BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/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 2021-03-18
Company: Penn Credit Corporation
State: OH
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: ENCORE CAPITAL GROUP INC.
State: OH
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
As a victim of identity theft, I have been forced to endure significant hardships, both financially and emotionally, due to the actions of my ex-wife, who maliciously stole my identity and used it to open unauthorized accounts, make fraudulent transactions, and tarnish my credit history. I reported these fraudulent activities to your bureau on XX/XX/XXXX  and provided all the necessary documentation to prove my innocence and the criminal nature of her actions. Despite the gravity of the situation and the profound impact it has had on my life, the response from your bureau has been alarmingly lackluster. I have received minimal communication regarding the status of my disputes, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I relied upon to protect my credit and financial well-being. XXXX  XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX. Please remove these accounts ASAP.

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 2021-03-18
Company: U.S. BANCORP
State: OH
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have sent several notices to the company about fraudulent and inaccurate information on my consumer report. They have yet be fixed and/or be removed even after they have done an investigation. This following account have interfered with my rights and must be removed in accordance with the fair credit reporting act. XXXX XXXX. I have also filed an identity theft report with the ftc. 15 USC 1681 section 6028 states that I have the right to privacy. 15 USC 1681 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions I require said accounts to be removed.

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 2023-02-21
Company: Experian Information Solutions 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:
on XX/XX/2023 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2018-12-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2018 I went to XXXX to try and buy diapers and meds for my sick kids when I went to check out the total came to {$130.00} so I wrote a check and gave them my ID as well. I recently got married and my last name changed so they asked for more identification since my check and Id had different last names even tho all the other info was the same. So I gave them my debit card that had the correct last name as well and the manager requested I enter my pin for verified I did and he called the bank and verified everything and then still stated he couldnt accept my check or my debit card for the purchase so I said nevermind and left. The next morning I woke up to a charge from that exact XXXX store for {$530.00}!!! I called chase immediately and disputed the transaction and they issued me a temporary credit. Then on XX/XX/XXXX I received a letter in the mail from chase stating they made their decision and were reversing the credit and removing the {$530.00} from my account. I called and tried to appeal this decision but because I didnt have a receipt or anything saying I canceled the transaction ( which I never authorized the transaction in the first place nor did I authorize them to charge ANYTHING to my card ) that there was nothing they could do! I spoke to 3 different managers and no one helped me. So on XX/XX/XXXX they took the {$530.00} back out of my account causing me to not have the money for my kids XXXX gifts or to pay my cell phone and car insurance payments. I have told them I never authorized any charge from that XXXX let alone over {$500.00} I never spend that much. We are a lower income family on a fixed income I am XXXX XXXX and have XXXX XXXX XXXX XXXX children.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX reports to the credits bureaus every XXXX of the month. On XX/XX/XXXX XXXX XXXXXXXX bank reported an incorrect balance on my account. I made a payment of {$420.00} on XX/XX/XXXX but the website was having issues. I called in to make a payment with a representative who waived the agent fee. My credit report dropped tremendously because the wrong amount was reported when I made a payment. It was reported on the wrong day. XXXX XXXX XXXX also has me reported late on XX/XX/XXXX and XX/XX/XXXX with all three credit bureaus. I Have been trying to fix this problem for over a year. I paid a protection fee faithfully every month and called in to get covered for those months since I was out of work. I called in to get set up only for the representative to not put me on the protection plan causing late payments being reported and credit score dropping. I have called in over 30 times and wrote letters and no one has reached out to me.

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 2021-02-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My payments are frequently not reflected on my account. Wells Fargo associates tell me that the funds were " returned. '' I submit proof of payment and it leads to an investigation that does not go anywhere. They frequently deactivate my ability to pay online. During a pandemic, I need to be able to use my mobile banking app to make payments. I do not have time to call them and spend hours on the phone trying to fix their mistakes. They frequently transfer my calls to other departments, I end up getting switched back and forth to the point where no one can help me. They are going out of their way to make it impossible for me to make payments on time. They are constantly threatening me with a charge off stating that I am not making payments and that I am not communicating with them. I am on the phone with them several times a month. I make the minimum payments every month. 

Today I have spoken to several people, including XXXX, XXXX and a man whose name I did not catch. They kept transferring my call, putting me on hold stating that they had to reach out to someone else, or disconnecting the call entirely. I have been on the phone with them for an hour already either on hold or having to call back because I was hung up on. 

This customer abuse during a pandemic is horrendous. This financial institution is a disgrace to the financial industry. Wells Fargo is actively engaging in fraudulent behavior and practices. They are doing everything they can to put student loan borrowers in default. My credit score is ruined thanks these practices. I have been trying to make payments and they are doing everything they can to make it difficult.

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 2022-11-14
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-08-08
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have Venmo in XXXX I received a settlement check from my old job. I just finding out that it went Venmo. I signed into my Venmo app all of sudden the frozen my account. They ask me to send them identification I sent it .now it been weeks later no body gotten back me .they holding people money hostage and it not fair. They say six days for them to resolve the matter it almost three weeks later. You call the customer service and they tell the consumer the department dealing with it doesn't have a phone number.i have email the CEO and they still have not gotten back to XXXX need my money it been hard on my because of them and there poor behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : 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 2020-12-22
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I checked my credit report and noticed a collection account had been posted for an apartment that I previously lived in. Prior to the account being sent to collections I spoke with the leasing company to dispute the debt as I was misinformed by one of their agents. In XX/XX/XXXX, I expressed to the leasing agent that I could not continuously walk up to the XX/XX/XXXX due to health concerns. At the time aXX/XX/XXXX unit was available, the agent advised she would submit the internal request for me. In XXXX, I went to the office again for which the unit was still available but had been offered to another tenant. I expressed the need for a XX/XX/XXXX unit or I would have to relocate. The agent assured me that if I signed the lease, the company would rescind it if a XX/XX/XXXX unit did not come available before XXXX. I had to sign the lease to keep the renewal rate or my monthly rent would be month to month which I could not afford. I moved in XX/XX/XXXX because I found a unit with no stairs. 
I contacted Ideal Collections Services on XX/XX/XXXX to validate the account with negative results. I requested a validation letter that was emailed to me on XX/XX/XXXX after my request but I had not received a letter from Ideal Collections Services prior to this date. To the best of my knowledge the account was still being disputed with the leasing company as I had received their letters and follow-up phone calls regarding the misinformation. 
On XX/XX/XXXX at XXXX XXXX, Ideal Collections Services offered a payment plan with first payment due on XX/XX/XXXX. I was still attempting to negotiate a settlement with the company and make arrangements that would not cause a snowball effect of my other obligations ; however, I did make the payment to Ideal Collections Services for {$180.00} through my banks bill pay service. 
I feel because I refused to provide my checking account information to the Ideal Collections Services via phone they refused to continue the payment plan. 
On XX/XX/XXXX Ideal Collections Services representative XXXX XXXX advised they would not be accepting the payment and it will be refunded. To date I have not received a refund or the returned check in the mail. 
The entire conversation is available in an email thread to prove their unwillingness and deceptive practices as they delayed responding to my requests via email or made it impractical for me to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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 2021-11-22
Company: CMG MORTGAGE, INC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX -- -I closed on my home, mortagage paid in full with XXXX XXXX XXXX They charged me a month 's mortgage after it was paid in full through the automatic withdraw I set up with the loan. I called XXXX and was told that the payoff happened at an unfortunate time before automatic payment could be discontinued. When I asked my it is not part of their process to immediately stop autopayment when a loan is paid off, no one could answer my questions. I was told and then sent an email verification that the mortgage payment that they should not have pulled would be coming with my escrow check in the mail in XXXX business days from closing. 

XXXX XXXX-No check has arrived in the mail. I called XXXX and was put on hold an disconnected XXXX times and each time, the person could not assist me and I was re-routed back in the hold system as if I was calling for the first time. The last person I spoke to let me know that she saw that the funds were not released from escrow yet and that they have a policy that stipulates that funds are not released until XXXX business days have passed. I let her know that I was told different and had an email that said otherwise. I asked her why they kept escrow funds for so long since the official transaction is over and releasing funds to the rightful party should not take that long. She did not have an answer for me regarding timing or why. 

I also let them know my address multiple times and I decided to verify in my last call. Sure enough, after giving my new address to them multiple times, they did not have a complete address on file so the escrow check would not have made it to me even if they did mail it in a timely fashion. The customer service reps were respectful, but incompetent -- -not able to assist me on a simple matter. 

I would like to file a complaint against XXXX XXXX for wrongfully charging me mortgage payment, unnecessarily delaying final payment of/withholding escrow funds, and not being able to answer simple questions regarding the refund I should rightfully be receiving.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2021-04-20
Company: Mountain Run Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid in full directly to XXXX XXXX, they sold this account to perfection Collection, I was able to provide all paid receipts to Perfection in which they ignored all my results, and which they were unable to verify the debt. they then sold the debt to mountain run solutions, I have sent several letters to validate the debt and also provided the paid receipts to this company, they are trying to collect on a debt that is not valid. i have the original contract which the balance stated clearly states {$530.00}. Mountain Run Solutions is requesting that I pay {$1100.00}. 
I am exercising rights to have this information removed and this company be reported as reporting fraudulent accounts on my credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation