiries completely from my Credit Reports : XXXX : XXXX. XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX. XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX. XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX : XXXX. XXXX  Date of Inquiry XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX  XXXX Date of Inquiry XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX  Date of Inquiry XXXX XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Date of Inquiry XXXX. XXXX, XXXX XXXX. XXXX XXXX Date of Inquiry XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX Date of Inquiry XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX  Date of Inquiry XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX Date of Inquiry XXXX. XXXX, XXXX TRANSUNION : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX  Date of Inquiry XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX Date of Inquiry XXXX. XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX. XXXX XXXX  Date of Inquiry XXXX. XXXX, XXXX XXXX. XXXX XXXX # XXXX Date of Inquiry XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Date of Inquiry 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 explanation
Consumer complaint received 2022-07-22
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:
I submitted a letter to the 3 Credit Bureaus dated XX/XX/2022 to update these inaccurate records. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1500.00}

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 2017-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
TransUnion had a computer glitch and inquiries were added on to my report. Transunion added the inquiries without sending me a written notice 5 days prior to re add them. I contacted Transunion in good faith to ask them to remove the inquiries that they illegally re-added. I took notes of everything that was said.I explained that the inquiries added a hardship and my rights have been violated. CFPB please help and stop letting Transunion from victimizing me.

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 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-08-04
Company: EdFinancial Services
State: DC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I made a payment on my student loan account at EdFinancial for {$500.00}. On that day, my account showed the correct balance I owe. However, on XX/XX/2022, I logged into my account and it showed the WRONG amount owed on my student loan balance. As of my last payment on XX/XX/2022, my balance owed should now show {$4700.00}. However, since XX/XX/2022, it shows that I owe {$10000.00} which is INCORRECT. 

I called EdFinancial on XX/XX/2022 about this, and they said there was a " glitch '' in their system and they also said my balance would be updated within XXXX - XXXX business days to reflect the correct amount I owe. 

On XX/XX/2022, I logged into my account on EdFinancial and saw that it still shows the incorrect balance owed. So I called their customer service department on the same day ( XXXX XXXX, XXXX ) and they said that they would escalate my request ( to update my account to reflect the correct balance I owe ) to their Finance department. They also said my account would be updated within 4 business days. They also said " for some reason '' my recent payments were " unapplied '' to my account ( even though the " Payment History '' has a correct tally of all the payments I've ever made ). They also said that I am not the only student loan borrower that is having this issue with them. 

In my view, something very suspicious is going on at EdFinancial. Why are they taking my payments, but not applying them to my account? Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I was pre-approved for a home loan by TD bank by XXXX XXXX their loan officer. I proceeded to look for a home with my realtor and when we finally found XXXX and our offer was accepted it was about XXXX dollars less than what the bank offered to us. During the process we were required to pay for the appraisal and inspection for the home. We also gave the bank our deposit. They gave us a conditional approval letter which I believed was unfair since it requested to pay for a cosigned student loans that were not mine. When they realized that and requested the documentation of that it was indeed a cosigned loan, i provided all documentation they asked for. I also did everything else they asked for like taking the home owner class and opening an account with TD bank. After verifying income and employment again and calling my job requesting the same paper work from them again, even pulling me out of meetings, I was told over the phone by XXXX XXXX and my realtor was also informed as well that " I have the house ''. There were multiple closing dates that were moved for XXXX reason or another but as we were guaranteed to move into closing I had given my current apartment notice that they required before I vacate my apartment.The closing was supposed to happen in 2 days and I hadto be out of my apartment in a week when I get a call from XXXX XXXX that I do n't have the loan because they do n't like the amount of hours I 'm working. To me this is crazy because the information about my work they had since day XXXX almost 3 months ago. To waist my time, money and energy and cause extreme emotional distresssince I was left homeless to scramble to find a place to live in a week. That call was the last time I heard from them with no real explanation and its been 2 weeks with no official letter or call. There is no justification is to mislead and discriminate against me claiming information you had from the beginning about my income which was obviously enough to get me the pre approval along with my credit and to even call and tell me that I have the loan as well as my realtor. To lie to me, give me false hope which i made decision based on and that concern my life and my family 's on is horrific! To be at the finish line and to pull the rug out from under me is a disgrace!. I believe that their decision was based on the fact that I am a Woman and a minority. There is no justification to excuse what TD bank has given. They should be refunding every expense that I had to make with regards to this messy situation, our deposit, the appraisal which we never got the report from them on, the inspections, the moving expenses and the realors fees etc. I am out of a place to live which I loved. TD bank needs to do whats right for what they did. Shame on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I went online to Transunion.com/XXXX and was not able to obtain my free credit report. I was referred to XXXX and was able to obtain a free credit report using the telephone options however was not able to obtain copy of my credit score for FREE. I have to pay@XXXX. The telephone number does not provide you with an option to speak to a live agent. 

on XXXX I was declined a credit card with XXXX XXXX ( application with XXXX XXXX XXXX ) because my FICO score is not available with Transunion. 
Why do I have to pay for my credit score? I cant even get it from my creditors that offer it for free XXXX and XXXX XXXX XXXX because they obtain it from Transunion and I do not have a FICO score available at Transunion let alone obtain credit without one. 
Are they not a credit agency? 
Shouldn't I have a FICO score available? 
Do they not screen the customers they service to ensure that they all have a FICO score, that is why we have credit correct? 
Why can not I not talk to a live person?

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 2017-02-25
Company: Freedom Mortgage Company
State: HI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
When the loan was purchased from XXXX to Freedom Mortgage all contact information was incorrect. Thus I was never notified of the sale. In spite of making on time payments a cascade of various late fees and negative credit reports were issued. Once I was aware of the situation it took months to resolve. Now I 'm being hit with another {$110.00} late fee again even though I had made my XXXX payment on time. Their excuse is that they had adjusted my monthly payment amount an additional {$20.00}, and that they 've waived enough payments for me in the past ( even though those waivers were their fault ). I feel harassed by an agency I have no say in and no recourse to take my business else wheres without paying huge refinancing fees.

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 2021-02-04
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The alleged debt that has been reported on my consumer reports is the amount of {$16000.00}. I never received any notice of alleged debt to dispute. It is a defamation of my character/reputation. I have reached out to the company to dispute the alleged debt and am waiting on a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions 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, 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 explanation
Consumer complaint received 2016-12-22
Company: FIRST NATIONAL BANK OF OMAHA
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
On XXXX XXXX, XXXX XXXX, XXXX served me with a Summons for Civil Case Number XXXX, In Magistrate 's Court dated XXXX XXXX, XXXX on behalf of XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX , South Carolina XXXX ( XXXX ) XXXX ( XXXX ) XXXX I live in XXXX, South Carolina which was declared a disaster area in XXXX and XXXX, in the complaint plaintiffs states " Defendant used the account to and/or authorized to use of account to obtain cash advances and/or make purchases and/transfer balances from other accounts '' I was never authorized to use the account, obtained cash advances, or transferred balances from other accounts by the Plaintiff XXXX XXXX XXXX. I contacted Frist National Bank XXXX Omaha to make arrangements to pay the account and A representative stated they could not help me. 

On XXXX XXXX, XXXX Attorney XXXX filed summons XXXX, which is my daughter birthday and the same day President XXXX, I think this is unfair business practices and harassment, therefore I am requesting an investigation into Attorney XXXX, XXXX, XXXX, and XXXX XXXX XXXX business practices. 

I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
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: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 



XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$25000.00}

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 2017-01-26
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Dear CFPB, I am writing to you because my mortgage company is refusing to help me keep my home, I requested for help and my mortgage company told me that they were going to review my account for a loan modification under the home affordable modification tier 2. 
Now after 4 months waiting for a decision, my mortgage company told me that the investor reviewed my account and due to my back ground it is not on their best interest to help me keep my home. 
I recently received a denial letter however I called them I told them I did n't agreed with their decision. so they told me they will not help me appeal the decision since this is the investors decision. 

Please help me since all im looking is to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: Nationwide Debt Management Solutions, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
CONTACTED EMPLOYER UNDER NON LEGAL NAME, BELIEVED TO BE A SCAM, ALL CALLS WERE TOLD TO CEASE FROM ALL NUMBERS, THEN CALLED AGAIN IN 30 SECONDS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 these accounts have violated my rights : ( 15usc.1681 section 604a section2 ) & 15USC 1681 602a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX *15USC 1681 section 602a states i have the right to privacy & 15 USC 1681 section 604a section 2 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 2016-11-26
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
I opened a Nordstrom card on XX/XX/XXXX16 because the customer service agent at the store said, repeatedly, that I would receive a {$20.00} statement credit as well as a {$20.00} certificate to be used for a later purchase. My husband heard her say this multiple times as well. I did not receive the statement credit, so I contacted their online customer service and was told " sorry, the agent who told you that was incorrect. '' I said that was not acceptable and that I had been given fraudulent information to open the account ( which I would not have opened if not for the supposed promotion of {$40.00} credit in total ) and the response was to give me the credit, but take away the certificate, so in essence still the same {$20.00} value - half of what I was told multiple times I would receive when opening the account. The sales rep who encouraged me to open the account was very persistent and was clearly getting some kind of bonus for signing me up as she announced it very loudly to her colleagues and also placed a phone call to let someone else know she was signing up a new customer. It is obvious that she is receiving a financial incentive for signing people up, and in my case used false information in order to get me to open up an account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-03
Company: U.S. BANCORP
Product: Credit card
Issue: Other

Complaint:
Dear Sir, My self XXXX XXXX, using XXXX Credit Card since 2007. I observed in last month that company has practice to charge interest on due amount without adjusting partial payment made on or before due date. On asking clarification on this they told that until unless full amount is not paid interest shall be charged without adjusting any partial payment. 
Kindly look into that matter and justify why the partial payment should not be adjusted in principal amount for calculating interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been off work sick for over 2 years and we got local provider to help us out and they have almost XXXX dollars to give to catch us up on our mortgage. We have had the money sitting since XX/XX/XXXX, our account would have been current since then if anyone were able to do their job correctly! 
we and the person with the money has tried to no avail to get someone to send a XXXX to them so they can release the money no one seems to know how to do their job and all I 'm doing is being put on hold and switched around from person to person. 
no matter which XXXX XXXX or XXXX number they give me it directs me back to my loan specialist who is out of town on vacation for a week and when the week is up so are the funds that were given because no one knows what is going on at wells fargo and we can not get ahold of anyone at america 's servicing company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation