BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
This is my second complaint in correspondence to Transunion 's response to my first complaint. Transunion advised me to send in documents from each creditor to have the unauthorized inquiries removed as they were fraudulent, the creditors sent them in and sent me copies as well. I too sent copies of what they sent me to them, I worked tirelessly to get these to them and they continue to say they do n't have record of them. I have attached one of many documents from one of the several creditors to prove that I have sent in the documents via fax/mail and so have the creditors. I have called numerous times and they continue to tell me the information has not been received and therefore can not delete the unauthorized inquires from XX/XX/2017. There is lack of organization and filing with this company and they refuse to take anything electronically.

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 2017-09-06
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Please be informed that my husband and I have been trying very hard to establish communication with our Home Mortgage Preservation Representative, XXXX XXXX XXXX, XXXX, of Wells Fargo Home Mortgage but it seems all our efforts were in vain. As of this writing, our mortgage has been referred to a collection agency, XXXX XXXX XXXX XXXX XXXX XXXX XXXX in spite of our several attempts to send proof of timely payments to XXXX XXXX on our HAMP Trial Modification. He stands on his assumption that we missed payments on our mortgage. We sent him excerpts of our Bank Statement but these were ignored by XXXX XXXX. 

Below please find a summary of my communication/correspondence with Wells Fargo through XXXX XXXX XXXX, XXXX. 

Friday, XX/XX/XXXX HAMP Trial Modification Approved Wednesday, XX/XX/XXXX Hamp Trial Modification Approval Rescinded allegedly : missed payments Thursday, XX/XX/XXXX Replied Letter of Denial asking reason why Thursday, XX/XX/XXXX WFHM Preservation Specialist, replied allegedly making phone calls to us regarding late mortgage payments Thursday, XX/XX/XXXX replied Specialist 's email informing him that we are still in the XXXX and no phone calls registered on my cell phone Thursday, XX/XX/XXXX emailed Specialist with proof of payments and sent by our bank ( XXXX XXXX XXXX ) to WFHM Thursday,XX/XX/XXXXSpecialist emailed back for additional proof ( did n't state type of proof needed ) Tuesday, XX/XX/XXXX Letter, dated XX/XX/XXXX, from collection agency XXXX XXXX XXXX XXXX XXXX XXXX, collecting {$260000.00}, received on XX/XX/XXXX Wednesday, XX/XX/XXXX Received a letter from XXXX XXXX, Senior Vice President, XXXX XXXX XXXX XXXX stating to help on our mortgage problems Sunday, XX/XX/XXXX sent two emails to XXXX XXXX re Bank Satement as proof of payment Thursday, XX/XX/XXXX sent another email Saturday, XX/XX/XXXX sent another email Thursday,XX/XX/XXXX mailed a letter to XXXX XXXX, Senior VP, XXXX XXXX XXXX  XXXX re : soliciting help I do n't understand why XXXX XXXX sent our case to a collection agency in spite of our efforts to settle the problem ( s ) with him, allegedly for missed payments. This very unethical for a Representative of one of the biggest Mortgage Servicer/Lender in the United States. We are so close of completing the Trial Modification. 

When he rescinded our HAMP Trial Modification on XX/XX/XXXX, or only after one week, on XX/XX/XXXX, he referred our case to a collection agency. 

This in injustice, I hope CFPB could help me. Thanks ...

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 2022-07-15
Company: CNG FINANCIAL CORPORATION
State: AZ
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 received a notification on XX/XX/2022 that a new account appeared on my XXXX  credit report. The account is an installment loan from Axcess Financial/ Check N Go. The installment is in the amount of {$2500.00}. The account was opened on XX/XX/2022. I believe it is my father who opened the account in my name, as he has stolen my identity before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
State: NV
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:
Equifax, XXXX XXXX and XXXX are reporting my XXXX XXXX XXXX  mortgage to be current, but showing a negative amount. The mortgage was in forbearance during pandemic. The lender, XXXX XXXX XXXX offered to place the amount due at the end of the loan. This negative balance is negatively effecting my credit score, and preventing me from securing a new mortgage. I argue that XXXX  XXXX XXXX is in violation of the CARES Mortgage Forbearance Act while not not allow lenders to adversely report mortgages as negative while in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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, Trans Union and XXXX are reporting my XXXX XXXX XXXX  mortgage to be current, but showing a negative amount. The mortgage was in forbearance during pandemic. The lender, XXXX  XXXX XXXX offered to place the amount due at the end of the loan. This negative balance is negatively effecting my credit score, and preventing me from securing a new mortgage. I argue that XXXX XXXX XXXX is in violation of the CARES Mortgage Forbearance Act while not not allow lenders to adversely report mortgages as negative while in forbearance.

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 2017-09-06
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX I received a debt collection notice for {$1500.00} for a closed XXXX cellular account. This debt, however, was paid via XXXX on XX/XX/XXXX. Initially, XXXX did not provide me with a closing bill ( the process took 6 weeks and a complaint to the California Public Utilities Commission before they finally sent it to me via email ). Since I was set-up on " auto-pay '' with XXXX, they charged my XXXX on file - which I charged back with my card issuer while the final amount/bill were in dispute. Upon receipt of the bill, I reversed the chargeback in full ( {$1500.00} ) with my XXXX XXXX and have a statement to that effect. 

I have contacted XXXX corporate no less than 10 times via email, explaining the situation, providing statement copies and a transaction number - only to have XXXX tell me that they " never received the payment ''. XXXX maintains the transaction went through on their end - and again - provided me with a transaction # and confirmation code. To date, two weeks into the dispute process, I have not been given anything further - other than threats of further collection efforts and damage to my credit. I need the CFPB to please intervene here. I am willing and able to produce all documentation, including the endless email trail with XXXX, to prove that my final bill was paid - IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 # 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 2017-09-06
Company: EQUIFAX, INC.
State: TN
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: Problem with product or service terms changing

Complaint:
I had contacted this company XXXX XXXX to try to take care of my student loans which I decided within their timeframe that I did not want to do buisness with them so they sent me email of my cancellation but they still withdrew funds from my checking account which took months to get back & I have recently noticed they reported this on my credit which is uncalled for especially when I canceled before their timeframe was up.I decided to go thru a much better company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-09-12
Company: EQUIFAX, INC.
State: PA
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:
Equifax failed to properly secure my most sensitive data, including my SSN, DoB, Address, and other highly sensitive information, as it was recently reported as compromised. My information can be used not only to obtain credit in my name, but to obtain medication, lift credit freezes I put in place because of this hack, fraudulently file tax returns, and even to obtain cell phones with my own number ( eg, claiming they lost 'their ' [ my ] phone ), and utilize said phone to log into accounts where secondary authentication is sent to my phone. This last case will allow access to every account I 've taken to precaution of protecting with additional measures, such as my email and brokerage account, and the subsequent accounts linked to my email account. 

For the rest of my life I will have to carefully watch my accounts and pay for services to monitor my credit and identity because Equifax could not properly and securely store my most personal and sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Problem with product or service terms changing

Complaint:
I had contacted this company XXXX XXXX  to try to take care of my student loans which I decided within their timeframe that I did not want to do buisness with them so they sent me email of my cancellation but they still withdrew funds from my checking account which took months to get back & I have recently noticed they reported this on my credit which is uncalled for especially when I canceled before their timeframe was up.I decided to go thru a much better company

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 2017-09-06
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I went into XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, MA XXXX, to look at a few mattress options for potential purchase. The salesperson, purporting to be the store owner, showed us a few mattresses. He then asked if he could run my credit to see if financing was available. He took that information orally and typed into the computer. At no point was I shown, nor did I sign, any paperwork agreeing to be extended a line of credit, or signing up for a credit card. I left the store without purchasing a mattress. Today, I opened my mail and found that I have been signed up for a Synchrony credit card without my knowledge and against my will.

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 2017-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have recently opened a Capital One account online and attempted to add my spouse to the account today. I had followed the directions posted on the Capital One website and did not see the option to select add a new account holder as described. When I called to find out what I might be doing wrong, I was advised that I was not doing anything wrong and the option had been disabled on their site. They were working to have it brought back and would hopefully have it done within the next month. I asked if there was any other way I could add my spouse, manual or even visiting a branch and was told this was not an option. There would be no way to add anyone to the account unless this technology was added back. 

I am concerned that this limitation has put my families well being in jeopardy if I choose to continue to leave my money here and something were to happen to me over the period of time while the technology is being upgraded. It seems there should be a " plan b '' to service the customer when they have chosen to disable this method temporarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I was sent an unrequested credit card ( XXXX XXXX from Capital One. Upon checking with XXXX, Capital One inquired my credit report on XXXX XXXX, XXXX ; I received the unrequested card on XXXX XXXX, XXXX. I have NOT contacted Capital One since a phone call may inadvertently " activate '' such card which I do NOT want.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I 've contacted Best Buy numerous times regarding my refund of being enrolled in thei r Debt Protection  program. I was told my account was sent to the Accoun t Maintenance Depa rtment to issue a refund within 30 days.     Th e Debt Protection Customer Service Department or Best Buy Credit Card Services can not provide any details/ status updates on the refund. I '  m continuously passed between the two different departments with no results or solution.      It appears I was unknowly enrolled in this program on  XXXX / XXXX / XXXX . I cancelled the plan on  XXXX / XXXX / XXXX .     As of  XXXX / XXXX / XXXX  no refund has been issued and I have not received any proof of evidence into enrollment.

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 2018-06-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I disputed 1 item on my report. The notified me that the investigation was complete. I was to go online and get the results. I have not been able to get the information online. When i finally got the number to call they said the had many complaints of the same nature. It has been over a week and still nothing. I am still unable to obtain credit because of a misreporting in equip. I have had credit for 35 years and never never a problem I am at a loss as to what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Southern Management Systems Inc.
State: TN
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:
TO : XXXX  XXXX XXXX OF XXXX XXXX You responded to my previous CFPB complaint and basically ignoring the accuracy of the credit report. I asked you POLITELY to read the attachment below which is my credit report showing the account you report. If you have conducted a reasonable investigation. You should have seen the mistakes of the Date Opened. Why the date Opened on XXXX XX/XX/XXXX, XXXX XXXX XXXX says XX/XX/XXXX. This is very misleading information which you know are errors on my credit report. The banks think this account not accurate. I recommend you delete this error. I can speak with my Attorney General, but I am trying to resolve with you Politely. I advise you to give this matter to your XXXX XXXX so he or she could read the following statement since you failed to do so. I just want to know how you could report to XXXX & XXXX Date Last Reported XX/XX/XXXX, & XXXX XX/XX/XXXX? Like Which Date Is it? Second Violation. You also reported Date Last Active XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. This ridiculous you continuously to break the LAW. They must match across all three which they don't, SO DELETE THIS COLLECTION. READ THE ATTACHMENT & ANALYZE & DELETE DUE TO YOUR CARELSS MISTAKES FOR 2 YEARS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, 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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a auction date for  XXXX / XXXX / XXXX . This is my primary residence I tried to do a loan modification but I was told it was incomplete. The mortgage is under my name and the a co-borrower who is also the father of my children and also the abuser. I am a victim of  XXXX   XXXX  and currently have a restraining order active, against the co-borrower The bank is requesting a quick claim deed from the abuser it has been hard for me to locate him. I am asking for a stop or postponed this date so that I cou ld get a 3rd person involved to reach the abuser and have this document signed I also have my children contributing to th e mortgage. I am asking please to give me an opportunity to resolve this matter..I have done a loan modification in  XXXX  but was denied because I failed to submit a paper from the package which I did faxed to the bank and they claim they never received it. Please help me out I strongly want to keep my residence and I know that I could make mortgage payments if approved a loan modification Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX XXXX XXXX/ {$1200.00} / XX/XX/2022 XXXX  XXXX XXXX/ {$760.00} / XX/XX/2022 Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted from my credit report.

Company response to consumer: Closed with explanation