BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX XXXX  Account Number XXXX XXXX ; XXXX  XXXX XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX ( XXXX  Account Number : XXXX ; XXXX XXXX  XXXX XXXX Account Number : 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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am submitting this Complaint in response to the Credit Bureaus ' recent evaluation. I would like to continue my efforts in resolving the matters concerning my personal credit report, as they require my full attention. I am frustrated and believe that there are still errors present on my credit report, which have not been clearly addressed in terms of their accuracy and completeness of information. The account XXXX account number XXXX and Balance : {$0.00} I previously requested that the Credit Bureaus conduct an investigation on this account and provide me with the results, but I have not received any response or information from the Credit Bureaus. I have previously informed the Credit Bureaus about the inaccuracies in the payment history associated with this account and asked for them to be corrected. However, it has been 30 days since then, and the reported information remains incorrect and invalid. I have not received any copies of the investigation results from the Credit Bureaus, and yet the Credit Bureaus persist in reporting erroneous information. In accordance with the Fair Credit Reporting Act, I demand that the Credit Bureaus promptly rectify the payment history on this 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 non-monetary relief
Consumer complaint received 2018-03-21
Company: LoanCare, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I was contacted by my insurance company ( XXXX XXXX, XXXX XXXX XXXX office in Charleston, SC ) regarding a failure of payment from my escrow account with my mortgage servicer, Loancare. Loancare did not make the payee line out correctly, so the check was not able to be deposited/cached by the insurance agency. They covered the insurance cost for me but still needed payment for it.

Both the insurance agent, XXXX XXXX, and I contacted Loancare *repeatedly* over the course of the next year to absolutely no avail or response. They do not respond to email at all. Finally in XX/XX/XXXX XXXX managed to get the right check cut to their agency and I thought the matter was resolved, however unprofessional it was handled.

Well now I have an erroneous negative balance in my escrow account because rather than just fix the check, Loancare claims they refunded me the " excess '' that was in the escrow account. I NEVER received this check. According to them, they sent it in early XX/XX/XXXX. I would remember an unexpected $ 1500+ check. I never saw it.

So now they have taken payment for XX/XX/XXXX's insurance amount as well as XX/XX/XXXX 's from my account, meaning that I've been charged for the XX/XX/XXXX insurance TWICE.

I called and spoke with an agent at their company, and despite the easy conversation we had where the agent saw the issue and promised he'd get his supervisor to correct it, I still have not seen any correction, nor will they respond to my messages once again. This discrepancy in my escrow account has caused my payment to increase by around {$100.00} a month, but I absolutely do not owe them this extra money.

Where did my money go, and why will they not fix this? This has been going on for a year and a half or more now.

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 2019-04-02
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have agreed to settle my XXXX XXXX debt for a single payment of {$1000.00}. I have documentation supporting a single-payment transaction. Midland Credit Management debited my account twice for {$1000.00}, leaving my balance at only {$89.00}. I contacted MCM on Sunday,XX/XX/2019 and a supervisor advised me that they were experiencing a glitch in the system. He assured me that the funds would be returned to me in 48-72 business hours. The supervisor stated that I can call the following business day to confirm when the funds would be returned. I called MCM again on XX/XX/2019 to advise them that both transactions officially cleared from my bank account and I still have not received a refund. I then spoke to a new supervisor who advised me that they are trying to fix the issue and it can take up to 30 business days. I informed the new supervisor that this was not the information I was given two days ago. He just apologized and said that there was nothing he can do. I requested to speak to a manager. I waited on hold for 15 minutes to be told that they would look into it. I agreed to a single-payment of {$1000.00} and was ripped off an additional {$1000.00} with no guarantee that the funds would be returned. I am currently XXXX weeks along in a high-risk XXXX on bed rest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: MA
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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$490.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$660.00} XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

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 2019-09-18
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 status incorrect

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ACCOUNTS ATTACHED TO THIS COMPLAINT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS FOR I HAVE HOLD AN EXCELLENT MEMBERSHIP STATUS.

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 2023-06-21
Company: LEXISNEXIS
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: 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.

The letters are stated with items and issues.

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 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 seven 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 non-monetary relief
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2022-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX I was having consistence Health Issues, which, as a result my Account ended up in Collection, After I got myself together in XXXX I decided to resolve the problem with the Credit Company. 
I pick up my phone and call them and trying to come up with a solution to work with The Debt was Originally {$890.00} We come up with a Settlement Agreement that I will Pay {$500.00} to get the Account Removed from my Credit Reports, and as agree I make the payment of {$500.00} on XX/XX/XXXX But then I got a call back on XX/XX/XXXX saying that their was a mistake on the process and the only way to get the Account Removed is by paying the full Amounts Debt After I listen to what they have to say Then I go ahead and pay the Remaining Balance which is {$390.00} on XX/XX/XXXX After waiting Two ( 2 ) Months for the result and what I got was an Update Report Since then I been treating Unfairly for Two ( 2 ) Consecutive Years. 

I call the Company Constantly to Resolve the Issue, sometime they hang up on me and when I do get somebody on the line they treating me like I am some kind of Villain I feel like I'm being Discriminate by them All I ask from them is that they do their part and Remove the Account on my Credit Reports and not take advantage of me.

I am getting hurt, my Credit Score is hurting because of that Account I can't get Approve for a Good  Credit Card, I can't get any Financial Aid because when a lender look at my Credit Profile they said I have a Delinquent Account on my Credit File.

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 2022-05-31
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On XX/XX/2022. While I was on Chase credit cards website trying to log in to set up or update my security features. I have 3 email come through at same time stated that there was a new inquiry. And the inquiry stars from Jpmcb. I was not trying to acess any records at that time. I immediately looked to who I should contact but the office is currently closed. And I also reached out to the branch of company on XXXX about. Which she couldnt do anything. So. Now I have another inquiry as i am trying to clear it up. So please reach out to them as I will tomorrow. Thank you so much. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-02
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent charges to my credit file. As a result, I disputed this identity fraud with this company on XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. But until now, as I am writing to you, this company is still reporting these fraudulent accounts contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. 

For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. Please REMOVE this fraudulent information from my credit report, as per 605B of the Fair Credit Reporting Act : XXXX XXXX XXXX ACC # XXXX, Date Opened XX/XX/, Balance {$1300.00}, Original Creditor XXXX XXXX XXXX XXXX I am attaching the dispute letter/documents I sent to this company on the XXXX and my small claims form, in case they need to reference or review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: PA
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$20000.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$64000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$820.00} ; XXXX XXXX XXXX XXXX Owed : {$14000.00}; XXXX XXXX XXXX Balance Owed : {$10000.00}

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 explanation
Consumer complaint received 2018-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 overpaid XXXX XXXX XXXX {$4500.00} by making duplicate payments on my credit card balance in XX/XX/XXXX and I'm having difficulty getting my money back from them. On XX/XX/XXXX, per my statements, Capital One supposedly issued me a credit balance refund in the above amount. I was very patient but after never receiving the check several weeks later, I called customer service. They reviewed my account and confirmed the check had not been cashed. They told me another check would be issued and mailed to me at my confirmed mailing address. I waited 2 more weeks and called back on XX/XX/XXXX. I was told it took them 15 working days (!!! ) to send me the reissued check. When I pressed them as to whether they had actually mailed it, I was told I should have it in my mail by Monday XX/XX/XXXX. It did not arrive and still has not arrived. Each time I call them it takes 30 minutes of my valuable time. I want to close my account and not do business with them, but I'm afraid to until I get my refund..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-22
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with Loan Care loan servicing regarding my past due and default payments because of XXXX. They referred me to Texas assistance program for help which I did and qualified for assistance .Loan Care gave THAF . The AMOUNT of funds needed to bring me out of default, and also secured my following three payments for XXXX XXXX and XX/XX/2023. My first payment was to begin again on XX/XX/2023. I just received a default letter from Loan Care stating that they had not received payments For XXXX and XXXX I have called them so many times and had Conversations regarding this very issue. I was assured that THAF was making the XXXX XXXX and XXXX payments. I called THAF and they told me TODAY that the outstanding XXXX and XXXX payments are sitting in an a approval pause portal AT LOANCARE!!!!! Loan Care has not confirmed the payment amount sitting in their own portal of communication.!!!! I am furious, and want to file a formal complaint and lawsuit for their negligence!!! I told them today to check their portal and approve the payments that are literally pending for them!! this process has cost me so much mentally and emotionally and financially I would like to sue them for harassment and negligence AND also this very day I got a certified letter in the mail that I was in default and asking to call to schedule some kind of person to come out and do INSPECTIONS & estimates on my property??? IN CASE of default????? XXXX!!!!! I will sue them and be on the news about this if that happens GUARANTEED.!! I want my loan servicer removed. I do not want to do business with Loan Care anymore. I have absolutely no trust in how they do business and I demand to be transferred to another loan servicing entity for the remainder of this FHA loan. 
thank you 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