BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-26
Company: Fay Servicing, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I am using the online portal to make a payment, and I always get an RED ALERT ERROR. Says I must call in. Well that is simply ridiculous. This servicing company does everything it can to be difficult. I have been trying to pay this payment since XX/XX/XXXX. I have called and asked what the issue was. They did not know. The servicer then calls and asks why I have not paid. I tell them their system will not allow it. The servicer REFUSES to update my mailing address. While I still can get mail at my former address as it is a private mailbox, I want to discontinue the service and can not until this servicer will do what it LEGALLY should do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Resurgent Capital Services L.P.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This belonged to a ex spouse and the wont delete. 

XXXX XXXX XXXX XXXX This company continues to abuse the system. The accounts on my credit with them arent mine and they constantly keep refreshing things on my credit. 

LVNV funding llc This company continues to abuse the system. The accounts on my credit with them arent mine and they constantly keep refreshing things on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I have sent many letters with no response. Attached is the letter showing all of the accounts that need to be verified with the creditors. 

Please verify the account type, account status, date filed/reported, reference number, closing date, asset amount, court, liability, and exempt amount. They appear to be incorrect. 

I also have a bankruptcy on my credit report that needs to be verified completely and accurately.

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 2021-02-03
Company: WELLS FARGO & COMPANY
State: VA
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  was correctly reporting a 30 day late for XX/XX/XXXX from Wells Fargo and today they changed it to XX/XX/XXXX. This is incorrect. They need remove the late for XX/XX/XXXX and instead change it to XX/XX/XXXX. Attached is what Wells Fargo sent recently!

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
1 ) On XX/XX/2023, I mailed XXXX to close the account clean. I dont have any knowledge about credit card system at that time. I was intended to keep my account clean rather than with balance due but turned out to be account closure request. They eventually closed my credit card account and that resulted in loosing significant score. Then I researched about the credit card scoring system and found out that my credit card account should never gets closed. Hence, I requested XXXX to re-open it on XX/XX/2023 but they denied in doing that by saying their company is being closed. I raised several complaints with trans union and XXXX regarding it but couldnt able to get resolved. Neither Transunion is able to make changes nor XXXX is re-opening the account. 

2 ) I requested XXXX to issue me a credit card in XX/XX/2023 but couldnt able to accept their terms and conditions. They fraudulently opened an account and then closed it. In the filed dispute they found it to be true but they didnt change anything about it. I want to get it removed from my report since I didnt accept their terms and they are not supposed to open and close.

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 2023-01-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been having multiple issues with chase recently the biggest one is FRAUD. How chase bank handles fraud is ridiculous they dont really look into the case and quote on quote solves the issues within 5 days which to me is very little time for a fraud case. I have had a total of XXXX fraud cases for XXXX from XX/XX/2022 in the amount of XXXX, XX/XX/2022 in the amount of XXXX XXXX XX/XX/2022 in the amount of XXXX XXXX and XXXX on XX/XX/2022 in the amount of XXXX XXXX All of these were solved in 5 days which is one not enough time, XXXX they ask for more information to be sent through the mail which takes 2 days to receive so that alone is not at all fair. All of these were ruled as not fraudulent which chase has allowed XXXX to be taken from me at which I have done everything I have sent them information through the mail as they request but they say they never receive the information, I have filed multiple police reports regarding this issue and still chase will not reverse the transactions and take money which results in my account being negative. I have seen I am not the only person who banks with chase to have these issues with chase not taking fraud seriously. If needed, court will be an option as this is ridiculous. I want those transactions which is fraud to be given back to me which the total amount is XXXX for those 5 months that is all I am asking as I have cooperated and sent information it is not my fault the bank did not receive that information and doesnt allow enough time before they make a decision on a serious issue. I also want all the insufficient funds fee reversed on XX/XX/2022 as I got paid but those fees put me in the negative again XXXX $ insufficient funds fee is a ridiculous amount. You all said the limit was refused but that is not okay as you all took The total is XXXX $ even though the negative balance was paid off not I am negative again. When you all send mail XXXX dont get that mail piece until about XXXX days at which you all in that time frame close the case which is not at all fair. Please give me my money back. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
MY NAME IS XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX SC XXXX My DOB XXXX my SS XXXX. I have addresses on my file that are not mine please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. 
I have attach my proof of ID and address.

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 2021-02-08
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started the process on XX/XX/20. My credit it was good. the appraisal came in where it needed to be. They asked for more documents. I gave it to them. Now they are asking for the same documents again. After doing an internet search, Newrez has a history of stringing people along.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: Thunderbird Collection Specialists, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I currently had an old roommate reach out and tell me very scary, rude men showed up asking for me and threatening to sue me and that I was in big trouble if I don't give them money. I have zero knowledge of this debt collector and also do not feel safe knowing there is a collection company going around harassing and threatening me for an unknown cause. They said they were from Thunderbird in Arizona. I do not know the amount since nothing is on my credit report. I am very scared and worried that these men are knocking on doors threatening and looking for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: LEXISNEXIS
State: MN
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:
The following information currently listed on my Lexis Nexis Consumer Report : XXXX, Case Number : XXXX is fraudulent and inaccurate information and does not belong to me : The entire Address Characteristic Record, Phone Records, Criminal Offense Records and Inquiry Records. The only address I have ever lived at is my current address which is XXXX XXXX XXXX. XXXX XXXX, XXXX, MN XXXX, the only phone number I have ever had is my current phone number of ( XXXX ) XXXX. I do not have any criminal record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: CITIBANK, N.A.
State: TX
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 had identity theft that resulted in the creation of the account. The identity theft occured from a roommate who lived at my property and had access to my mail. Through illegal activities including physical theft and identity theft, they opened this account fraudulently and used it to acquire merchandise that I did not authorize, benefit from, participate in, or allow. The police were notified, the FTC was notified, the credit bureaus were notified, and in spite of numerous police reports, direct complaints, indirect complaints, and disputes, they refuse to remove the information certified its accuracy under false pretenses.

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 2018-02-12
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I checked my credit and I discovered false information on my credit report. They have the wring birthdate and I never used XXXX XXXX, XXXX, eos cca, eos caa. I dont use my credit. I requested this information be removed and I heard nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The company is reporting credit inquiry information on my credit report without my written consent. My written consent is always required before my non public personal information is shared by any person other than me. 

I have never provided the company with any consent or implied consent to report such information. I contacted the company and the agents refused to provide me with proof of permissible purpose and written consent from me. The company refused to provide the information requested. It is clear that the company is negligent and willfully violating permissible purposes of consumer reports under the Consumer Credit Protection Act. 

The excessive inquiry information has ruined my credit standing and caused privacy issues which is causing me emotional distress. 

The inquires are listed as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX  I sent a letter in regard to unknown and inaccurate items on my credit report. I have yet to receive a response and it has been well over 30 days. I cant help but to feel done wrong because my attempts of reaching out to dispute these items are being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Again, it has been well over 30 days since I have sent in my dispute with no response. I demand that these accounts be deleted immediately, or I will be forced to file for litigation due to the disruption of my everyday living caused by the companies involved. My information was affected by the TransUnion data breach and could have been used by a random person with ill intentions. Attachments include : letter to TransUnion and my identification.

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 2023-01-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a copy of my credit report and noticed errors, fraudulent activity and names. 
XXXX XXXX XXXX - I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. 


My correct my name is XXXX XXXX XXXX Please delete ALL fraudulent names - from my report My current address - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Please remove all incorrect fraudulent or older ( X ) addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate. 

Please remove outdated Employers XXXX XXXX   never worked there XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 a user of XXXX XXXX I reached out to XXXX XXXX to inform XXXX XXXX that XXXX and Transunion are not updating my account correctly and informed them that for months my account appeared as if a freeze was placed on the account. In the year of XXXX and part of XXXX items fell from my credit report with no additional changes made to the score after the items where removed. In XXXX of XXXX, There was a major difference between the scores being reported from Trans-union and XXXX. The companies refuse to update my scores correctly in a timely manner and has stalled in doing so. Companies like XXXX XXXX XXXX XXXX XXXX was able to continue to report items through different collection agencies after the item fell from my report years ago. It has been well over 10 years since I last did service with XXXXXXXX XXXX. Based on the time frame, XXXX XXXX should not have been reported on my records recently or contributed to my score factors including the stalling process. I am not being provided with fair offer from creditors such as XXXX  XXXX or loan companies based on credit reporting agencies such as XXXX and trans-union XXXX The only cards i am offered are secured and based on my credit score, I find this as unfair practices. I have medical bills on my record that I am not aware of and a hard inquiry associated with a mortgage loan that should not be there.

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 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 the Fair Credit Reporting Act 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. also states a consumer reporting agency can not furnish a account withought my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: ALLY FINANCIAL INC.
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, at XXXX XXXX  XXXX XXXX sent me an email stating my account was in blocked status and that I needed to upload my ID to be verified. I uploaded my ID and the XXXX system said it was verified and that my account was then unblocked. On XX/XX/2023 at XXXX XXXX  XXXX I received another email from XXXX stating my account was then blocked and permanently closed. I called XXXX on XX/XX/XXXX shortly after receiving the email and the representative said that it was because Ally bank told them that my {$400.00} transfer that I initiated on XX/XX/XXXX was unauthorized. I called Ally and they stated that was not true that the issue was on XXXX end that XXXX would not verify information to Ally for the business attachment to proceed. Ally suspended every single transfer and bank account I had with them and linked to them. After a phone call they unsuspended everything but the XXXX transfer. 

I was told by Ally that the transfer will be sent back to XXXX. I asked them how that can happen if XXXX closed the account. They said I had to call XXXX. I called XXXX to see about getting the account unblocked. They then said it was blocked due to unusual activity but wouldnt explain further what that meant. They said that the money would still go through to Ally because my XXXX was closed that it would not be sent back to XXXX. 

There is no reason XXXX should have closed my account. There was no unusual activity. Taking money out of an account is not usual activity. The transfer was completely authorized by me via my Ally account. I can prove I own the XXXX account and the Ally account. I want my XXXX account unlocked. I want my {$400.00} transfer to go into my Ally 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 2020-08-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am applying for a mortgage refinance with Wells Fargo. 
The agent emailed my tax returns including my SSN and the SSNs of my spouse and children, over insecure, unencrypted email.

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