BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
on X/X/17 or so I sent a XXXX request to Trans Union requesting to verify Bankruptcy and XXXX XXXX XXXX XXXX student loans required under Section 609 by certified mail. On or about X/X/17 I sent a XXXX request and no proof of these items belonging to me was sent. On or about XXXX XXXX Trans Union deleted the Student loans and then in XXXX XXXX put them back on my credit Report. On XXXX XXXX XXXX by certified mail I requested for Method of Verification for BK of 1. Name of the Court, 2. The person who verified 3. The Address 4. The Telephone number 5. The documentation used to verify the dispute. I have never received a consumer contract with my signature I only receive a credit report saying results verified as accurate from BK court house in XXXX Maryland. On XXXX XXXX XXXX I wrote the Maryland Federal Court in XXXX with a Affidavit of correction and ask for there process of such reporting and sent a return envelope. There responds was they do not report such information to Credit Reporting Agency. After that I sent a certified letter with a copy of the Court reply to Trans Union requesting them to delete the information! I have filed and sent a FTC Identity Theft report and along with a police report with all pages and they have ignore those documents. I have never filed Bankruptcy never apply for any kind of student loans.

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 2019-03-06
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX contacted me indicted that had discovered that a mortgage check we had made out to XXXX XXXX XXXX had been intercepted in the mail, was altered to from {$2400.00} to {$4900.00} and was deposited in a XXXX XXXX account. We contacted our bank, Chase Bank, immediately to inform them of this issue. Chase informed us that they funds had already been distributed and that we would need to file a claim. On XX/XX/XXXX we went to a branch of Chase Bank at XXXX XXXX and XXXX XXXX in XXXX XXXX XXXX and filled out the necessary paper work for a claim. On XX/XX/XXXX XXXX XXXX ( XXXX - XXXX ) contacted us again and informed us they were waiting on the paper work from Chase to process the claim. We contacted Chase again by phone and spoke to one of there agents on that day and they said they did not have our paper work for the claim even though we had done at at one of  there branches, after a bit of time they did find the missing information. We received a letter from the the USPS Inspection Service ( XXXX XXXX - XXXX ) dated XX/XX/XXXX informing us they we may have been a victim of Mail/Wire Fraud. On XXXX we called Chase to follow up on our claim and after speaking ti a custumor serve manager they informed us that they had done nothing to date, and were waiting to hear from XXXX XXXX even though we had given then XXXX 's number on XX/XX/XXXX. It is our understanding that Chase has 90 days to resolve the claim but is running out the clock on this so not to have to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have received letters stating that I owe on a vehicle that is not in my possession. I reported the car stolen over a year ago. I contacted the car lot where I got the car. The car was my son 's car. He is incarcerated. They are trying to take me to court plus make me pay fees. I am not liable for this vehicle.

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 2022-12-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The Account I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on the account is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX Balance : {$7900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX Re : Ocwen Loan Servicing, LLC Loan Number : XXXX To whom it may concern, I would like to file a complain regarding Ocwen Loan Servicing Escrow department. On XX/XX/XXXX I receive an Annual Escrow Account Disclosure Statement, upon reviewing the statement it indicated that according to their projection for the coming year, the expected escrow balance is {$1000.00}, making the escrow balance deficiency {$0.00} and based on the expected balance deficiency of {$0.00} and the minimum required balance/Cushing of {$640.00}, an additional {$250.00} is needed for the escrow balance. 

A coupon was sent in the package for me to send the additional {$250.00}, therefore on XX/XX/XXXX I mailed the additional money via priority postage with a tracking number which was sent to Ocwen Loan Servicing Dallas Texas office location. 

On XX/XX/XXXX I notice that the check was not process as yet and I decided to track the letter I sent with the check and it stated that the letter arrived on XX/XX/XXXX. However, I called Ocwen Loan Servicing to inquire about the additional funds that is needed for my escrow account ; I spoke with XXXX at Ex XXXX and was told upon further research he did not see where the funds were process to the escrow account but should give him 24 to 48 hours get to the bottom of whats going on. I did not hear back from XXXX in time so, I called him and left him a message regarding my escrow account. 

I decided to call back Ocwen once again and was transfer over to XXXX at Ex XXXX after explain to her what is going on, she did some checking and did not see any new updates no my account and ask me to give her chance to get to find out what is going on and why the payment has not process as yet and to further give her until XX/XX/XXXX to get back to me. 

I have not heard back from Ocwen regarding this very important matter and it make me nervous about the situation and have me wondering if some nefarious afoot, I am sorry but I cant help myself for thinking that way about the entire situation. 

Hence, as of XX/XX/XXXX I have check my bank and the funds is still in my checking account and has not been process by Ocwen Loan Surviving as yet. So, I decide to file this complaint against Ocwen. 

Thank you for your attention toward this very important matter and I truly appreciate your help. 



Sincerely, XXXX XXXX PS : Attachment 1 tracking # XXXX USPS Attachment 2 Ocwen documents.

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

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account number XXXX, XXXX BANK Account XXXX XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX  Account XXXX XXXX, XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX, XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXXXXXX Account number XXXX, XXXX ACCOUNTS Account XXXX XXXX, XXXX XXXX XXXXXXXX Account number XXXX, XXXX, XXXX Account number XXXX, XXXX XXXX Account number XXXX, has violated my rights as follows 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 which I have NOT provided. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
The car this loan was for was totaled. My insurer paid Ally Financial the value of the car and my gap insurance covered the remaining balance. Ally Financial is reporting the balance of the loan : XXXX {$15000.00}, XXXX {$320.00}, and XXXX {$320.00}. 

The car was involved in an accident on XX/XX/XXXX. XXXX XXXX was notified of the accident on XX/XX/XXXX. I have repeatedly tried to work with them to ensure they were aware of what was going on with the car. They have not been willing to work with me to resolve any of the issues I've had as a result of the accident. 

They have listed my payment as 30 days late in XX/XX/XXXX and XX/XX/XXXX. The loan was paid off in the amount of {$14000.00} on XX/XX/XXXX. However, according to the XX/XX/XXXX statement they state that I owe {$14000.00}. None of their records make any sense. They should no longer be negatively affecting my credit score.

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 2017-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX I have multiple inquiries from this company showing up on my credit report from the days listed below. I did not authorize these inquiries. Transunion has sent out letters on my behalf to request removal on two occasions. I am a victim of identity theft and I need these inquiries removed as it is messing up my credit worthiness.

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 2023-11-14
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is my ANOTHER endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2021-08-23
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: Credit inquiries on your report that you don't recognize

Complaint:
There are multiple inquiries on my Credit Report I do not recognize

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 2022-07-05
Company: BANK OF THE WEST
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have a boat loan with Bank of the West. I sold the boat, I verified with Bank of the West the wire transfer process on XX/XX/22. The buyer wired money on XX/XX/22 from XXXXXXXX XXXX  in Tennessee, I have the wire transfer receipt from that. On XX/XX/22 I called Bank of the West to verify why the money had not shown up, I was told it could take a couple days. On XX/XX/22, the money has still not shown up, I called and was told it would be processed by XX/XX/22. As of today, the money is still " missing '' and I can not get anyone at Bank of the West to help. I have spend over an hour on the phone, Ive provided the required information on several occasions and can not make progress. The interest on the loan amounts to about $ XXXX so they are also slowly charging me more and more money due to them not paying off my loan AND sending me the money above what I owe.

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 2022-12-29
Company: EQUIFAX, INC.
State: PA
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'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$4700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Adler Wallach & Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXXXXXX XXXX ) sent a " debt '' that I supposedly had been delinquent with since XXXX to AWA Collections. I was not aware that this was happening being I had moved and my phone number changed. In addition I had stopped paying for the service in XXXX and assumed the account was closed. Since XXXX, I had not seen or heard about a delinquent debt with this company XXXX, it was never reported as a delinquent account and they continued to bill me annually for the next XXXX years, even though they did not have communication with me. I recently went through a security clearance investigation and during that process, the XXXX in formed me of a collections on my credit report from AWA Collections, reported XXXX. I filed bankruptcy in XXXX and did not see any need to check my credit report recently because I haven't applied for any credit since the bankruptcy. If I would have known about the delinquent payment, I would have corrected it and stopped billing years ago and/or included it in my bankruptcy. I have not received any communication from AWA Collections regarding this debt since their reported it and only became aware of it during my security clearance investigation. I contacted AWA Collections and they told me the debt came from XXXX. I contacted XXXX and requested documentation of the contract and payment history and they have not responded. I do not feel like any of this is fair, nor do I feel like I should pay for a service I am not using, especially after 5 years of delinquency. The number to XXXX is ( XXXX ) XXXX, address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The amount the sent to collections is {$650.00}, XX/XX/XXXX. The collection agency reporting this collection is AWA COLLECTIONS, phone number ( XXXX ) XXXX, address po box XXXX XXXX, CA XXXX. I have not heard from either company regarding this debt, I have not received a response for the documents I asked for from XXXX and I submitted disputes to all three credit reporting agencies for this collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-15
Company: Experian Information Solutions Inc.
State: GA
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:
Incorrect information on my report, information belongs to someone else. 

XXXX XXXX opened XXXX XXXX, XXXX XXXX XXXX opened XXXX XXXX, XXXX XXXX XXXX opened 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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being

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 2022-07-05
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:
XXXX payment history is reporting inconsistently. 

XX/XX/2018 XXXX says 'ok ' XX/XX/2018 Equifax says late XXXX ' XX/XX/2018 XXXX says XXXX ' XX/XX/2018 Equifax says late XXXX ' XX/XX/2018 XXXX says late XXXX ' XX/XX/2018 XXXX says late XXXX '

Company response to consumer: Closed with explanation