BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XX/XX/XXXX I was scammed and hacked, by individuals impersonating XXXX XXXX ( I received the caller ID for XXXX ), and my identity was stolen. The result was that a XXXX XXXX XXXX XXXX was open using my identity. I filed a police report, as well as a report with the Federal Trade Commission, the IRS and SSA were also informed of the identity theft. I contacted XXXX XXXXXXXX XXXX on XX/XX/XXXX, and was asked by them to send a police report and the FTC report so they will not make me liable for the fraudulent XXXXXXXX XXXX account, which I did.. I also sent documentation to TransUnion, XXXX and XXXX. XXXX XXXX 41 days later.is making me liable for the fraudulent account and refuses to provide a letter to remove the hard inquiry in my report. TransUnion, XXXX and XXXX are not willing to fix my credit ( eliminate the XXXX XXXX XXXX XXXX and hard inquiry ), after over a month of being alerted to the fraud, and sent all documentation. Today, XX/XX/XXXX, after talking to the credit Bureaus only fraud alert is as far as they are willing to help me with. I have not only been a victim of cyber crime but also of the Institutions I now depend on for help ( XXXX XXXX, XXXX, TransUnion, XXXX ). 

Can't these people understand that it makes no sense for me to open a XXXX XXXXXXXX XXXX XXXX a month ago, Spent XXXX dollars on it and then go through all the pain and aggravation which represents to deal with this bank and the credit bureaus to try to fix 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 non-monetary relief
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX business credit card with XXXX XXXX is reporting incorrectly to my personal consumer report. XXXX XXXX reduce the credit limit to account balance and my score is affected because of this.

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 2022-12-31
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/2013 ; XXXX  XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: EQUIFAX, INC.
State: VA
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:
This is to inform you that EQUIFAX unlawfully reported an unauthorized inquiry on my consumer report. I have not given them permission to access my credit profile and they have no permissible purpose by law to contact third parties with my private or personal information. Their offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

XXXX XXXX  XX/XX/2022 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

Also, EQUIFAX did not follow METRO 2 COMPLIANCE LAWS when they put these violations of late payments, inquiries, and wrong addresses on my consumer report, and I DEMAND THAT THEY BE REMOVED EFFECTIVE IMMEDIATELY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
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:
In accordance with the Fair Credit Reporting act 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 U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Navient has not provide the information I requested over the phone. I called XX/XX/2022 and requested documentation showing how I was approved for all my private loans, which is to include the Debt to income ration and my credit score at the time when I was approved for all the loans. I was told that I would get something in the mail in 15 days and never received. 

I called again on XX/XX/XXXX and was told that I would have the documents next week and I still have not received the documents. 

I called again on XX/XX/2022 and was told a letter was created and I would get documents by next week and I still did not receive to date. 

Navient does not seem to want to strive to get me what I need. This is giving credence for me to believe that there was deception involved with how my loans were approved. XXXX XXXX themselves have already been proven to be practicing predatory lending in regards to my Federal loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have previously disputed this account with the bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me - the alleged account holder - there is no way the bureaus were able to verify this! I'm invoking my rights as a consumer under Federal Law and the bureaus are choosing to blatantly just ignore me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: EQUIFAX, INC.
State: MD
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:
I need my Equifax freeze lifted and called, tried to log in and all I get is that it can't be done, my information is incorrect. If finally got a person who said to mail a letter and my social security card and drivers license to Equifax and they would send a password that should arrive five days later. I sent that XX/XX/XXXX. I sent another letter XX/XX/XXXX to say I have gotten nothing. I've been calling since XX/XX/XXXX or XXXX and got the run around from one computer to another for days just to finally get a person. 

I don't get it that someone in another country can hack my credit card within days that I activate it, but Equifax won't give me access to my account to lift the freeze long enough to get a credit card from someone other than Mastercard which seems to be on hackers radar. 
If you can't help, I'm used to that. But please, someone have some compassion and get through to Equifax if you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
On XXXX XXXX, XXXX, I wrote to the bureaus questing an investigation into items that I believed were INACCURATE. To date, I have not received a reply from them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again for them and request that they reply within a reasonable amount of time, and they failed to do so.

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 2022-07-07
Company: CrossCountry Mortgage LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/22 I had an escrow balance of {$5100.00}. My flood insurance was due and was paid on XX/XX/22 in the amount of {$1400.00}. This left me with an escrow balance of {$3700.00}. On XX/XX/22 an escrow analysis was performed at a refund of {$2500.00} was issued ( I have not received this as of XX/XX/22 ). This would leave my escrow balance at {$1200.00}. I called on XX/XX/22 to rectify the under payment of refund. My escrow account only needs XXXX the disbursement amount ( $ XXXX = {$230.00} ). Therefore, I asked why I still have {$1200.00} in the account if Federal and State law require only {$230.00}. I asked for another refund in the amount of {$1000.00}. Total refund at this point should be in the amount of {$3500.00}. The CSR I spoke to was rude and unprofessional. She wanted to know where I got my numbers. I told her the same information above and she said on her end of the system she only shows {$230.00} in the system. I told her that was incorrect and where can I send my information to escalate. I was provided the customer service email and sent the same information there. On XX/XX/22 I received a call from the mortgage company, but as soon as I answered they hung up. I checked my account again and have noticed they paid my flood policy twice. The 1st payment was on XX/XX/22. A 2nd, unauthorized payment on XX/XX/22. Now my escrow account reflects a balance of {$230.00}, but the mortgage company duplicated my flood payment. I want the excess escrow balance of {$3500.00} to be refunded to me. I have not received any refund as of XX/XX/22 and my mortgage company isn't helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXXXXXX XXXX closed on my construction to permanent loan on XX/XX/XXXX with an interest rate of 3.3750 %. XXXX sold my loan to Shellpoint Mortgage Servicing with my payments to begin on XX/XX/XXXX. On XX/XX/XXXX, I discovered that Shellpoint had increased my 30 year fixed mortgage rate to 3.6250 %. I informed both XXXX and Shellpoint about the change in rate on XX/XX/XXXX. XXXX told me that Shellpoint had evidently made a mistake. After many phone calls to Shellpoint customer service, Shellpoint has not responded to me directly to correct the problem and customer service continues to tell me the rate is correct. How can a company change a fixed 30 year rate without some consequences?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
After a payout from my divorce on XX/XX/XXXX I received a phone call from the Chase Branch in XXXX XXXX to tell me I qualified for as a Chase Private Client ( although at the time my balance was tens of thousands of dollars under the qualifying amount for this status ). I went to the bank and and they organised this change in status and switched all of my accounts over accordingly ( that included my going from an entry level checking account to an account which has no fees as long as there is a minimum high balance or other qualifying events associated with my accounts which this large deposit suddenly made me eligible for ). Several months later I decided to move most of my money to retirement investments and around six months after I qualified for the Private Client status, I received another phone call to tell me I was disqualified from Chase Private Client for not having a high enough balance in my Chase accounts. I had to return to the bank and have my accounts switched back to regular accounts becasue my low income and savings meant my minimum balances would generate fees. This was all taken care of by the person who was managing my Chase Private Client status. I have since had to purchase check books and so on for this account as anyone would with a regular account. Given my salary and savings, and after transferring my funds into my retirement, if I were to walk into the bank I would not qualify for this account. 

I did not realise, until today, that the bank for some reason did not change my checking account back to a regular entry level account when they took away the private client status and changed my savings account. I have been charged $ XXXX/month for my checking account becasue they funds have been under the minimum $ XXXX. I had no idea that they skipped changing my checking account when they changed my savings and happily took me out of their program ( for which I stopped receiving any benefits from back when I lost the status - i.e no free check books etc ). I called chase and they offered to refund 2 of the payments. I believe the bank should refund all of the payments of {$25.00} they have removed from my checking account since they made the error back in late XXXX. They said I should have read the fine print on every monthly statement becasue the conditions of my account are written in there. I was led to believe I had been switched back to my regular entry level account that I had before they changed it. 

I would like to initiate a claim for these {$25.00} payments. I believe the bank made a error and are are trying to mislead me into thinking it was my fault by trying to blame me using the " read the fine print '' line. It doesn't hold up in this case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-31
Company: MRS BPO, LLC
State: FL
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:
A company named XXXX XXXX has called me repeatedly, including in the middle of hurricane Ian, and has not told me any information about the debt. I have continued to ask them not to contact me by phone but to contact me by mail only. I have not received one thing in the mail but they continue to call and text me from all different numbers. This is all during a time when Ive lost my dad, my dog and my ex, which we remained friends, and added unnecessary emotional stress. If I knew what the debt was from I would have setup an arrangement to pay as I have worked very hard to fix my credit over the last 20 months. I dont even see anything new on my credit so at this point its obviously just harassment and wish to peruse this to the extent possible. I apologize for the vulgarity in one of the attached text messages but this was after many phone calls including one the day after my XXXX XXXX the woman called me back twice after hanging up on herXXXX you in advance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have an active extended feud alert and the inquiries keep appearing on my file. Please remove immediately as I've locked my file Experian : XXXX XX/XX/19 XXXX/XXXX  XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XXXX  XXXX  XX/XX/19 XXXX XX/XX/19

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My information have been involved in a data breach and there are XXXX negative accounts that is reporting negatively on my credit report i have file a report with the Federal Trade Commission ( FTC ) as well as filed police report of the incident the accounts need to be deleted off of my report I feel like this incident have really held me back financially and it need a resolution. the accounts that is reporting is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I found out my information was breached on XX/XX/2022. I have placed fraud alert on my credit profile and filed a complaint with the XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
In 2006 I went to The Illinois XXXX XXXX XXXX for 3 years. I went on a short break and when I came back they said my XXXX XXXX was no longer offered and that I could go for an XXXX XXXX instead. I couldnt even finish my 1 year left and still pay XXXX each month since I was XXXX. XXXX XXXX with XXXX kids now under XXXX still paying without any possibility of getting my degree finished. They wouldnt even take all my credits!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
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:
On XX/XX/19 I spoke to a rep from XXXX XXXX named Mr. XXXX, I wanted to dispute this fraudulent information that was being held on my credit report, the representative accused me of lying about the account being fraudulent. He stated that since the account was being paid with a XXXX XXXX account that I was obviously lying about the account not being mines, when I asked for his ID badge he refused and cut the line. So called back and spoke with someone else who sent me fraud report. My dispute started XX/XX/19, the rep informed my the dispute investigation takes from 45 days to 90 days to complete. On XX/XX/19 I sent the letter off to the XXXX, OH address, along with my IDF report and police report number. I called on XX/XX/19 and was told the letter have not been received yet and to call about the following Tuesday. On XX/XX/19 I spoke with another rep named XXXX, Badge # XXXX, I asked if they have received the letter yet, he told me their is no way for him to know if it came and I would have to wait until the dispute was over. Then he turned around to told me the disputed ended on XX/XX/19 and they found that i was responsible for it, but yet they didn't receive my reports and and its only been about 20 days since the investigation started. When I asked can resend my documents, he told me that since they found I was responsible for it, they never investigate this account again and I will have to pay the full balance. He told me anyone can make a police report and put their name on it, he accused me of making a false police report which a criminal offense in the state of IL. Why would put my career and schooling in jeopardy over {$500.00} by making a false report. I just want XXXX XXXX to know these are the type of UNTRAINED and UNPROFESSIONAL people working for them, and a reminder from those SAME people and OTHERS to NOT give their input on things they DO NOT know about. XXXX should also know refusing to take this item off my credit report is violating several laws and Credit acts. They have lied time and time again, I have everything documented this bank needs to be shut down immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSWORLD SYSTEMS INC
State: DE
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:
Hello My name is XXXX XXXX XXXX XXXX XXXX having a lot of issues with my credit report because I do have a twin brother who does not have a social security number and all his account are been mixed with my credit report. I already called the companies involved and the XXXX credit bureaus to explain this and provide proper identification of both of us to them but the problem continues and new accounts for my brother keep showing on my report. I has been over 3 years with this issue. I need help, please. 

IDs, social security for my self have been send to all the buraus as well for my brother his IRS letter ( ITIN # ) and his driver license was enclosed for there review and we still having issues, this situation have become a big stressful issue since this has prevent me to obtain a mortgage because of this items not my showing on my report over and over again after disputes has been summited multiple times. 

This also affected me with my car insurance & IRS as well Also I have contacted XXXX company and all documentation re-send it to all parties involve and still not resolve as yet need this to be over.

Company response to consumer: Closed with explanation