BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
My personal id was stolen and used to get loans. I filed all the fraud paperwork and FDTC report and sent to the credit agencies. My disputes are not getting processed correctly and the information is not attached to the disputes. I am not getting copies of the verification process. 

These are the accounts : 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 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my updates, the incorrect accounts were still found in my reports which I believe has been taken care of due to the written appeals. I sent Bureaus letters but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$180.00} ; XXXX XXXX XXXX Balance : {$4800.00}

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 2017-11-30
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was making a payment to my credit card, and I went over by {$2.00} apparently. M & T Bank then decided to charge me a {$40.00} fee for that, then another {$40.00} fee because I did not pay it within five days. 

This is criminal behavior, I should not be threatened to pay {$80.00} because I went over by {$2.00}, even though I 'm pretty sure I did n't. They are threatening to give me black marks on my record and close the account unless I pay their ransom. 

M & T Bank is full of the worst kinds of scum and I can not wait for the day I close  my account with them for good.

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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't have any Public records on my credit report, This is unacceptable, I'm Begging you to remove these on my credit report, this is not funny and It's literally hits me to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-27
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:
There is no sufficient information to support your claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me.. 
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 explanation
Consumer complaint received 2023-06-05
Company: CORELOGIC 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:
see attachements i am a victim of identity theft

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 2019-05-27
Company: PROVIDENT FUNDING ASSOCIATES
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Water damage took place in my house located XXXX XXXX XXXX XXXX XXXX WA XXXX. 
I received two checks from XXXX XXXX XXXX for total amount of {$73000.00} by my name and provident funding ( the mortgage company ) I endorsed the checks and mailed to the provident company on XX/XX/2019, after I got a promise from one of their employee through a phone call to get a check from them in five days. After repeated phone calls and a time when 75 % of the repair was completed I received a check # XXXX dated XX/XX/2019 for {$10000.00} with a letter stated that '' a final inspection is required on your claim to verify that your property has been restored to the original condition or better. 
A final inspection was done by provident funding inspector on or around XX/XX/2019 showing that 99 % of the repair was completed on a better condition. Since then several phone calls with funding company agent were made requesting the release the remainder of the fund ( {$62000.00} ) failed. un reasonable reasons and demanding unnecessary documentations not required by the loan documents ( Page 5of 13 paragraph 5 '', Attached. A certified letter was send to them, they received it on XX/XX/2019 requesting the release of the reminder fund, no respond

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault.

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 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 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 ) ( XXXX ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek 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 2023-06-05
Company: Consumer Adjustment Company Incorporated
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2023, I received notification from my credit bureau monitoring services that my credit file for XXXX, XXXX and XXXX was flagged for collection on an account I have never heard of. I never received any notifications of right to dispute by phone or mail. 

All the information I have on this collection is what is provided on my credit report. 

After investigating this company with XXXX XXXX XXXX they have several complaints regarding frivolous collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: ALLIED MORTGAGE GROUP
State: NY
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:
I made an inquiry about mortgage refinance online through XXXX XXXX and was contacted by XXXX XXXX from Allied Mortgage Group. After many emails from him I asked what information did he needed to move forward. He replied with some questions which I answered to the best of my ability. However he didn't asked me for my SSN and never indicated he would do a credit inquiry on my credit report. I was under the impression that with the few questions I've answered, he would be able to give me a pretty good idea of what to expect in which he did but, after he realized I was not a veteran he apologized for the confusion and said that based on my income he would not be able to assist. I questioned if perhaps a HELOC was a possibility but never got an answer. Instead I got an alert about the credit report. He never disclosed any guidelines about credit inquiry nor did he obtained my consent or permission for it. With this complaint I intend to have the credit inquiry withdrawn along with any personal information I may have provided to XXXX XXXX and Allied Mortgage Group and it's affiliated Companies. I've only communicated with XXXX XXXX over emails which I can forward them if needed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: GA
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, XXXX/XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 2022-02-16
Company: Aspen Yo LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Some months ago a mortgage loan on a property owned by my wife and me was sold to a financial institution called Gregory Funding. Average wait times to speak to customer service are typically around an hour, making it extremely inconvenient to contact them. They have no email address that I know of, and their web site is extremely primitive and unhelpful. It provides almost no information at all. 

I'm on hold right now, once again, waiting to speak to somebody. There are 50 people ahead of me in line. At least once, on an earlier occasion, I waited on hold for more than an hour, and just when I finally got to the front of the line, the call was disconnected. 

All I need to do is cancel a regularly scheduled automatic mortgage loan payment for the month of XX/XX/2022, since I already inadvertently paid it through XXXX bill pay. 

This company is a disgrace. If they can not properly service their customers they shouldn't be allowed to acquire more mortgage debt from other institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Affirm Holdings, Inc
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid off the loan a while ago, and since then I had a full refund issued. 

I have been told for the past 2 months that I would be receiving the refund of {$700.00}, and it just never happens. I have been told numerous times that someone would be reaching out by this date or that date, and nothing. 

I have copies of the refund being confirmed and issued by the vendor as well. 

It has become apparent that they have no intention to actually issue my refund on this. 

I am not sure where to go from here, or if this is even the proper venue for it, but any help/guidance would be appreciated. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: EQUIFAX, INC.
State: GA
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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2022-11-08
Company: EQUIFAX, INC.
State: OR
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXXXXXX XXXXXXXX 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 2022-03-25
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
There were a couple of incorrect items on all three bureaus. I sent a dispute letter to all three bureaus ( Experian, XXXX, and XXXX ) on XX/XX/2022. I then sent another letter on XX/XX/2022, letting all three bureaus know that they have 30 days to comply. The 30 days have passed and I have yet to receive any response.

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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I think upon helping someone submit a claim for the cfpb it used my account instead and now my date of birth has changed to XXXX. My date of birth is XX/XX/XXXX and I am XXXX XXXX of age I have a Id that will show that as well

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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute for collection agencies that were on my credit reports stating that I did not have a contract with these companies. I do not know what they are collecting a debt, for. I have no knowledge of these companies. I also submitted a dispute in reference to credit cards that were listed as fraud from the credit company that the credit bureaus would not remove as well.

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 2022-03-25
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I received a text message from what appeared to be Wells Fargo asking if I had initiated a XXXX transfer for {$2500.00}. It asked me reply Y or N. I replied N. Soon after, I received a phone call from what appeared to be a Wells Fargo representative to " help '' me recover my funds. He was very professional and I was taken in by him. He told me I needed to " self-pay '' the funds back to myself. He had me use XXXX to pay myself first {$1500.00} then {$1000.00}. Even though it was my name and my phone number on the XXXX XXXX, the money was, of course, routed to the thief. I immediately called Wells Fargo and was issued a provisional refund of the {$2500.00} while they investigated. Yesterday I received two letters from Wells Fargo Fraud Department, one for each transaction, telling me that the provisional refund would be taken out of my account on XX/XX/XXXX as there was no evidence of fraud. I was completely taken in by this person, spoofing Wells Fargo, then spoofing my phone number and name to take {$2500.00} from me. Does Regulation E : Electronic Fund Transfers not protect me against this kind of fraud? 

Wells Fargo did take the provisional refund out of my account yesterday. I wrote a letter to the bank a week ago, included the police report but have not heard back from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-05
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: Information belongs to someone else

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26
Company: JPMORGAN CHASE & CO.
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:
In XXXX of 2019 I contacted Chase Bank, to speak about a settlement. I spoke with an associate and supervisor about paying a set amount for the removal of this account. Due to me being hospitalized, resulting in a XXXX XXXX XXXX. I am now disabled and can not work, so this was crucial to the decision to pay said amount. Fast forward to XX/XX/XXXX and to my surprise its still showing. I called Chase yet again to only be met with their representatives accusing me of lying and continuous blatant disrespect. As soon as they find out Im XXXX ; Im treated as though I have little to no comprehension. XXXX XXXX # XXXX was not only intent on not helping me, but shes sorry Im too sensitive and cant understand her.

Company response to consumer: Closed with explanation