BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was offered a credit card through XXXX XXXX. The card was from XXXX XXXX. Located at XXXX XXXX XXXX XXXXXXXX Utah. XXXX XXXX. I never heard Back From Them So I decided to call XXXX XXXX  at XXXX. 
The Inquiry was mede by them in my credit report. When I spoke to them they stated they had no information on me and I explained I did a full application. The customer service replied you will have to go ahead and take care of this yourself then hung up on 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 explanation
Consumer complaint received 2022-12-31
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hi there, Over the past few months I have been trying to dispute the accuracy of personal information on my credit report and I have failed to get a resolution. Past addresses keep showing up, past employers keep showing, and unrecognizable spellings of my name to mention but a few. I sent disputes to XXXX, XXXX XXXX, and Equifax that are pending for the last two months. Old accounts that were closed years ago are still showing and the number of open accounts, I have disputed but never had an updated result. Can someone with a better approach to the fair credit reporting act help me out, please?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I was paid on XX/XX/23 via wire transfer from a closing on a sale of a home. I am a residential realtor and new to the area this was my first sale here. I had opened a chase account being that my other banking institution was not in this area I relocated to. I was informed my account type could not accept wires and that the funds would be returned. When the funds were returned the following XXXX  XX/XX/23 I deposited them into the Chase account and was told funds would be available on XX/XX/XXXX. The mobile app also confirmed this date. On XX/XX/XXXX I logged onto my account to pay bills and noticed the funds would be unavailable until XX/XX/XXXX. Not only has Chase delayed this large deposit from a local reputable title company but they continuously hold small deposits of less than {$500.00} Im paid bi weekly for managing a local bar. Its absolutely ridiculous that XXXX of the largest banks in the country cant cash a routine biweekly check for XXXX of the lowest paid members of the workforce. My hourly pay at the restaurant is only {$7.00}! Yet Chase every other week HAS to hold my 40 hours of compensation XXXX for 3-4 days? This is not proportional.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I recently checked my credit report with XXXX. On it, I noticed a credit card in my name was opened on XX/XX/2022 by Bank of America. I never applied for a credit card with Bank of America, and never received one in the mail. I believe I am a victim of fraud.

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 2020-09-25
Company: Experian Information Solutions Inc.
State: IL
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:
Experian and XXXX credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. 
XXXXXXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX   XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # 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 2020-06-01
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:
Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
please remove incorrect unauthorized accounts and reverse late payments from 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 2022-05-18
Company: RoundPoint Mortgage Servicing LLC
State: AZ
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 vacated my residence of XXXX XXXX XXXX XXXX XXXX AZ XXXX on XX/XX/XXXX. During that year I paid the mortgage payment but my wife at the time was living there with the kids. During XX/XX/XXXX- XX/XX/XXXX we were doing temporary orders to resolve who was going to live where and who was going to pay for what. During that time, I had a myriad of bills and transitioned most my billing to a XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX AZ XXXX. Roundpoint did not send the bill to the new address, and I had turned autopay off on Roundpoint Mortgage because we were in the middle of temporary orders, and it was possible that she would have to pay the mortgage, and were I to pay it, then I would never see that money back from her. RoundPoint Mortgage made ( 1 ) attempt to call me to collect payment and then submitted a delinquent payment to the bureau. Now, once I was notified by the credit agency of the delinquent payment report I contacted them, explained the situation and they remove the delinquency on the report. Then, I moved back into the home after temporary orders and caught the account up. There was no problem for a few months until during the divorce it was required, we sell the property. Roundpoint Mortgage then reissued the delinquent payment after the property was sold ( 1 ) Year after the initial delinquent payment was reported. They did not ding my ex-wife 's credit score, they dinged mine. In any case, the delinquent payment should be removed because the circumstances were such that a divorce and billing error was the cause of the issue. I have attached letters from my attorney, as well as the divorce exhibits to show that this timeline existed as I stated earlier. Please remove the 30 day late payment on my credit score immediately due to extenuating circumstances.

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 2023-09-07
Company: LendingPoint Holdings LLC
State: TN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I kept getting text messages and voicemails from a place called Lending Points at XXXX saying I was approved for a loan. I didn't apply with them but I did use the lender request sites and figured they were from them. They had my information and was sending me a form to fill out to my email. The agent on the line kept telling me to stay on the line with him and if I have any questions to contact him directly. I started getting red flags because that sounds off. I received the email and before clicking any links in the email. I checked the email address of the sender. The email was a XXXX address and I know that wouldn't be official. The sender was XXXX. I didn't do anything, hung up on the call, marked all the texts and phone calls as spam and came here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: JPMORGAN CHASE & CO.
State: VA
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:
XXXX of 2022 I purchased a XXXX XXXX from XXXX XXXX of XXXX in XXXX, VA. I took out a loan through them and XXXX takes out loans through Chase bank. I realized a week or XXXX later that I wanted to switch the loan over to my bank XXXX. I called XXXX and filled out the information necessary for the loan to be switched over to XXXX. XXXX sent the check to XXXX and it was cashed out. XXXX told me the car was paid for and they now had the loan and I began making payments. I am in the XXXX XXXX and was gone for training for a couple months afterwards. I came back home to letters in the mail from Chase bank saying I have late payments on my loan. I thought I had paid off the loan with Chase but I found out that XXXX just cashed out the check and never paid off my car with Chase. XXXX ended up sending a check back to XXXX to pay off my loan with them. I still have my loan with Chase and the late payments ended up hurting my credit. I submitted a couple complaints to XXXX and they were denied and said Chase needs to send documentation for my credit to be fixed. I contacted Chase and they have refused to fix my credit. I have attached the check that was sent to XXXX and cashed as well as the documentation showing my loan with XXXX was paid off. I can also send a copy of my orders proving I was gone for training if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: FIRST PORTFOLIO SERVICING INC
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like these accounts deleted off my credit reports and closed once and for all. I did not open them. I have filed a police report, that is all I have to do under FCRA and FCDPA fraud law. Per that law you have 15 days to delete this off my reports after receiving a police report documentation. If not I am entitled to {$1000.00} per fraudulent entry you continue to allow to report after that day knowing you had a valid police report. This is not a request for investigation. This is a request for deletion and to case all collection activity as per the law under FCDPA and FCRA. This information must be deleted from my report or I will have to see you in court for those damages above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
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: Account information incorrect

Complaint:
XXXX # XXXX is reporting a balance on my credit report. This account has already been paid and the balance should be updated to {$0.00}. This is a violation!

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 2019-01-31
Company: ERC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX in XXXX Florida continued to call my home number after three seperate attempts on my part to get them to cease. On my first conversation with a representative they determined that i was not the party that they were trying to collect from but gave me that individuals full name ( violating FDCPA disclosure laws ) and they assured me i would not be called again. The phone calls continued daily. After a length conversation ( taped ) in which a female supervisor advised they couldn't always see the numbers they were calling in their system, I was again informed that I would absolutely not be called again. After that call I documented calls from ERC on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( 2x ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There were more but these are documented. 
On XX/XX/XXXX I again spoke with the company. I have advised on all three conversations that a XXXX person uses this phone line as his life line and that these calls were a nusiance and causing stress and harm to this individaul. I have since been contacted by their complaince officer assurning me that i will not be called again. He also claims this is a " call forwarding '' issue which is nonsense because the person they told me they were trying to collect from ( 2x ) had this number over thirteen years ago. I know this to be fact from the ten other companies that called in the first year I had the number. This leads me to believe that ERC participates in collecting past statute debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Conduent Incorporated
State: NM
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
XX/XX/2021 I live in New Mexico. I am a victim of ID Fraud. Someone has used my information to start an unemployment benefits claim. I have notified my state, and the EppiCard arrived at my home on XX/XX/2021. I am trying to call them, inform them of the fraud and close the account but there is only an automated system that does not have an option for reporting fraud or to speak to a live person. ( Terrible System!! ) I need to make sure a replacement card is not ordered, as I do not know if there are multiple claims in my name or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Exeter Finance Corp.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Someone from company keeps calling and sending letters for unpaid debt after Ive asked not to from Exeter finance and they have called multiple people around which has me guessing how did they receive that persons phone number or anything I feel harassed by this and they are steady reporting to my report I want this to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Heartland Resolution Group, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent HEARTLAND RESOLUTION GROUP a cease and desist ( pursuant to 15 USC 1692C ( C ) ) and a demand for validation of the alledged debt ( pursuant to 15 USC 1692g ) regarding a debt they contacted me through mail about. In my response to them, I demanded all communication be done through " mail only ''. They ignored my request and continued to harass me by calling my phone 27 times from XXXX XX/XX/2022 after receiving my cease and desist which is a violation of 15 USC 1692d ( 5 ) They never responded to my request for validation of the alleged debt and they have had more than enough time to validate the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Dear Sirs, I need your assistance after several attempts to have Transunion, XXXX, and XXXX to remove a derogatory account off my Credit Report. the account is with XXXX XXXX .The Credit Reporting Agencies after being asked to return proof that this debt is valid .I requested an original copy of the copy of the original contract with my signature and the company signature on it and stating the Originial amount on it the amount on the reports is {$12000.00}. After several attempts and letters this negative information is still on all my reports with TransUnion, XXXX XXXX. I am getting alerts with XXXX and XXXX XXXX stating that I missed a payment in which is lowering my score.Just last month I applied for a Auto loan and theCar Finance Manager said I could not get approved because my XXXX stated that I just had this month a repossession. I greatly need your assistance in getting this negative information removed. My credit and scores has suffered extensively. They also refused to remove the old addresses and inquiries and an Ex- Wife name in which I am no longer married to her for several years now. These are several dates in which I had sent numerous letters trying to get certain things removed like XXXX XXXX and they still refused to correct the information XX/XX/XXXX, XXXX. Hope you can be of assistance. <P/>Thank You

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with The Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Account # XXXX Has Violated my Rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
Company: EQUIFAX, INC.
State: PA
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:
Under 15 U.S.C 1681b - Permissible purposes of consumer reports ( a ) In General subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave this reporting agency any written consent to report anything on my consumer report. No consent is illegal and is considered identity theft under FCRA. I am also the CONSUMER which means under law, I am the only person able to validate any debts which I do not validate here. Because of this, I demand the deletion of the missed payments on this account : XXXX XXXX  XXXX XXXX Since you are in violation of my consumer rights, I demand action to be taken immediately. If no course of action is taken immediately upon arrival of this letter, I will be filing a complaint with the Attorney General, and the FTC for identity theft on your behalf. In accordance with 15 USC 1681n you are civilly liable for damages so I will be seeking monetary relief if no action is taken immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I ran my credit for the first time on XX/XX/2021. I noticed that my birthday is incorrect.

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 2023-11-13
Company: NEW YORK COMMUNITY BANCORP INC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Have completed 3 or more trial modification plans with Flagstar bank. There has been errors with my name and the finalization of modification documents upon 3 trial payments being made. Flagstar has made 2 PMI claims for my mortgage, but they do not complete finalize paperwork after trial payments were made. They have also lost my trial payments too. Again, XXXX XXXX they have denied me mortgage assistance because of Flagstar errors processing my mortgage assistance. XXXX XXXX, XXXX. I emailed required mortgage assistance documents to keep my home. Flagstar told me to resubmit request to correct the processing but upon receiving my information they have not corrected my mortgage. Don't want to lose my home to foreclosure. Please Help

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