BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Dear TransUnion, Here I am presenting you the original documents from XXXX showing the bankruptcy being removed by the court because I disputed a fraudulent report on my credit report. XXXX had made it clear that this bankruptcy XXXX  XXXX case number XXXX doesn't belong to me and it was removed because my identity doesn't completely match the court 's documents. Therefore I demand TransUnion block or remove the public record report on my credit report immediately. I attached all documents for you to review it. XXXX XXXX XXXX : 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 non-monetary relief
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: SC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Chase Bank charged my account for three overdraft fees totaling {$100.00} when I had enough funds to cover all posted debits, except for one. I think I should be refunded {$68.00} dollars. These transaction occurred on XX/XX/2018. As I review, all debits were covered except for check XXXX, which did not post until the following day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-01
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
hello, this complaint pertains to a company/bank in the State of Florida. For months and months, I told the Clerks/Supervisor That an account was made in part of my name and address that doesn't belong to me. ( fraud ). I thought that matter had been a workout. 
But I guess I was wrong. The dates for this matter go all the way back to XXXX of this year.

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 2023-07-31
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:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems t04o care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
To whom it may concern, I have tried to get in touch with the XXXX XXXX XXXX repeatedly about this situation. They are currently reporting an account on my Credit Report without verifying my information like I have asked them to do. I have sent multiple letters asking for verification of any contracts bearing my signature and they have failed to provide that proof. They continue to " verify '' my account with the credit bureaus but have failed to share the documents that they are verifying these accounts with.

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 2021-10-14
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DISCOVER BANK Contact XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$700.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: MI
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 my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 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 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 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 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 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal informa tion reporting on my Credit Report : XXXX XXXX  Date Updated : XX/XX/2013 ; XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18
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 XXXX 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

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 2022-07-07
Company: JPMORGAN CHASE & CO.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello XX/XX/XXXX We recently had our roof replaced on our manufactured home. The cost was higher than we anticipated because the plywood and a few boards also needed replacing.We thought maintaining our home was a high priority, but apparently NOT to the bank that has held our loan for over 20 years CHASE Mortgage. We have diligently made our mortgage payments monthly with only about {$55000.00} left owing. Thinking we had enough equity to get a cash out refinance to pay the roofing company off XXXX continue our mortgage loan without over extending our financial monthly obligations, NO ... .. CHASE wasted our time and money, leading us on for months only to inform us that they were NOT offering these services to manufactured home owners. I was upfront and told them from the start ( XX/XX/XXXX. ) that it was a manufactured home on an acre of beautiful property still they proceeded with the loan process a very stressful process on my part.If CHASE doesn't want to help manufactured home owners then WHY do they even bother to take on or purchase these loans that's what they did to XXXX. Now we have to decide how to afford my husbands XXXX XXXX XXXX medications. He is an XXXX XXXX and on XXXX since being diagnosed with XXXX in XXXX of XXXX. Life is hard enough for him without having to worry about the roof leaking on him BUT apparently NOT to CHASE or should I say the XXXX XXXX XXXX 's of [ It's a Wonderful Life ] which is what they've become. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: NJ
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 appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-05-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A friend from high school reached out and ask me to invest in a stock trading company. So I did. 

On XXXX I sent XXXX and on XXXX I sent {$540.00}. 

The website they used was : XXXX XXXX XXXX My class mates name is XXXX XXXX. The lady who runs the scam companys name was XXXX XXXX. 

My chase bank said they could not do anything to get my money back. 

The XXXX transaction on my attachment was also fraud. It was not me that did that. I think if was from me entering my account info.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: OK
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:
I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2021-12-22
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Today XX/XX/XXXX, I received an advertisement letter from a XXXX XXXX attorney 's office, stating a lawsuit was filed against me by XXXX XXXX XXXX on XX/XX/XXXX, at XXXX XXXX XXXX XXXX XXXX, Place 1 : XXXX. Later in the day, on XX/XX/XXXX, I Googled XXXX XXXX XXXX to get an 800 # to call to inquire. I called XXXX & spoke to a female Law Dept representative. I told her of this letter I'd received today, stating XXXX filed a lawsuit against me, I asked what it was about, as I'd not received ANYTHING ELSE in regards to a lawsuit, I was incredibly confused because there is nothing from XXXX XXXX XXXX on any of my 3 credit reports, nor anything from Synchrony Bank on any of my 3 credit reports & I had no idea what was happening. She stated a lawsuit was filed against me for a supposed debt over {$2000.00}, XXXX purchased from an old Synchrony Bank credit account I'd from XXXX, when I was single, from XXXX & before. But if I paid in full or agreed to pay $ XXXX for the entire " owed '' amount, I'd not get in trouble, I'd not have mine or my husband 's wages garnished, I'd not have a judgement against me, I'd not have any bank accounts garnished & I'd not have anything " taken '' that I owned. I informed her that 1st, the " over {$2000.00} '' amount XXXX says I owe was MUCH more than what I'd owed to original creditor long ago & my only income now is XXXX XXXX XXXX, I incurred the original debt when I was single ( before I was ever married ), when I lived in XXXX & my last payment to original creditor was made in XXXX. I now live in XXXX & a lawsuit has apparently been filed against me in XXXX tho I lived in XXXX when I'd original credit account. XXXX statute of limitations on credit card debt is 4yrs & it's been more than 4yrs since a payment was made to original credit account. I've not been served any court documents yet. This XXXX XXXX XXXX representative refused to listen to anything I'd to say & continuously stated I must pay ASAP to not get into legal trouble. I stated I owned nothing, no property, I get food stamps, am talking to her on a free Government cell phone & this is an old debt from a different state from before I was married, I'd been served no court documents & nothing was on any of my credit accounts.

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 2023-07-31
Company: Experian Information Solutions Inc.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-06-02
Company: Shellpoint Partners, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We fell behind on our mortgage due to medical issues and lost wages, and covid issues in XXXX of XXXX. I called in and explained and was told by Shellpoint that they would work with me and start accepting payments. We have been making payments that were directly taken from our account all the way up until XX/XX/XXXX. All of a sudden in XXXX, I was told Shellpoint cant take my payments anymore and was told they should have never been taking them in the first place. I was told they were going to send me a check back for what was removed from our account. Basically were were told because of the foreclosure status they should have not accepted our payments. It made no sense!!! Basically Shellpoint is dual tracking. So I applied for a loan modification and were advised the file was under review nothing was needed. The most recent time was XX/XX/XXXX. Fast forward to XX/XX/XXXX ; we receive a decline letter dated XX/XX/XXXX. It states that I am not eligible for assistance but It did not state why. On XX/XX/XXXX, I called Shellpoint to ask what the reason I was denied for and they said they didnt know. I asked if anything was documented on the account they said no reason was documented, it just said file denied. I asked if we have an appeal period as a was advised by a family attorney that I should have one. They said no. The letter didnt state why my file was denied. I asked for a supervisor and immediately were told there had no supervisors available. The issue that I have is not getting a clear answer why I dont qualify for assistance. Shellpoint had no problem taking my payments then all of a sudden had to stop and now they are selling my home. The letter was completely vague and was not clear whatsoever, which is why we called. Supposedly I have a single point of contact XXXX, but she can never come to the line/ never answers the call. Instead I get a different person each and every time I call in. The fact that I cant even get a supervisor to look into the matter, is very upsetting. My English is not the best but I believe that Shellpoint is discriminating against me based on my age, race, ethnicity, and language. I am demanding a fair review for my file. I am 9 months behind. I was making the payments after I fell behind. I do not understand what is going on. Why I cant get answer to why you stopped taking my payments in XXXX Why you cant tell me why my file is denied. 
This oversight of them taking my payments when they " shouldn't have '' and now this neglect of my file is fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 had a XXXX XXXX XXXX Financed with XXXX XXXX. In XXXX of XXXX, I sold the vehicle during a trade at a dealership and as such the final payment for the entire balance was paid to XXXX XXXX. Unfortunately, XXXX XXXX reported a late payment to the corresponding credit bureaus which has damaged my credit worthiness with inaccurate information. I spoke with a XXXX XXXX customer service representative who indicated that they have no record of a late payment reported to the credit agencies, however this is not the case. I would like to have this adverse information removed from my credit file as it is currently affecting my ability to obtain a mortgage.

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 2017-09-20
Company: WELLS FARGO & COMPANY
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I traded my XXXX XXXX to XXXX XXXX in Virginia. The dealer issued a payoff to Wells Fargo Dealer Services on XXXX/XXXX/XXXX, mailed it overnight on XXXX/XXXX/XXXX, and it was received by Wells Fargo on XXXX/XXXX/XXXX. Tracking information verified this through the dealer. I contacted Wells Fargo on XXXX/XXXX/XXXX to determine why my vehicle still does not show paid off. I provided tracking info with the address and the information. I was told there was nothing they could do and I needed to wait longer. I am already late on the payment now that was due on XXXX/XXXX/XXXX and the late fees will begin on XXXX/XXXX/XXXX. This loan should have shown as paid in full on time on XXXX/XXXX/XXXX. They also could have had a processing error, but the representative should have opened up a case or investigation to track down the funds. I have done all that I can do to prove that the payment is there, but they have n't processed 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