BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-22
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: 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 non-monetary relief
Consumer complaint received 2018-04-30
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I became unemployed in early XX/XX/XXXX and fell behind on payments, I have never been behind on my payments or needed assistance in the past before this event. While unemployed I was unable to pay my mortgage payments so asked Chase for assistance to be able to be able to keep my home. They put me on a Forbearance plan to make 3 payments of XXXX to get to the end of the year. I worked hard to become employed and told Chase when I got a job ... without my knowledge they took me out of Forbearance and placed me back into foreclosure. I did everything they had asked me to do and got denied twice for loan modification. After the second denial they told me to contact a realtor about short selling my house. I did just that and got great news that I didn't have to have a short sale or foreclosure on my records for my specific property that I could sell it and not affect the homes value. I did everything possible to make the house presentable so that Chase could get their money back asap. I was fortunate enough to get an offer the second day on market to a buyer who was understanding of the properties situation and asked Chase to move back the foreclosure date from XX/XX/XXXX to XX/XX/XXXX to allow this deal to go through. They denied my request and insist on foreclosing out this property. The foreclosure of this property doesn't only hurt our family unnecessarily but the homes value, our neighborhoods value, the future buyer of the home for just 41 days of a difference. This is the reason I am filing this complaint ... we are not trying to be unreasonable we are just trying to do the best for all parties involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2023, I called XXXX XXXX to ask them what date did my grace period end due to a temporary financial hardship that was ending. My payments had not been late and I was calling to discuss when I could pay before their grace period ended. They told me XX/XX/XXXX was the last day. Payment was made on XX/XX/XXXX, yet late payment still showed up on XX/XX/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 2023-04-13
Company: John C. Heath, Attorney at Law, PLLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I called customer service requesting a refund because i did choose to opt in or file disputes and they hung up on me 3 times I just want my refund back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct the following items from my report immediately : 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 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 non-monetary relief
Consumer complaint received 2021-06-18
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: Public record information inaccurate

Complaint:
I have a bankruptcy on my XXXX that does not belong to me it is not mine i have not filed for this or know where its comin from also one inquir on my transunion that is not mine i have been disputing this since two years ago!!!! 

Account Name : US DIST CT Account Number : XXXX Inquiry Creditor Name : XXXX Inquiry Date : XX/XX/2019 2019

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 2018-04-19
Company: SUNTRUST BANKS, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Attached you will find pdf copies of 3 loan disclosures : 1. Issued on XX/XX/XXXX ( Loan Estimate Redisclosure Package ) It states my loan amount as XXXX and Interest Rate of 4.25 % Under projected payment, it listed my mortgage insurance from Year 1-7 as $ XXXX/Month and Estimated total Monthly Payment as XXXX 2. The next disclosure I got was on XX/XX/XXXX ( Initial Closing Disclosure ) It states my loan amount as XXXX and Interest Rate of 4.25 % Under projected payment, it listed my mortgage insurance from Year 1-7 as $  XXXX/Month and Estimated total Monthly Payment as XXXX Between XX/XX/XXXX and XX/XX/XXXX, I did not receive any other update on my loan estimates My closing was on XX/XX/XXXX and I was being told 6 days before the closing that my mortgage payment has increased by XXXX $ /month I escalated the issue to the loan officer and they informed me that it was a mistake on their part. I lodged a formal complaint about why I am informed of this change 6 days before the closing date and this feels like a being held hostage and leaving me no option but to comply and pay this extra amount for the next 7 years. Over a period of 7 years, this is an extra {$7000.00} that I am being penalized for 3. 

I lodged a formal complaint and then 3. On XX/XX/XXXX I received another disclosure which made the mortgage insurance again XXXX. I assumed that they have corrected the issue and so I went for the closure At the title company, there was no representative from the bank and the title company documents showed the mortgage insurance back to XXXX/month. At that time the only option I had was to either not sign the documents and lose the house ( at this time I had already given notice to my apartment company that I would be vacating my apartment by XX/XX/XXXX, so not getting the house would have put me on the streets ) All of this experience left a really bad experience about Suntrust in particular and banking in general. As per the fair lending act, the lender should disclose all payments correctly and not throw any surprises at the 11th hour. On top of that when they admitted a mistake they tried to hide it by sending me a 3rd disclosure informing everything has been corrected. Now someone can say XXXX $ is only 2.67 % of the monthly payment and I can always pay another 10 % in principal and stop the mortgage payment. To that I would like to counter where do we draw the line and stick to the principles of 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 monetary relief
Consumer complaint received 2022-04-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2020 during the pandemic I started receiving phone calls from Portfolio Recovery using a robotic recording not identifying themselves saying this is a importing legal issue for me to contact the number they gave me which I never called back cause I don't have any legal issues which all calls are coming up private. They continue to call daily private not knowing who it was I answer, they told me is this XXXX XXXX? I asked who is this calling? they told me to give them my Social Security XXXX, address and date of birth. I told them no I don't no who you are and I don't feel comfortable giving out my private information not knowing if you are a scammer. I told them don't call anymore if you are saying I owe a debt which I don't contact me via mail only. I started receiving letters the last week of XXXX in I notice I was getting alerts on my credit report before I was able to send a dispute letter they flagged my credit report on XXXX XXXX 2020. I thought this was a joke cause according to FDCPA collection agency can not report misinformation or correct information until you are giving time to dispute a debt with a validation. they never gave me that chance so I sent a dispute letter asking for all the information I sent you on the attached documents and as you see they never sent validation of the debt and as you see the debt was withdrawn at court which should have been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Ocwen Financial Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
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. 

The following creditors have violated my rights. 

Creditor : XXXXXXXX XXXX Account number : XXXX Amount : {$390.00} Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Account number : XXXX Amount : {$3200.00} Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Account number : XXXX Amount : {$260.00} Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Account number : XXXX Amount : {$3400.00} Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Account number : XXXX Amount : {$3900.00} Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Account number : XXXX Amount : {$520.00} XXXX Creditor : XXXX XXXX  Account number : XXXX Amount : {$330.00} Date : XX/XX/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 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 2021-06-18
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: BARCLAYS BANK DELAWARE
State: NY
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 refinanced my home and was issued checks for my credit cards. Barclay was issued XXXX checks ( XXXX for my account & XXXX for my husband ). These checks were mailed out on XX/XX/XXXX. My husbands account was credited for his check on XX/XX/XXXX. I contacted the creditor on XX/XX/XXXX who informed me that they never received the check for my account but the mortgager provided me with a voided check that they have not only received the check but cashed it. They told me to fax in proof but I tried XXXX  times on XX/XX/XXXX to do so for the fax machine to read that the receiving fax machine is offline. I contacted the creditor again by phone, & provided all the details for the check again to be told that it will take 1 to 2 billing cycles to correct & that I still need to send them a copy of the voided check for them to begin investigating even after I told them their fax line is offline. I reached out via XXXX & submitted the documentation for them to tell me they notated the account but I still need to send in the documentation. So basically, theyre allowing themselves enough time to reflect poorly on my credit report before they fix the error & not providing me with an adequate way to get the documentation to them!

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 monetary relief
Consumer complaint received 2021-06-18
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone stole my identity and opened many accounts without my permission or authority.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
I used the Request Money transaction in Pay Pal on XX/XX/XXXX to request {$200.00} from a friend. She responded and sent me the amount. At least 24 hours went by before I moved the money to my bank account. On XX/XX/XXXX I again used the Request feature for {$300.00} from a different friend. At no time during either transaction was I advised that there would be a fee nor did the website advise on the Request page that there would be a fee. On XX/XX/XXXX both my friend and I were having problems getting into Pay Pal at approximately XXXX XXXX. At XXXX XXXX we were able to complete her end of the transfer. I helped her walk through it as she had not done it before, at no time did she click on anything that this amount was for goods and services. When she completed her end, I then logged into my account and verified that my Pay Pal balance was {$300.00}. I had to take a call and leave for an appointment. Later that afternoon I went in transfer the money to my bank account, however, I noted the balance was {$290.00} now because a {$9.00} fee had been taken by Pay Pal. At XXXX XXXX EST I called the Pay Pal customer service number at XXXX. I was finally able to reach a live person who said his name was XXXX, we were on the line for 29 minutes and he could not explain why my transaction on XX/XX/XXXX was not also charged a fee, he said it must have been an error on their part. I asked to speak to a supervisor, he said there were none there. I asked for his last name, he refused. I asked for his employee ID, he refused. He gave me his extension as XXXX. After further discussion he said he would find a supervisor. He kept me on hold for long periods and I finally told him I would call back later as we had been on the phone for 29 minutes. I called back to the same number at XXXX XXXX EST and reached XXXX, she was giving me the same run around so I asked for her supervisor. She put me on hold, within a few minutes I could hear and XXXX answered identifying himself as a supervisor. We went through everything and he was not able to tell me where I would have seen the information advising me of a fee. I asked for his last name, he refused and said it was company policy. He said he could give me his supervisor ID which was XXXX. I asked for his extension number and he said they did not have extension numbers. I told him about the previous call and that XXXX had given me his extension. He said that XXXX must have been mistaken and that was his emplyee ID. I advised him that I would be filing a complaint regarding employees using false names ( XXXX was clearly at an offshore phone center ), not disclosing fee information upfront and for refusing to provide full identification and contact information. This second call lasted 43 minutes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 my 14th request that I have been a victim of identity theft and that no one seems to 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 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 non-monetary relief
Consumer complaint received 2019-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 disputed the account in the amount of {$1300.00} that I do not owe and I received a tuped copy and not a bill. Not a contract with my signature, social security or identification attached. Now in their letter they said this is accurate proof which is a lie. In my validation letter I asked the following : 1. Assignment clause 2. Signed contract with social 3. Copy of charges or statements and/or copy of whatever you have to prove this is 100 % accurate. 


None of this was submitted so they failed to prove 100 % accurate as per fair credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Since XXXX, XXXX has consistently failed to provide the accurate date of the last activity and the closure date for a closed credit card on my Equifax consumer profile as requested. Despite numerous disputes with Equifax, they have informed me that only direct input from XXXX can rectify this issue. 

Equifax has also extended the removal date for this account to 10 years from XX/XX/XXXX, even though the account was closed in XX/XX/XXXX and fully paid in XX/XX/XXXX. 

Furthermore, after speaking to a XXXX representative in XX/XX/XXXX, they informed me that the dispute processed in XX/XX/XXXX was not properly processed by XXXX even though their response to the Consumer Finance Protection Bureau and Equifax states otherwise, rendering the letter sent to me and Equifax invalid. XXXX continues to send letters stating " updated payment history, '' instead of correcting the information requested. Equifax and XXXX 's continued reporting of inaccurate information, particularly regarding the date of last activity and closure date for the closed account, is a violation of consumer protection laws. XXXX promptly resolved the matter following my initial dispute and is now accurately reporting the account. It is imperative that credit reporting agencies maintain uniformity in reporting consistent and accurate information for all accounts across all credit bureaus, or the removal of such information becomes crucial. 

I'd also like to emphasize that after reaching out to the office of XXXX 's CEO, I received a letter instructing me not to contact XXXX again regarding this account. This raises concerns about how XXXX is handling customer issues that impact their credit reports.

Company response to consumer: Closed with non-monetary relief