BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-27
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:
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 to comply 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 to give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned about : 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 2019-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
I have been trying to resolve a discrepancy on the Transunion credit reporting. It is beyond frustrating. 

Transunion is saying ( XX/XX/19 ) my XXXX XXXX account was/is 30 days past due and open, It is NOT. The account is CLOSED and paid IN FULL. I have confirmed with XXXX they never reported anything as late or derogatory, and the account is in good standing and closed. I have NEVER missed a payment on ANYTHING in my LIFE. I have been a XXXX credit score for years, and 1 improper, not correct derogatory remark has dropped me to a XXXX at a very important time in my life where i'm trying to become a police officer and they are conducting a background investigation. This could potentially cost me my job. 

I have mailed my supporting documents ( XX/XX/19 ) to Transunion and XXXX will provide anything additional I need. They are requesting everything from XXXX XXXX, to XXXX XXXX and XXXX XXXX. They also have no way to expedite or have this issue solved immediately AS IT SHOULD BE. How transunion is a business that is operational and a trusted source for anything is beyond me. 

This false incorrect issue should be RESOLVED IMMEDIATELY and it it looks like its going to take weeks.

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be REMOVED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: BARCLAYS BANK DELAWARE
State: TX
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:
I have contacted XXXX on many diffrent occasions and nothing has been done about the fraudulent inquires that are on my credit reports I have sent them detailed information such as police reports, FTC reports and nothing has been done the Inquires need to be removed due to the I have disputed these inquiries as lacking permissible purpose and being unverified, yet you have failed to respond within the 30 day period allowed under the FCRA. As I have previously stated, I contacted the companies myself and have been unable to get them to verify that they possess any evidence of permissible purpose or authorization to check my credit these inquest need to be removed as they are fraudulent inquires [ 15 U.S.C. 1681 ] these need to be blocked from my credit 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 explanation
Consumer complaint received 2022-10-17
Company: Exeter Finance Corp.
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:
i have this on my XXXX report that i requested a inquire but i was in a XXXX  and its not mine i have never applied for credit with this company and need this inquire to be removed ASAP its effecting my report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
IN XXXX my husband and I got a secured loan through XXXX XXXX XXXX that had four properties as collateral for this loan ( XXXX ). This mortgage was bought by Ocwen who we continued to pay for until XX/XX/XXXX when we paid off the loan in full. We never missed a payment, always paid on time, and paid all owed taxes in escrow as they asked. We PAID OFF this 16 % loan in FULL on XX/XX/XXXX. Recently, we are selling three of these properties ( XXXX XXXX XXXX XXXX, PA, XXXX XXXX XXXX XXXX, PA and XXXX XXXX XXXX ( XXXX XXXX, PA ). We have found that OCWEN FAILED to file satisfaction for any of these properties. We have a closing scheduled for within a week ; only to find that we can not close because Ocwen ( even though they have had a YEAR to file these MANDATED PAPERS ) has FAILED to CLOSE PROPERLY by not filling these satisfaction papers in either XXXX XXXX, PA ( where XXXX and XXXX are located ) or in XXXX XXXX, PA ( where XXXX XXXX XXXX is located ). My husband is having XXXX XXXX XXXX that we need these monies for and can not complete the closing because Ocwen ( even with NUMEROUS calls ) refuses to do. Infact even after getting TWO attorneies involved OCWEN refuses ( even though I granted permission for them to talk to these attorneies ) to return numerous attempts at resolving this issue. My understanding is that these satisfaction fomrs should have been filed in the appropriate county office within 90 days. It has been a YEAR ( 365 days ) and they are  still not filed. In addition, Ocwen is asking ME and my Attorney for information on my account ( claiming they can not find my loan information ). We have faxed, called, and tried to get this information to them ; with no response and no immediate action. We may very well lose these sales due to their not doing what is MANDATED for them to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This Account have violated my rights According to FCRA ; XXXX XXXX XXXX XXXX XXXX According to the IRS, canceled debt ( CHARGEOFF ) is defined as gross or ordinary income. Income does not get reported to your consumer report.

15 U.S.C. Sec. 1681e ( b ) for a consumer reporting agency ( CRA ) to " assure maximun POSSIBLE ACCURACY " in it's credit reports, and ( 2 ) in 15 U.S.C. Sec 1681i ( a ) for a CRA to " conduct a reasonable reinvestigation to determine whether [ information disputed by the consumer ] is accurate. '' Spokeo v. Robins, 2016 WL 2842447, 578 U S.- ( XXXX XXXX XXXX  ). 
Also according to 15 U.S.C. 1681a ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the term " consumer report " does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; I do recognize how this account is reporting on my credit reports. I don't recognize the account numbers. I don't recognize the account status.

Everything reported here does not meet the FRCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
In XX/XX/2019 I requested Santander Bank to close my account. I was informed that my account will be closed shortly. Unfortunately, it recently became clear to me that Santander did not close the account until the account went negative by over {$1100.00}. And the entire negative balance is almost exclusively late fees and interest rate and overdraft fees that never would have incurred if Santander had closed the account as they promised to do. 

For years since this, I have been unable to get a checking account anywhere in the United States and it has affected by economic mobility.

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 2015-04-07
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
R S CLARK COLLECTION AGENCY put a negative item on my credit. I had insurance. This agency did not contact me before putting anything on my credit. R S Clark is not bonded to collect in the STATE OF TEXAS. I sent them a validation request. They never did validate the account, but they continue to report this inaccurate information on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: JPMORGAN CHASE & CO.
State: AZ
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:
On or about XX/XX/XXXX I paid XXXX XXXX XXXX {$7200.00} as payment for work on my home, in XXXX I had paid them {$13000.00} as a deposit. Since that time I have found numerous deficencies in the work 2.5 bathrroms tile and not been sealed and caulk was cracking and falling out, new floors had paint on them, paint was not completed or poor quality, paint dumped in side yard. They installed a new tub that was cracked in two places any many others.They have been here 4 times to fix problems but have not fixed any of them. They have no interest in making it right because they have been paid in full. In XXXX I filed a dispute with my credit card Chase. A month later I called to see what the status was ... they had closed the dispute, without contacting me for any further info. I have 62 emails and photos between myself and XXXX XXXX detailing the issues, in one he agrees all these items need to be repaired. On XX/XX/XXXX I again attempted to file a dispute and called them to ask what info they needed. They said at this time they did not want the correspondence or photos, I mailed them anyway.. On XX/XX/XXXX, they sent a letter saying they would contact me if they needed anything else. On XX/XX/XXXX, I again called Chase claim ID XXXX and was told the merchant had not replied and after 2 billing cycles without an answer from XXXX XXXX we would receive a credit, They did not contact me. On XXXX XXXX, I called Chase and was told the dispute had been closed. I was advised that they needed more info from me. I have had no phone calls and one letter letting me know they had received my dispute and would be contacted if they needed more info. They have not contacted me in writing or telephone and both times closed the dispute without asking for any further info.My husband and I both have cell phones and a landline with voicemail.If any documentation is required I will send 62 emails between XXXX and Myself. I have now lost the 60 day window to dispute the initial XXXX with my bank ( XXXX XXXX XXXX paid as a deposit to XXXX XXXX, because Chase has not made any attempts to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-17
Company: Ascension Point Recovery Services, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ascension Point Recovery ( APR ) is a group of individuals who seemingly browse through obituaries and attempt to contact the next of kin for the recently deceased. My Mother passed away weeks ago and we received a phone call from Ascension Point Recovery business attempting to get MY MOM 'S personal information by calling and asking questions about her. We received a phone call from XXXX XXXX XXXX XXXX who was looking for the person in charge of executing my Mom 's will. I called my family to ask about the situation and quickly realized it was a fraudulent call and the person was out for personal information. When we called APR back, we were greeted by a very generic and low quality answering service, and eventually, a woman answered the phone. She informed us that XXXX XXXX was not available but ANY of the associates could help because " they ALL were aware of what was going on ''. After a few questions, the woman ACTUALLY STARTED ASKING US QUESTIONS ABOUT MY MOM 'S DEATH. They asked when it happened and how and who was executing the will. Obviously we didn't disclose any of this information, but ultimately she asked if we were aware that there was a possible debt remaining that had to be paid. These people are targeting elderly men and women and attempting to convince them to give the company money to " resolve past debts ''. There are countless stories on XXXX that suggest this company has been terrorizing people for years. On their official website, Ascension Point Recovery only provides one option under the " CONTACT '' tab and that is a " RESOLVE A COMPLAINT '' form. That in itself lends to the illegitimate nature of the company. Not only is this one of the sickest and saddest forms of underhanded exploitation, but it is compounded by the fact that the people being contacted have just lost a loved one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: Bepensa Capital, Inc.
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX, I financed a car with AFC Acceptance LLC, aka Credito Real located in XXXX XXXX Florida. The amount financed, after me paying a {$3000.00} down payment, was around {$18000.00}. From the start of my loan, I have made XXXX payments. XXXX of the payments were double payments. There was also XXXX hardship deferments. The amount that I paid on my loan was {$18000.00} On XX/XX/XXXX, I contacted Credito Real to make a settlement and close out my loan. In my request, I offered a lump sum amount to pay and asked for a copy of my file to show my payments and what the balance due was on the account. Credito Real did not meet that request. Instead they emailed me to tell me to make a payment to bring the payment into right standing. I conta XXXX them XXXX more times regarding this via email. Each time, I received the same response. 

On the evening of XX/XX/XXXX, I called the Escalations and Recovery department. The representative told me that my balance due on the account is {$18000.00}. There is a huge discrepancy in my calculations of what I owe and what the remaining balance is showing with Credito Real. I believe the company has overcharged me and has added in extra interest, in addition to not entering in my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
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: Personal information incorrect

Complaint:
The Three credit companies are reporting inaccurate infomation on my credit report. I sent this letter to all three competes and the onlt remove one or two name that is showing on the report. I would like all name that is not my name to be removed. They are also remorting address that i never lived at. I have never used these names and address that is being reported. Please see the letter below with the correct information. To whom this may concern, I recently retrieved my credit report. I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows This is my legal name XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX CA XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my bank statement, utility bill, ID for your verification Thank you for your assistance. Sincerely. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
UNITED REVENUE CORP a debt collector for XXXX  XXXX XXXX is reporting a debt on my credit that I do not owe. The reporting of this debt is a violation of the FCRA and FDCP act

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: ERC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have spoken to T-Mobile and 3 different collection companies regarding a bill that was use without my knowledge from my ex-husband. T-Mobile has dropped and went to several collections ' companies regarding this matter. Phone calls are documented within the company that have proven this account was Soley used without my knowledge. This burden has not only been stressful, but it is causing me to be in a situation where I will not be able to purchase my home which could cause me and my children to be homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Today, I tried to transfer my money earned on an online website through XXXX like I always do. The funds kept getting sent back to XXXX. I then tried to get a small online advance ( again, I do this all the time through an app called XXXX ). I got a message from XXXX that there is an issue with my bank, and I need to contact them. I called my bank, Wells Fargo, and was told that I had at least a 45-minute wait to speak to someone! Upon opening my computer and investigating, Wells Fargo has a coy message in the color blue " We've converted your checking account to another checking account. See your statement for details ''. I opened my online statement and found nothing to indicate that my checking account had been converted to any other account. I called back Wells Fargo, this time trying to get to their fraud department for an explanation. I received this message " Due to technical difficulties we are experiencing longer than normal wait times ''. I left my telephone number for a callback. I received an automated callback from Wells Fargo again informing me of an indefinite wait time to speak to someone. This is completely unacceptable. Throughout my years as a Wells Fargo customer, this bank has seemed to face repeated issues, both consumer-related and legal. I am so tired of having my life turned upside down by this bank! There is never any accountability from Wells Fargo when I reach out to them. I can not receive money into my account, I can not even communicate with Wells Fargo, and apparently, my checking account has been " converted '' without my knowledge, which I believe is the reason for the sudden problems with my checking account!

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 2023-11-13
Company: FIRST PORTFOLIO SERVICING INC
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX a charge for {$110.00} came through my XXXX XXXX checking account from a merchant ID XXXXXXXX. I did not authorize this charge and I learned it came through as an ACH withdrawal. 
I disputed the charge on XXXX : dispute ID XXXX for account ending in XXXX. 
The dispute was resolved in my favor with the money being returned to my account. 
To ensure that no future authorizations would occur I contacted the company asking to speak with their fraud department. My customer service agent would not transfer me or escalate the complaint I was bringing for the reason that I do not have an account with the company ... and yet they have the account information for my bank. I am not a customer of this merchant yet they have the ability to withdraw money fraudulently from my checking account. They would not comply with my request that any authorizations be revoked.

Company response to consumer: Closed with explanation