BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I closed my account with XXXX XXXX which was paid in full at the time of closing the account. The account was opened in XX/XX/2017 and closed roughly 18 months later. I spoke with multiple representatives at XXXX to ask them why I received a collection call for a past due bill and their responses were there is no bill in my name. This is now in collections for {$540.00}.

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 2023-10-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willing for Miss statement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. Have never had a {$270.00} payment or bought vehicle XX/XX/2020. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE

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 2016-10-10
Company: RIGHT START MORTGAGE, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Mortgage broker promised in writing to re-imburse us for refi fee after the loan was done. It has been 8 months and he has repeatedly lied and made excuses as to why payment has not been made. I have the agreement in writing. He works for Right Start Mortgage in XXXX, Ca. His name is XXXX XXXX. He got our account from XXXX XXXX who at the time worked for XXXX XXXX XXXX in XXXX, Ca. XXXX has since been fired for referring their clients to XXXX XXXX. I though our loan was being processed through XXXX, but later found out that XXXX XXXX did not work for XXXX, but worked for Right Start. XXXX XXXX used our Credit card that we gave him to pay the appraiser months later and charged {$2800.00}. XXXX is investigating him for fraud. I am filing this complaint because Both of these people have lied and cheated us, XXXX and Right Start mortgage. I do not want them to have the opportunity to do this to anyone else.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-27
Company: LEXISNEXIS
State: GA
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:
On XX/XX/2022, I sent a letter to the LexisNexis reporting agency asking them to verify the accuracy of a XXXX  XXXX Bankruptcy listed on my consumer reports. I received a letter back stating that they verified through XXXX XXXX center. I then emailed XXXX, asking do they report any information to third party reporting agencies, in which they responded with They do not contact consumer reporting agencies. I also wrote a letter to the U.S. Bankruptcy Courts asking them do they report any information on a consumers report to and third party consumer reporting agencies ; they responded with they do not report any information to any credit agency. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 USC 1681 section 602 A. States I have the right to privacy.

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

According to : 15 USC 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any 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 2023-07-21
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am currently a operating member of a LLC listed as personal guarantor for a XXXX  XXXX XXXX auto loan. The loan is listed as a personal joint loan on my personal credit file. I contacted XXXX twice and they tell me that everything appears to be in order with my loan and that I must dispute with the credit agencies. The credit agencies ( all 3 ) tell me the listing on my report is correct and that I need to work with XXXX to rectify. I am not sure who should own this but its affecting my personal credit standing due to this auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I allege that Chase Bank is MANIPULATING my Sapphire prefered credit card in order to gain higher interest. Chase posting of transaction is PURPOSELY NOT FAST enough, so they can always have a balance on my credit card. For example : when my card had a balance of {$210.00}, I paid with actually 'cash from my checking account '' which is immediately transfer. Chase did not clear it, hold it PENDING AND WITH A RECALCULATED BALANCE OF {$180.00}. ONCE AGAIN, I CALCULATED HOW MUCH I WAS SPENDING, AND PAID THE BALANCE OF {$180.00}, AND HOLD IT PENDING, NOT CLEAR IT. THUS CHASE IMMEDIATELY POSTED EVEN A HIGHER RECALCULATED BALANCE OF {$180.00} WHILE {$180.00} WHICH I TRANSFERRED FROM MY CHECKING ( CASH ) ACCOUNT, IS STILL PENDING. 
IT SEEMS CHASE IS TRIPLE DIPPING : USING MY MONEY FROM MY CHECKING ACCOUNT, HOLDING MY CHASH AS PENDING, WHILE I TRANSFERRED TO MY CHASE CREDIT CARD... ON THE CREDIT CARD, MY ACTUALLY CASH IS PENDING, AND THE MERCHANT IS NOT PAID ON TIME .... ALL FOR THE GAINS OF INTEREST ILLEGALLY BY CHASE. 
THIS IS SO INJUST!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Trans Union, XXXX, and XXXX are reporting an account transaction from XXXX XXXX XXXX which is a result of identity theft. I am not engaged in any business with the collection company and have never signed any contracts with the collection company. I have already notified the credit reporting agencies of the identity fraud and they are willfully failing to block and permanently delete the account transaction from my credit report and file. The reporting of this transaction is causing injury to my household and hindering my access to credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-07
Company: Source Receivables Management LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX and sourcerm. Wow. What can I say. We terminated our XXXX contract after fulfilling our two year contract. Im sure that sourcerm  isnt the first company that XXXX tried to sell this debt to. There is a {$3000.00} amount sent to collections. This was not supposed to happen according to XXXX, when we switched carriers. XXXX was angry, upset and frustrated that they were losing a valued customer that paid thousands of dollars over YEARS. According to XXXX, we were all set. Done. Paid in full. Phones were not to be returned because of the damage and wear to them. How on earth is a clerical or accounting mistake on XXXX  part a problem that I should have to suffer through?!? I have disputed this with all credit bureaus and am at the end of my rope. This goes all the way back to XX/XX/2017 and can not get an answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-05-02
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXX XXXXXXXX Balance : {$650.00}

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 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I tried applying for the credit card and I was informed that the information on my application and the information on my consumer report did not match. After reviewing my report personally I realize that my name is incorrect. 
My only name is : XXXX XXXX XXXX I would like all other variations of my name, removed from my consumer report, because it is damaging my financial health

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 2022-04-05
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had all of my accounts restricted due to having someone send a transfer from their account to mine. I have reached out to NFCU more times than I can count over the last 2 years about getting this issue resolved. Originally, they told me they needed verification of the transfer, in which she called NFCU to verify as well as NFCU contacting her bank to verify. From there they kept telling me that the funds would be released soon. Finally, they told me about 4 weeks ago that they would release the restriction and give me access to all of my accounts and money once my negative balance in one of my accounts was settled. This negative balance was an error on NFCU end, in which I did an appeal for the money due and they finally restored access to my bank card and online access. They restored access to all of my accounts with them except my account with the funds that I had received. I asked them to close out the accounts with XXXX balances, which they did but I have still yet to receive access to my account with money or to the money at all. Over the last 4 weeks they have been telling me that the money would be available to me " soon '' and that it is processing, but it has been around 2 years with them telling me the same thing and coming up with another issue to not have access to my money. I asked them to transfer the money to my joint account which has not happened. Anytime I call they say the money is processing and that they don't know why it is taking so long and to come in in 2-3 days. I have been told to just wait and follow up every time I speak with them with no clear answer as to why I still do not have access to my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I disputed a fraudulent charge on my account. Wells Fargo did not respond or send notice about anything for over 30 days. They cancelled my card after they fought the charge being fraud. Once I had provided it was a fraudulent charge they removed the charge but closed my account with no notice. I was in the middle of grocery shopping and could not use my card. When I called, they said they would send me a new card. I have not received this new card for over a month now. 

Additionally, as I had not known my account was closed since Wells Fargo never advised, I deposited a balance transfer check into my checking account. The check bounced and instead of advising the account number changed they reported it as fraud and my bank restricted my bank account. This has caused me to take an exorbitant amount of time to go to the branch and resolve this issue created by Wells Fargo. 

I have effectively been punished for reporting a proven fraudulent charge on my account, which is a violation of Reg E and XXXX and/or 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 2022-12-27
Company: PLAZA HOME MORTGAGE, INC.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Company bought my mortgage from XXXX XXXX in XX/XX/XXXX XX/XX/XXXX payment was made in 2 separate half payments- one on XX/XX/XXXX and one on XX/XX/XXXX. It took 4 calls and well over a week to get this payment applied correctly as XXXX misapplied the payment. It was finally corrected XX/XX/XXXX. 

XX/XX/XXXX payment was sent electronically by my credit union on XXXX and as of today ( XX/XX/XXXX ), it is STILL not yet applied. I started calling on XX/XX/XXXX and immediately escalated. I have called and emailed multiple times with no resolution. I emailed proof of payment on XX/XX/XXXX from my credit union and supposedly, the treasury team is looking into it. I was told on XX/XX/XXXX that it could take 5 business days from the initial complaint to research and fix and on day 6, I received another email saying they need more time. I called back on XX/XX/XXXX and was told that yes, they could see it but it wasn't applied and they do not know why. I finally just received a call back from the escalation team a few moments ago. She informed me again that that yes, they see the payment out there, yet they will not provide an ETA as to when the payment will be fixed and applied. Again, this was sent on XXXX and it's now 3+ weeks later. 

XX/XX/XXXX is due next week but I am honestly not confident in sending this company any more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting 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.

This list of inquiries that the creditors have put on my report has inconveniently as well as severely violated my rights!

Account name- XXXX XXXX XXXX Account type-Cell phone : Account number XXXX. 



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 know with one hundred percent certainty that the information is inaccurate, and I had never given any of those creditors the right to put those on my credit 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 non-monetary relief
Consumer complaint received 2023-05-02
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXX  XXXX Balance : {$650.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Bronstein & Weiss Arbitration
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Person left a message on my work voicemail claiming to " represent the county process serving division ''. He requested that I be available with a photo ID either at my place of work or home. So that I could be served court documents. And that I 've been named in court documents. Instead of identifying the county he was calling from he requested that I call the XXXX at XXXX. Last week his office called and informed me that all of my bank assets were going to be frozen in 72 hours unless I called ... ... my assets remain very much unfrozen ... ...

Company response to consumer: Closed with explanation