BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: NC
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 multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX  XXXXBalance : {$3700.00} XXXX  XXXX XXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX XXXX Balance : {$520.00} 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11
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: Was not notified of investigation status or results

Complaint:
I have disputed several accounts from my credit report with XXXX XXXX, and Transunion. I have sent a total of XXXX different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter XXXX : XX/XX/2020 XXXX XXXX : XX/XX/2020 XXXX XXXX : XX/XX/2020 XXXX XXXX : XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted Equifax with regards to a XXXX XXXX XXXX Credit Card with a balance of {$9100.00} that was supposedly opened on XX/XX/2018 that is reporting on my credit file that does not belong to me. This account is reporting either in error or as a result of identity theft. In either case, please assist me in getting this account removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11
Company: Experian Information Solutions Inc.
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:
Experian was sent a dispute letter XX/XX/2020 regarding an account from XXXX XXXX XXXX in the Amount of : {$1600.00}. ( acct # attached a copy of the police report filed in an identity theft case that was opened. Both XXXX and XXXX have sense removed the account, yet Experian has not when I made it very clear that potential fraudulent activity on my credit report was being investigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland Funding is reporting a collection on my credit report. This account is reporting inaccurately. The date of last activity has been re-aged. Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information. 

XXXX is reporting the date of last activity as XX/XX/XXXX. XXXX  is reporting XXXX is reporting XX/XX/XXXX. 
Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information. 



XXXX is reporting a balanced owed as {$890.00}, XXXX  is reporting {$890.00} and XXXX is reporting {$820.00} Midland is also reporting a past due balance of XXXX on my XXXX  report. On a collection account, a collection company can not report a past due balance that is an violation. 

Furthermore, XXXX is reporting the date opened on this account as XX/XX/XXXX, but is reporting the last payment date as XX/XX/XXXX. There is no way possible that this account was paid on before it was even opened. Also XXXX is reporting the high balance as XXXX but reporting the balanced owed as XXXX that is another violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: EQUIFAX, INC.
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:
I received my credit report on XX/XX/2019 and immediately saw multiple items that were not mine being reported on my credit report. On XX/XX/2019 I sent in a letter to the credit bureau stating that I am asking for the original signed, consumer contract with my signature on it ; otherwise anyone paying for your reporting services could mail, fax or email in a fraudulent account. 
On XX/XX/2019 Equifax stated in audio during a phone conversation and in written form that the debt was validated based on Name, Date of Birth, social security number, and account number. If I am telling you that I am a victim of identity theft, anyone can open an account in my name, using my information. Equifax did not send me any proof ( original signed, consumer contract with my signature on it ). Also, they sent me the wrong information to call and write back to the creditor in which I am disputing with. The information on the credit report says that if I have any additional questions about this item, please contact ( wrong company name ), ( wrong address ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Continually receive calls from this company after asking them not to call me. 
Have told them to contact the co-borrower on the account. 
Have also received threatening letters, stating that legal actions could be taken against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: TransferWise Ltd
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I initiated an international money transfer on the XXXX of XXXX using Wise formerly known as TransferWise. The transfer was to pay for medical expenses for my parents in XXXX. On Wises website and app, they promised to complete the transfer the next day when you send a wire transfer of your funds to their account. I did just that and even incurred an additional wire transfer fee from my bank. Around that time, the exchange rate stated my recipient would receive about XXXX cedis. I followed up several times after I noticed the international transfer wasnt completed the next day as promised. However, the wire transfer was completed by my bank a few minutes after I initiated it on the XXXX of XXXX. Wise however claimed they never received my money, and as a result the amount the recipient was supposed to receive kept decreasing due to fall in exchange rate. I sent over proof that my bank had completed the wire transfer on XXXX different occasions to wise. I sent several emails to Wise to follow up as well. I corresponded with both XXXX and XXXX from Wise about the reduction in the exchange rate and delay in transfer during those times. After a week, when the rate had dropped significantly, Wise finally decided to send my transfer. Because the rate had dropped significantly, they only sent about XXXX cedis yesterday, which is almost half the amount I was initially quoted. Throughout my communication with Wise, I made them aware that the rate keeps dropping and since their service promised to send the money the next day of your funds are sent to them via wire transfer, they should at least honor the XXXX I was quoted. I didnt use the normal ACH transfer which according to their app and website takes a week to complete. The amount they finally sent cant cover the entire medical expense and their procedure had to be pushed back because the funds werent even sent on time. The health of my parents are at stake, and the least Wise can do is to honor the XXXX cedis I was quoted and promised considering Im a longtime customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX I was notified by the City of XXXX that my XXXX tax bill was incorrect due to an error- an incorrect calculation resulting in an overage charge of XXXX dollars. The calculation was XXXX which was actually only to be XXXX and that the corrected information was sent to my mortgage company as well as a refund would be sent by the city of  XXXX. I have never seen the refund reflected in my escrow account, nor did I ever receive an overage check of XXXX or XXXX from Ditech. 

XXXX after noticing my automatic mortgage payment increased by over 200 dollars once again due to an incorrect escrow analysis. I finally took the time to investigate why my escrow is so off. I noticed that on the XX/XX/XXXX escrow analysis that the total taxes they calculated was once again XXXX more than what was actual paid to the XXXX County Treasury. After confirming with XXXX County that my tax bill is XXXX, and that Ditech is charging my escrow XXXX. I called and spoke to XXXX XXXX, who assured me she would open a dispute and have my escrow analyzed and investigated and she would call me back with 48-72 hours. I faxed Ditech 12 pages of tax statements indicating the overage, as well as the letter form the city of XXXX. I did not receive a call back with in the time that was promised. I have tried contacting them at least 3 other times since with not resolution. The Ditech Tax department does indeed state that it should only be XXXX, but nothing is being done about the overage payments credited to my account. 

I contacted my Loan officer, the city of XXXX, and XXXX County to verify that all my accounting information was correct. The recommend me filing a complaint to XXXX. It appears that my escrow is off by more than just XXXX dollars, and that a refund of XXXX was never applied to my account and I have been over assessed by at least XXXX form XXXX and now into XXXX. I am not getting any help from Ditech. Conveniently, after filing a complaint I am told my loan is not been sold to XXXX beginning XX/XX/XXXX. I have left a message with a Ditech supervisor, XXXX XXXX at ext XXXX who is supposed to be calling me back on Monday. However, with Ditech 's history I am doubtful he will return my call. Please Help! Thank you!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10
Company: Experian Information Solutions 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:
I am demanding the removal of the following account since it has yet to be verified by the credit reporting agencies or the creditor. XXXX has since deleted both of the accounts because they could not be verified so how is Experian and XXXX still reporting these accounts? Please see the attached dispute letters sent to both the creditor and the credit bureaus over 60 days ago. This has fallen on deaf ears. I do not have an account with XXXX XXXX  XXXX. You failed to do an investigation when you were notified months ago. Remove this account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Experian Information Solutions Inc.
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:
it states on my credit report that I'm 90 days late but prior to that it states my payment history is on time. 
If the account is reported as OK, OK, 90, it means that the 2 " OK '' payments are 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 explanation
Consumer complaint received 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} 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 2022-12-17
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX  ( XX/XX/XXXX ), around XXXX XXXX. My grandmother and I went to the Chase branch located at XXXX XXXX XXXX, XXXX XXXX XXXX NY to deposit an intended original amount of {$9300.00}. There were four ATMs available, three were in a row, one was by itself. I used the middle one on the row. I started depositing bills without counting the exact amount and I did a total of four deposits on that middle ATM totaling {$6700.00}. So I still had to deposit {$2600.00}. I decided to move towards the ATM to my left, nearest to the window. I moved because this ATM took XXXX bills at a time rather than XXXX bills at a time like the middle one. I deposited {$2400.00} into this ATM, because I kept {$200.00} with me in cash. Then an error occurred with the ATM, and instead of confirming my deposit, it gave me a receipt telling me " to be sure your deposit went through, please call us at XXXX ''. Which I did at XXXX XXXX. and consequently followed up the next four days. I have filed two claims ( on the XX/XX/XXXX and XX/XX/XXXX ), and both were denied. The reason for denial was that the investigation team did not find the missing amount. They reviewed the footage and confirmed my presence at the bank doing the transactions on XX/XX/XXXX around XXXX XXXX The only solution they have provided me with is to send them more proof, however, the only proof I was able to get from the scene was was the error receipt, the conversation I had with the teller when this happened, and my grandmother as my witness. Attached find the receipt of my first four deposits, and the error receipt I received from my last deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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:
I am putting forward this complaint to request the removal of several fraudulent inquiries from my credit reports with the Credit Bureaus XXXX, XXXX, and TransUnion. The inquiries in question are as follows : 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 2021-06-11
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Bayview is guilty of financial impropriety and borderline fraud by grossly understating my monthly income and greatly inflating the " value '' of my property for the purposes of foreclosing on my home. 

At issue is a modification request that Bayview denied ( letter attached ). In the letter Bayview understates my monthly income by {$5000.00} a month and over estimates the value of my home ( comps attached ) by almost {$200000.00} for the purposes of denying my modification request. This is fraud and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXXXXXX XXXX allowed a credit card for XXXX XXXX to go through in my name in the amount of {$830.00} back in XXXX of XXXX i already reported this issue in XXXX when I found this on my credit report im trying to take care of my credit report due to buying a house and can not due to this account being on there and I did not give the ok for this to go through i have never tried for this credit card nor did i approve for them to pull my credit to approve this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
You were advised by me on ( XX/XX/2022 ) by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation.

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