BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I sent a letter to Transunion requesting a method of verification for a bankruptcy listed on my credit report. 
On XX/XX/XXXX Transunion responded with a letter stating that the bankruptcy was verified as accurate, but not how it was verified or who it was verified through. 
On XX/XX/XXXX I sent a letter to Transunion again asking them to provide their method of verification on the bankruptcy listed on my credit report. 
On XX/XX/XXXX Transunion responded stating the bankruptcy was verified by the bankruptcy court. 
I then went to the bankruptcy court and they stated they do not report bankruptcies to credit bureaus. I received a letter stating this for proof to send to Transunion. 
On XX/XX/XXXX I sent a letter to Transunion with the enclosed letter from the courthouse stating the bankruptcy was still considered unverified as the bankruptcy court did not verify the item as Transunion had said. 
on XX/XX/XXXX Transunion responded stating the bankruptcy was still verified by the bankruptcy court.

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 2021-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid 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:
XX/XX/2022 ordered a XXXX hedgetrimmer online for {$98.00} and paid with XXXX with a Bank of America credit card. The next day after researching the seller it was determined the website was fake and I Immediately called BOA who issued a credit to my account. After receiving a tracking number from the fraudulent seller they reversed the credit to my account. I initiated my own investigation with XXXX who informed me the tracking number provided is fake. I appealed BOA decision but they still denied it. Bank of America per the member agreement should standby their customers and issue a credit based off the fraudulent charges.

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 2023-02-23
Company: EQUIFAX, 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:
i am writing to delete the following information in my file.the items i need deleted are listed in the report. i am a victim of identity theft and did not make this change. i ask that the ittems be deleted to correct my credit report. i reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal tradecommissions identity theft affidavit please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX, Equifax, XXXX 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 informatyytion, 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 explanation
Consumer complaint received 2021-10-10
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:
Experian Credit Bureau did not follow the Fair Credit Reporting Act Law. I wrote to Experian over 45 days ago requesting their Method Of Verification for negative accounts they are reporting under my name, and they did not provide it for me. Therefore I believe they are intentionally reporting inaccurate information on 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 2023-04-22
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 Fair Credit Report 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
This account reported twice on Transunion, and based on my knowledge I don't owe this debt collector.

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 2021-09-10
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I called LoanCare ( XXXX ) XXXX and spoke with XXXX in the Loss Litigation department on XX/XX/2021 and requested again to be processed for a Streamline Payment Deferral Plan. 

XXXX confirmed I qualify for this program. 

My account is current and active but she could not process my request based on the advice of her supervisor XXXX. 

I was transferred to the Loss Litigation Escalation department and spoke Supervisor XXXX in the XXXX office. 

He also confirmed that I qualify for a Streamline Payment Deferral Plan but because I owe more than 18 months my request was being denied. 

I advised XXXX I respectfully disagree with the denial because I have been requesting a payment deferral for months and their delay in a proper process has added avoidable debt/months to my account. 

Had they processed my deferral like they promised me back on XX/XX/2021 I would not owe more than 18 months. 

I advised XXXX I have been requesting a payment deferral verbally and in writing for months. On XX/XX/2021 I spoke with XXXX XXXX employee number XXXX and she too qualified me for a payment deferral and she calculated {$40000.00} that was going to be deferred. She even sent me an email with a quick note of the dollar amount I was going to be short in taxes for 2022 year in the amount of {$580.00}. ( see attachment 1 ) Ultimately, XXXX did agreed with me that I should be provided a deferral plan but still he did not complete my request to close the modification and place a payment deferral request. He instead promised to send an Escalation review request email as Urgent and promised a response back via phone by a supervisor from his department no later than next Tuesday. 

I complain that Loancare failed to send my deferral documents as promised to me over the phone on XX/XX/2021 thus pushing me more in debt. 

I complain Loancare has failed to streamline my request today for a payment deferral even after I brought to light their continued bogus denial and instead is choosing to intentionally delay my request by promising me a call back no later then next Tuesday.

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 2021-10-09
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I.C. System INC is reporting negative information to the credit bureaus regarding a Utility Account that does not belong to me. I have not received written communication regarding the debt. I have not received telephone communication regarding the debt. I just happened to check my credit reports and noticed the derogatory information being reported. I have not had an AEP, or any Utility account for that matter, in my name in over 7 years. They are reporting a debt in the amount of {$120.00} from XX/XX/2021. This account is being reported in error and has seriously damaged my credit scores and report ratings. The negligence of I.C System INC is unacceptable and they must take full responsibility for their mistake and delete the account from all credit reporting agencies immediately.

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 2019-09-17
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being extorted by a third-party debt collector by attempting to collect a debt I do not owe or even aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have been contacting Chase numerous times to remove our private mortgage insurance and each time they proceed with the process then refuses to have an appraisal actually come out due to different excuses each time. 
First time was XX/XX/XXXX when we have requested to reappraise the home because the value had gone up far more than 20 % of the loan so we can remove the PMI. We started the loan at XXXX and the Chase website itself appraised the house with an estimate of XXXX. The lender initially proceeded to move forth with the appraisal and we have summited a check for the appraiser to come out and they have cashed the check out. However, then, was told that they can not remove our PMI until we have made a significant improvement in the house. Chase website and the lender let us know improvements such as : in-ground pool, solar panels, etc - attached below is the document from Chase. 
Second time on XX/XX/XXXX we made a request to remove our PMI because we had gotten Solar Panels. Which is what they suggested would be a significant improvement for the house. The lender initially proceeded to move forth with the appraisal and we have submitted a check AGAIN - second time around and they cashed it out. Then again they came back saying they can not remove PMI because we have financed the solar panels. 
Although Chase reimburses our checks for an appraisal each time they change their minds, they are just not allowing us to remove our PMI. Under a conventional loan- we have the XXXX that protects us homeowners to request for a PMI removal when you reach 20 % home equity. We guarantee our home value is over 20 % of loan. Chase is forbidding us from removing our PMI and would like to escalate this to the Consumer Finance Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2020 an agreement was made with XXXX XXXX to catch my account up. The agreement was that I would no longer he e a delinquent status if I agreed to lay XXXX by the end of each month on XX/XX/XXXX of 2020 XXXX was paid. The delinquencies on this account should have been removed before XX/XX/2020 dating back to when the delinquency began. Request that the new agreement allowing XXXX payments be provided. My payments starting in XXXX and continuing up to this day need to be honored. I have disputed this Numerous times with no success

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 2023-09-22
Company: EQUIFAX, 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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
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: Investigation took more than 30 days

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. 

Here are TransUnion Inquiries that I didn't authorized : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX please remove XXXX  XXXX inquiry reporting fraud as well .

15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

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 2023-10-11
Company: Experian Information Solutions Inc.
State: NC
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 been reaching out to calling sending letters to XXXX XXXX and experian about fraud on my account addresses that I have never lived at accounts that I have never done business with I even filed a report with identity theft.gov and got a recovery plan I contacted all the companies whom told me to send this to the credit Bureaus an I did no one sent me any documents but my request for the information to be removed was denied pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. creditors can not verify or validate the debt. The FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C. 1681i ). I sent all documents XX/XX/2023 they have not verified any information I demand these items be deleted Please note that accurate reporting is crucial for fair credit practices, and it is my right as a consumer to insist upon this. If these inaccuracies are not corrected, it could have severe implications on my credit worthiness, which is a violation of my consumer rights under the FCRA, for which I may be eligible to seek statutory damages. Thank you

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: WELLS FARGO & COMPANY
State: SD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I was 2 payments behind. After several denied attempts to make payment arrangements, I sent a direct same day money order to Wells Fargo and caught the payment up to date. Later that same day, after they confirmed receiving my payment ; they came to my place of employment and repossed my car. I had to pay expensive fees to get the car back and was never compensated for the costs. I have since paid off the car.

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 2023-06-12
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2023, I sent a letter regarding inaccurate and unknown things on my credit report. Over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information by the Equifax data breach may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-26
Company: WESTERN UNION COMPANY, THE
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2022 I attempted to send money to my family overseas. After filling the online information section at Western Union website, it stated that I had to provide my id information. I uploaded the image and sent it to the company. Western Union website stated that my transaction was on hold because they needed my id. This time, they said send the id to a specific email address XXXX XXXX. I resent my driver 's license image again with the XXXX  number : XXXX. After a couple of hours, I got an email that my transaction got declined. I called Western Union and the associate was not able to tell me why the transaction got declined and stated that I go to a store to do a transfer.

Next day, I went to a local store to do a transfer. The store was not able to do a bank-to-bank transfer and required me to have an agent. I don't know of any agent and preferred a bank-to-bank transfer. 

Again, filled an application to send the money o my family. Again, Western union put my transfer on hold because I need to send them my id. XXXX number : XXXX. I have sent them my id 3 times and each time I send it they say, they don't see it. 
I wanted to talk to a manager and the lady on the phone was very rude and said the managers will not be able to talk at the time. 

I don't understand why Western Union is putting a hold on my transfer. It is my money and I am asking them to make a transfer and Western Union is giving me a hard time like as though, I am a criminal.

Never seen a bank behave this way to its customer.

Very bad customer service very bad service

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I asked all 3 credit bureaus ; XXXX, XXXX, and Transunion, to do a verification of my credit report due to identity theft, and inaccuracies and they did, EACH BUREAU stated everything was accurate. I then did thorough research myself and i found improper inaccuracies all throughout my reports. I attached my credit report below with all EVERY ACCOUNT with the inaccuracies and the ones that are not mine. In accordance with the Fair Credit Reporting act converging ANY ACCOUNT violates my rights.

15 U.S.C. 1681 section 602a. States that i have the right to privacy.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. They can not furnish a account without 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 explanation
Consumer complaint received 2022-02-26
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX This is in regard to the following inquiries : Bureau : Equifax Creditor Name : XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Bureau : Equifax Creditor Name : XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry I disputed this account with the company and a letter was sent back from there office that they could not locate the account on file and are asking me for more information. I demand that since they clearly could not locate the account, this account needs to be removed from all credit reporting agencies immediately. I demand this be removed just from their response alone. their time to locate the account and validate it was used and they responded with their findings, with that information I demand removal from my file asap. 

This is direct response from the company " XXXX tracks all accounts utilizing the primary borrowers Social Security number and/or the complete account number. Based on the information provided in the complaints, we were unable to locate the corresponding accounts. ''

Company response to consumer: Closed with explanation