BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-30
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This occurred during a phone call when i responded to MY CURRENT mortgage company when they emailed me about refinancing. i was speaking to a very smooth talking man named XXXX XXXX with XXXX XXXX. i was asking him about a refinance and i asked many questions. This took place on XX/XX/2021 at approximately XXXX or so. He was very supportive and encouraging about me doing the refinance with newrez because my mortgage was already with t hem -- - he also degraded my current bank where i was talking to them about a HELOC, and he was telling me they were just trying to charge me more and get more interest etc. I specifically asked him if i would need an appraisal to get the re-fi and he gracefully dodged that question and said things like, probably not, but maybe etc. i also specifically asked about if i would have to pay for the appraisal and he dodged and twisted his answer to make me believe that it would be added on to the loan at the end only if i needed an appraisal. so i spend 45 minutes giving him personal information and signing things and allowing t hem to tag my credit- actually they had already dinged my credit BEFORE i signed anything. but all of this happened and he was so smooth and nice and saying everything was great and i could even get more money out of my equity etc. then after all this time and after i had turned over so much private information and signed papers he said he needed my credit card info to charge XXXX dollars for an appraisal.????? i had been clear about asking questions regarding this and he had said maybe i won't need it but if i do it could be added to the loan at the end. So he tricked me somehow and then he was rude when i called him on it, then he started talking fast and over me and saying, it is all recorded i told you this -- but i know for sure he tricked me or used deceptive language, because i was asking this from the beginning. i would NEVER have answered any questions if he would have said, if they say we need an appraisal you will need to put it on a charge card in order to process the loan -- he never said any such thing at all. They are using very deceptive practices and get all this time and energy and personal info and pull credit and then at the end say that they need your credit card.

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 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is my third endeavor to tell you 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 XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : 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 explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
On this account XXXX XXXX XXXXXXXX there To Whom It May Concern, First off, I would like to take this opportunity to thank you for the excellent service I have experienced as a consumer. I have been a very loyal consumer, and I am in need of your assistance. I am writing in regard to the above-referenced account and transactions. Somehow, someone illegally obtained my credit card information, thus delay in payment was caused by fraud. I always try my best to pay your company in time, but this time my payment was late by I am sincerely sorry for the delay in payment, and I apologize for any inconvenience or frustration this caused you. While I take full responsibility for my mistake, I would like to assure you that this was a last- time error on my part, and I ensure that this does not happen again. I would really appreciate if you would kindly understand my situation and excuse me for late payments ). I am asking your company for a goodwill request, please eliminate late payments ) with the credit bureau ( s ) by filling out Universal Data Form and faxing it to the credit bureau ( s ) that you report to.

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 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2023-07-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells Fargo denied Claim XXXX and reversed provisional credit. The is ridiculous. as the Merchant did not render the service! I want my money back pronto. I will not stop until it is returned. My bank won't even protect its customers. This is sad.

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 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is an update on previous disputes. I have put these companies on notice several times about mentioned accounts. I uploaded all the information. No one has provided me with the documentary evidence that I owe on these alleged accounts and they also have not provided me with the proof of authority. I have all exhibits and the issue has not been solved. I have asked for documentary evidence and the original instrument of indebtedness. The freedom of information act gives me the right to this information. I did not ask for a photo copy of anything. I am also not able to pull my XXXX credit report at all off any website. It states that information is not available and it has been saying that for 2 months. 

THIS IS NOT A DUPLICATE

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 2020-06-10
Company: Midwest Service Bureau, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Yesterday XX/XX/XXXX a woman called my husband 's phone I answered as he was driving she gave her name did not say what company she was with did not give XXXX XXXX until I asked if she was going to she said this is owed being XXXX  XXXX XXXX she never verified my id by dob or ss # or my husband said she need my bank information for XXXX I declined to give info. She said we will take legal action if you do not give it to me I advised to call me on XX/XX/XXXX at XXXX. No call was received she violated fdpca rules times 3. I called in asked to speak to a supervisor was places on hold no one got on line I called at XXXX XX/XX/XXXX after find out they called my husband XXXX XXXX at XXXX  and threatened legal action again. XXXX the supervisor told me he revised tape and nothing was violated. I advised I will be make a report on the company and seeking council. Due to covod19 and off of work they should be more compassion towards debtors but they are not I want to file complaint against this company. Which they will not give there name. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not been notified of the debt in writing at any point. I initially noticed the debt when it appeared on my credit in XX/XX/2016. The collection agarncy stayed that it was for emergency room services that I received. I disputed with the collection agency and gave my insurance information as my insurance has paid out all my bills and I have not owed any balance. The collection reappeared on my credit. I did not receive any information regarding the status of the dispute or any other communication. Ive contacted the ocollection agaency and they were rude and could not help me. I told them that this could not be for a visit from me and I believe t was for my son. They said that this was a bill for me being serviced and not my son. Ive sent debt validation letters with no change. Ive contacted he emergency room and hey have no open bills for me. Ive contacted the original debitor XXXX XXXX XXXX and they confirmed that this was a bill for my son. They said they requested information from the client and if that was true they would remove it from my credit If the correct information would have been given to the collection agency this could have been resolved as me and my son have separate insurance information. I asked could they give this information to they collection agency and they gave me the run around and told me to call the emergency room and fax those record to the collection agency. I then called the collection agency to get them this documentation and they refused iy saying that the client XXXX XXXX XXXX   needed to contact them and they could not accept any supporting documents from me. The collection agaency is receivable management p in XXXX Michigan. They would not let me speak to a manager and was beyond rude. I called XXXX XXXX XXXX to let them know what I was dealing with and that I am trying to resolve the debt. If the collection agaency had given me the correct information this could have been settled. They would not help or transfer me to a manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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. 

XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX, XXXX # XXXX : XXXX XXXXXXXX # XXXX, XXXX  # XXXX, XXXX XXXX XXXX xxxx # # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # 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 an account without my written instructions 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2022-05-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
CFPB Write up XXXX 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 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 2023-10-29
Company: JPMORGAN CHASE & CO.
State: TX
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 have reached out to XXXX in regards to an account listed on my credit report requesting validation that this debt is in fact mine as I am a victim of identity theft and don't recognize the debt nor did I do business with the company. The company is JPMCB - CARD SERVICE with XXXX. XXXX claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to XXXX seeking proof of this debt : XXXX XX/XX/2023, XX/XX/2023, XX/XX/2023, XXXX and XX/XX/2023. XXXX continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. The account number is XXXX with a balance of {$1200.00}. 


15 u.s code 1681 a ( 2b ) The information that is on my credit report is inaccurate and I did not give any permission to any agency to report anything on my credit file.18 u.s code states anyone who is knowingly producing an identification, or false documentation to defraud as in result this is identity theft.18 u.s code 1028 ( a ) and I have no Knowledge of the alleged debt and no knowledge of the collection accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
During the summer of XXXX, I noticed that my Equifax credit report was not changing as my spouse 's file whom I share the same creditors. So I viewed my report and noticed that none of my accounts had been updated in contrast to those of XXXX and XXXX. I looked back a year when my last Equifax update occurred. 

So I contacted Equifax and they took all the necessary steps to prove my identity. After I assured them, they were satisfied to answer my questions in which they said that nothing was wrong with my report and they would send me a paper copy in the mail, and when I get the paper copy, to call them back, and they will update my credit report. So, I did... 

The update didn't come but I remained patient figuring they will get it right sooner or later, but that day never came. 

XX/XX/2022 I was applying for home loans. Still, when I go on XXXX XXXX, my Equifax report was still the same. So I just apply for mortgage loans anyway. Then the loan companies were telling me that they couldn't get my Equifax credit report at all, as if it were a credit lock on it. So I call Equifax again and they took me through the same questionnaire and wanted to send me another paper copy before they would update my report and I wasn't going for that this time. 

I told them that I see no need for them to send me a paper copy to prove who I am for them to report the information that creditors send to the bureau. It's their responsibility to do so. 

So, they refused to do so and I filed a complaint with the XXXX. Equifax kept answering my complaint as if they never even read it or viewed the attachments, but had an already prepared template that kept repeating the same nonsense, about how credit bureaus work. The XXXX  didn't do much and closed my case because they couldn't get Equifax to comply with a simple demand. 

So, that's why I'm contacting this bureau. The XXXX arrogance of Equifax representatives is leaving me to be turned down for financial services because creditors are unable to retrieve my Equifax file. If left up to Equifax this issue may never be resolved, and I could be in financial hardship because of this. Now, I'm starting to feel something illegal or unethical could be going on with my credit file at Equifax and they are being allowed to keep me in financial distress. 

I only want them to update my credit file and make it accessible to creditors, but if I'm to experience even more damage from their incompetence I will be pursuing for recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I tried to request an ADA Title III accommodation. In response, the person at Capital One whom I was speaking to hung up on me. Capital One has no mechanism to respond to ADA Title III requests for accommodation. I requested the accommodation of being able to speak to a representatives supervisor. Without demonstrating my request to be a fundamental alteration, undue burden, or threat to others, my request was denied or ignored. I was then hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: GA
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2022-05-15
Company: Experian Information Solutions Inc.
State: AL
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:
Multiple unrecognizable inquiries on my account some were even applied for on the same day this list includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Other unrecognizable inquiries I have are : 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 2020-06-11
Company: Experian Information Solutions 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:
I sent a FACTUAL dispute of my credit report ( first attachment ) to Experian. This WAS NOT done by a credit repair organization. Experian failed to reasonably investigate this dispute per FCRA requirements. If they did, these inaccurate accounts would've been deleted from my credit report. Scanning a dispute letter through their e-Oscar system does NOT qualify as a reasonable investigation. The dispute results Experian gave me will be the second attachment.

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