BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-08
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: Information belongs to someone else

Complaint:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.

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 2017-05-05
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Since XXXX of XXXX I was on a repayment plan with Nation Star mortgage that was to end in XXXX of XXXX. The payments were for XXXX due to the fact that I also had monies in suspense. Now that the re payment has been fulfilled, Nation star mortgage is stating that the repayment plan was set up incorrectly with XXXX XXXX, whom is supposed to be a " dedicated loan specialist. '' Nation Star is reporting to the credit bureaus that at this time I owe since XXXX of XXXX. This is incorrect and I have fulfilled the five months and total amount due of XXXX. Nation Star has claimed today, XXXX XXXX, XXXX, that the repayment plan was set up incorrectly- they should have certainly noticed this during the five months they have been receiving the funds for this repayment plan. If, indeed, their representative set this plan up wrong this is their error, not mine. I want the credit fixed and updated on my credit report reflecting current. Furthermore, if they made a monetary error, as well, this is their error, and they need to fix it, whether that money has to come from their bank or their representative I do not care. This is their error to fix and correct promptly. I am currently trying to receive a car loan and Nation Star is the only company that does not have me current on credit reporting. Now that I am current with Nation Star, they need to update the credit ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX, Experian, and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 

As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 
15 USC 1681 s-2 Says XXXX, Experian, and XXXX is a furnisher of information to a consumer reporting agency. 
XXXX, Experian, and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand XXXX, Experian, and XXXX to Cease and Desist the reporting of incorrect/ inaccurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
XXXX : a law or regulation forbidding something XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' EMVLP II LLC/FIS XXXX POTENTIALLY NEGATIVE MONTHS Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$24000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX CO ND XXXX XXXX CO ND XXXX - XXXX CO ND XXXX XXXX CO XXXX - XXXX CO XXXX XXXX - XXXX CO XXXX XXXX - XXXX CO XXXX XXXX - XXXX CO XXXX XXXX - XXXX CO XXXX XXXX XXXX CO XXXX XXXX - XXXX CO XXXX XXXX XXXX CO CO XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$2900.00} written off. 
Status updated XX/XX/XXXX Original balance {$24000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 60 Months Company sold - Original creditor - Comments Purchased by another lender Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

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 2022-10-03
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a promotional offer from Chase XXXX XXXX Credit Card to receive 5 certificates, each worth XXXX points and good for 1 nights hotel room, upon acceptance, meeting the spending requirements and paying annual fee. Applying online, there was not a place to input promotional code ( XXXX ), so I called Chase to see what to do. I was told to fill out application and the offer would be picked up by my name. No worries! 

I applied, received my card, spent the required amount in the specified time period, paid the annual fee, and then only received 3 certificates. I contacted both Chase and Marriott several times, XXXX XXXX, XXXX. XXXX and XXXX, XXXX. XXXX and XXXX, and XX/XX/XXXX. Each time I was told they would check on it. After I sent them a copy of the offer and was told I did not qualify, I finally contacted XXXX XXXX, Chase PR Manager in XXXX, Ohio. The response I received was that I did not qualify without any explanation. With a credit score of over XXXX, I can not imagine what the qualifications must be. I feel that if you are offered a promotion and you do not qualify, you should be notified so that you may decide whether to accept the card with a lesser benefit. It appears that Chase is deceptively using a promotional offer to get new customers and not fulfilling their offer. If one does not qualify, I feel the applicant should be notified and told what the qualification was and why the applicant did not meet that. Finding out you would not receive the offer after paying the fee and using the card seems fraudulent, deceptive and unethical. As XXXX year Chase customers, their promotional practices are disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Mountain Run Solutions, LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Mountain Run Solutions LLC put a derogatory mark on my credit report alleging a {$340.00} debt due to XXXX based on a contract dated XX/XX/XXXX with XXXX XXXX XXXX XXXXXXXX XXXX XXXX For the purposes of negotiation and compromise, on behalf of XXXX XXXX and myself, I have requested that Mountain Run Solutions provide the following documentation so that we can settle this dispute, which they have refused to provide : 1. A copy of the assignment of the XXXX contract from the Alarm Monitoring Agreement with XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX from XXXX to Mountain Run Solutions LLC. 
2. a written release of all liabilities arising from the Alarm Monitoring Agreement with XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, signed by an authorized representative of Mountain Run Solutions , LLC releasing XXXX XXXX and XXXX XXXX XXXX formerly known as XXXX XXXX ; 3. a copy of a written submission removing any derogatory comment from both XXXX and XXXX credit reports with all three credit agencies, XXXX, XXXX, and XXXX. 
Documents provided on XX/XX/XXXX by Mountain Run Solutions are not signed by an authorized representative contact person to be validated, do not show the details of {$340.00} calculation which conflicts with the billing history document as well as the terms of the XXXX Alarm monitoring agreement.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$3700.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX {$140000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$700.00} XX/XX/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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
To whom it may concern XXXX XXXX has violated my rights : account number XXXX account number XXXX account number XXXX account number XXXX and account number XXXX I did not authorize anyone employed by this company to create a account in my name and or furnish any of my personal information this is a violation of Fair credit reporting act section 1681b ( c ) and a serious breach of my privacy rights

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 2021-12-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX sent {$3000.00} from XXXX XXXX for or through XXXX XXXX. XXXX XXXX had me send money to him through other people and now the have stole {$2000.00} from my personal bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: MIDFIRST BANK
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
On XX/XX/XXXX, an automatic payment went out to Midland Mortgage  from XXXX XXXX, this was an error since my mortgage was fully paid off, this led me to make a formal request for a refund of an overpayment on my mortgage account, in the amount of {$1200.00}. Since then, I have been experiencing a series of setbacks and have been given the runaround by your customer service representatives and some supervisors. Despite numerous attempts to resolve this matter amicably, I find myself at a dead end with no resolution in sight. 

Over the past month, I have called Midland customer service department multiple times, approximately a dozen, inquiring about the status of my refund. Each time I reached out, I received no substantial information or assistance. Instead, I was repeatedly directed to contact my bank, XXXX, for a resolution. This situation has been both frustrating and time-consuming, as I have spent a total of approximately 4 hours on the phone with my bank, who, in turn, informed me that they have no knowledge of any transaction involving a company named XXXX. 

My most recent interactions with Midland provided me with the information that a refund check was allegedly sent to XXXX on XX/XX/XXXX. However, I have no familiarity with XXXX, and their involvement in my refund is perplexing. I implored Midland customer service representatives to reach out to XXXX and investigate the situation on my behalf, as I believe it is your responsibility to ensure the resolution of this matter. Unfortunately, I was met with the same response, instructing me to contact my bank. 

This frustrating cycle of being bounced between Midland and XXXX has persisted for over a month now, and it is imperative that this issue be addressed promptly. I have been patient and understanding throughout this process, but I can no longer tolerate this lack of communication and unresolved matters. 

I want to emphasize that I have been a loyal customer of Midland Mortgage, and I have always upheld my financial responsibilities faithfully. I had expected a more efficient and respectful handling of this situation. 

I am sending this complaint not out of choice but out of necessity to ensure that my concerns are heard and that this issue is resolved promptly.

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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
15 U.S.C 1681b Permissible purposes of consumer reports. 

It's a defamation to my character having all these inquires on my credit report that I didn't authorize. I tried and called several times to have these false inquires removed, and nothing. I asked for an udated credit report more then once and finally received it to see more inquired that are false on my credit report. 


XXXX XXXX ( XXXX ) XX/XX/2023 and on XX/XX/2023 XXXX XXXX XX/XX/2023 and XX/XX/2023 XXXX XXXX XX/XX/2023 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 2023-09-14
Company: Incomm Holdings Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I bought five prepaid credit cards from XXXX as gifts for {$500.00} each. I found out with the first one that there are problems as it didn't work. I tried calling the company from the number on the back but it is very difficult to reach anyone and you just get stuck in a circle. I did find a way to reach a person ( Long story to how ) and they said this was a rare case and unlocked the card. However, it happened again with the next two cards and the last two I was told needed to be replaced and they would send new ones which at the time of this complaint I have not received. There is much more to this and would be happy to follow up but this is a clear scam as they hope receivers of these gift cards will just give up, trying to get information on this company or contacting them is near impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
CRASHED MY CAR WITH FULL COVERAGE AND THE DAMAGE WAS MORE THAN WHAT THE CAR WAS WORTH. I HAD GAP INSURANCE INVOLVED ( XXXX XXXX XXXX XXXX ) WHO LEFT ME WITH A {$2000.00} BALANCE THAT I SHOULDN'T HAVE HAD TOO PAY IF I HAD GAP INSURANCE. I NEED HELP BECAUSE ITS MESSING UP MY CREDIT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: EQUIFAX, 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:
I have contacted Equifax and XXXX  multiple times since XX/XX/2019. I have opened disputes and they have not correctly resolved the issue and my credit score is negatively affected. My XXXX Credit account is listed as post due for the month of XX/XX/2019. XXXX refunded late fees and interest to my account so that the balance was {$0.00}. Equifax and XXXX  will not change the status from Past Due to current even though I have provided statements showing the refunded fees. XXXX said the account is up to date in their system and not past due for XX/XX/2019. Their recommendation was to dispute with the agencies which I have done multiple times. I dont understand why XXXX updated the report and the others refuse. My credit score dropped significantly because of this. So much so I was advised against putting an offer on a house until it was resolved and now the house is no longer on the market!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit report act, 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 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 2023-03-31
Company: OLD NATIONAL BANCORP
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My mother is a joint account holder on this account. She had a check stolen from a post office during a well documented drop box break-in event at XXXX, OK. A few other dozen checks were stolen at the same time ( XXXX ). The check was washed with a different recipient and dollar amount ( {$7500.00} ), then cashed on XXXX. We discovered the check fraud during our statement review in early XXXX, XXXX. We promptly contacted Old National Bank ( ONB ) where our checking account resides on XXXX. We then submitted to ONB the requested affidavit along with the police report #, including the letter from the postal service indicating the postal crime and check fraud that occurred. We started inquiring of ONB about reimbursement to our account soon afterwards. In early XXXX, we were told that it takes a while to work through these issues, to be patient, and check back in about 90 days. I contacted ONB on XXXX asking about an update for reimbursement. I was put in contact with the local bank 's branch manager and expressed my concern that I had no evidence or assurance that reimbursement of our account was being pursued. On XXXX, I received an email from the manager indicating that compliance, legal, and senior executives had met to discuss our case and that they would not provide any provisional or permanent credit to our account until they hear back from XXXX  XXXX XXXX ( the bank that received the altered check ). 
In my discussions with other banks and credit unions that we do business with, it is a standard practice for the victim 's bank to provide reimbursement while pursuing the other bank that received the fraudulent check.

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