BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
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 FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XXXX, XXXX I applied for a Mortgage to purchase a new home. Upon receiving a copy of my Credit Report, I noticed that I was being listed in Collections from a company named XXXX XXXX, from an old XXXX account. I contacted XXXX XXXX and informed them that I had NO KNOWLEDGE of this outstanding debt with XXXX or XXXX  XXXX. Because I had never previously opened an account with XXXX XXXX XXXX. On XX/XX/XXXX I sent XXXX XXXX a DEBT VALIDATION REQUEST via Certified Mail. This Request pursuant to The Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Stating that I am disputing this claim and Validation is required. This request allows a company 30 days to respond. They have not responded to date. XXXX XXXX ( XXXX ) days later ( See Enclosed ) Since XX/XX/XXXX, I have done everything humanly possible to get this company to remove this Fraudulent Account from my credit file. I have called them numerous time. and getting through is a task within itself. Minimum wait XX/XX/XXXX minutes. ( See Enclosed Screenshots ) I have filed a complaint with Identity Theft .Gov. In XX/XX/XXXX, I have also Filed A Police Report ( See Enclosed ) This Fraudulent account on my credit file has caused me nothing but grief. I am being penalized for a debt that I did not incur.

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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry 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 2023-02-13
Company: JPMORGAN CHASE & CO.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, I initiated a Transfer to pull {$500.00} into my Chase checking account.. As of this morning ( XXXX XXXX ) that transfer shows as Rejected. Account log shows Transfer # XXXX There was no notice and there is no reason or explanation shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have just received a copy of my Consumer report from TransUnion and I have noticed several FDCPA and FCRA Violations on there. As an Consumer that is Protected by the Laws of the FDCPA and FCRA I would like to have the attached Violations removed from my Consumer Report ; See Attachments

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 2023-01-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL XXXX STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX 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 explanation
Consumer complaint received 2022-11-04
Company: ALLY FINANCIAL INC.
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This bank has been a problem from day one for me and ultimately I am intending to go somewhere else, but I am into this at this point and I need to get some things straightened out. I wanted to move an ira I have to this bank. They took multiple calls and about a month and a half just to get me the forms so I could fund this ira, admitting mistakes in that procedure. I got that sent in and by a week I got an email that they were going to close the account if it wasnt funded. I then tried to call and find out if they got the forms and what was going on. I have tried multiple, multiple times and either the time waits are too long or they transfer me and I get cut off or it has a long wait with myself not knowing how long that will be. At some point I have to move on. I also finally sent an email to ask for a call. They are not doing much in that area or are calling when I am not available. In fact I had to do one of these calls to the fedreserve complaint sytem and that is when they called so I missed that. WTH. Are they surveilling me so they can call when I cant answer? Also recently their system has started making it hard for me to access my account online. Now today I even get a message they need a phone number to text codes to me. I have no number for texting. They are causing me more and more problems. I want them put out of business as they obviously can not run any banking business properly. And like another bank I complained about with their ineptitude and problems they caused me I expect this bank to attack me.

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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). I'm hoping that these disputed accounts be UPDATED 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 XXXXXXXX

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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2019-11-26
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX my wife an I have learned that she will be having a reduction in hours at work. I started to research my options by trying the following : -Refinance with another bank -Refinance with my existing back as they have been overwhelming me with offers.

When I when through the process of refinancing and had my credit pulled they offered me a rate that is not only over 3 points higher than the market rate but is 2 points higher than my rate. So i turned down their offer. Since then i have been trying to do a loan modification.

They sent me an application and i submitted all the documentation required. This started a long process that went in the following order - On XX/XX/XXXX I received a call stating that my application was complete just my name was not clear - Sent in revision that same day XXXX was received a letter stating they needed a hardship letter even though it was not required if i submitted a bank statement according to their application. I sent everything same day. 
XXXX was sent another letter sating that they are missing my paystub and bank statement which i sent on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I submitted everything. I was told that they have everything they needed. 
XXXX another letter stating missing paystub. 
I called the bank and they said the file is not clear. Which is not possible. This document is a digital file that i have submitted in original digital format, scanned as PDF, faxed, converted to XXXX doc, XXXX, screenshot and have confirmed on multiple computers that it was clear. They keep asking for the same documents over and over to then say " thank you we received everything but unfortunately it expired, please send us updated documents. 

I am trying to act in good faith and pay my mortgage on time but now i am forced to make decisions on whether or not i can provide the proper nutrition to my children or pay this mortgage, all while they are playing this document game. 

I have attached some of the emails i sent to them with document to show that they are all clear. I would upload everthing but there is a 10 MB limit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: NATIONS DIRECT MORTGAGE, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was approved for the Homeowners Assistance Fund through the Florida Department of Economic Opportunity in XX/XX/2022, but my mortgage company is not updating my account. The approval was for my reinstatement amount and 4 monthly payments ( XXXX payments total ). There were XXXX checks dispersed in XXXX XXXX for {$42000.00} and the XXXX for {$1600.00}. The XXXX check was dispersed in XXXX for {$1600.00} and same for XXXX. 

I notified Nations Direct Mortgage via the Loss Mitigation department back in XXXX that these funds will be coming and emailed them the grant letters, per their request. I began calling again about mid XXXX to check on the status of my account. It was suggested that I wait 30 days from the time the funds were sent out for an update. That is what I did, so I began calling again starting the second week in XXXX. Today is XX/XX/XXXX and despite calling 1-2 times per week for about a month now, the funds have not been applied to my account. The same action is performed everytime I call- they send an email to their HHF department for an update. 

I have even had the Florida DEO on the line with me on 2 occasions with no progress. The DEO confirmed that 2 payments were processed by the mortgage company, however Im not very clear on where that information was being pulled from. Nations Direct was even unable to confirm an address that payments should go to when the representative from the DOE asked for one. 

I fear that, at this point, there is no process in place at Nations Direct on how to accept these types of payments, despite me notifying them back in XXXX about it and emailing the grant letters that contain all the information they need. This mortgage company has already once erroneously sent my account to a Foreclosure attorney, but fortunately I was able to catch it early and get that stopped and reversed. However, they still charged me for the attorney fees. 

Im afraid of losing my home. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX 
(Capital One)
$XXXX

This is not my credit card. This is fraudulent and would like this removed immediatelyld l

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Bread Financial Holdings, Inc.
State: DE
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:
This is in regards to comenity bank card for lane bryant. The account paid in full XXXX/XXXX/21, a late fee was removed so balance went from XXXX tXXXX  XXXX which was paid, currently reporting late when i was ensured it wouldn't be and i shouldve waited for it in writing but was told since they confirmed it hadn't yet reported that I would be fine.I didn't argue about the fees late fees or ask more questions because I just wanted a quick resolution to the account. 
This account I thought was on auto pay and I didnnt realize there was a {$6.00} payment and late fees on top of late fees because of fees that were not fully assessed and were pending at time I made last payment. I spoke with several people when I was called regarding the delq balance and they waived a late fee, I paid the remaining balance in full and was told that it was being brought up to date before it was reportd so everything was fine. I recently got notice my score dropped significantly due to this being reported as having a balance of {$100.00} as of XXXX/XXXX/21 which is incorrect. I called Comenity to dispute it and was told that once this reports again it should correct itself and report correctly but Im currently trying to get approved for a mortgage for a larger home as Im expecting twins and need a larger home. I asked the manager I spoke to if they could look into the payments and the previous discussions I had regarding this account and was dismiss and told to wait for next reporting or contact the reporting agencies. XXXX XXXX and XXXX are showing delinquent with a balance of {$100.00} which is incorrect, XXXX is still showing no payments made late but an incorrect balance. Im requesting that someone please accurately report that this account is up to date with a XXXX balance and remove the XXXX XXXXay mark as I was assured that it would not appear if I was able to pay the entire balance on XXXX/XXXX/21 over the phone. The same day a fee was removed due to the discrepancy of being charged fees on top of fees AND my credit limit was increased. 
I dont think its fair or accurate to report that I was {$35.00} late when they removed {$35.00} from my account and instructed me that paying the remaining balance which were late fees that had not been posted to my account when I called to inquire would result in my continued stellar reporting of never being delinquent. I feel like I was mislead, given false information regarding reporting and the account is not accurate on any of the XXXX. 
I hope this can be resolved quickly. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 was XXXX in the beginning of the year so there is no way I purchased a vehicle from XXXX XXXX XXXX XXXX because after my XXXX I lost my job so I just got on my feet and pulled my credit to see an unauthorized auto loan from XXXX XXXX XXXX XXXX in XX/XX/2021 please remove from my credit because it was not authorized.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: BARCLAYS BANK DELAWARE
State: WA
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: Card was charged for something you did not purchase with the card

Complaint:
Book a package through the XXXX  website with the XXXX  credit card by Barclay 's. The transaction was refused. After talking to a bunch if the service reps and being on hold. I finally got a rep that told me the charges did not go through on my card. I instructed the rep to close my account. I as told the account was closed. I then purchased the flight and hotel on another card. I received a bill from Barclay 's for the package at the end of the month. I have spent countless hrs talking to reps and jumping through hoops. To get this fixed. The card was closed and the company reran my card that was supposed to be closed. I talked to XXXXXXXX XXXX XXXXXXXX XXXX. XXXX. XXXXXXXX XXXX XXXX  and Barclay 's. Originally all the companies blamed eachother and said I need to get it resolved through them. Barclay 's has set up appointments with me to call my phone on my days off but never calls. Then they say I wasn't answering. Phones log the numbers incoming. Not one call from them is in my phone logs. I have processed complaints through them 3 times now getting case numbers. Only to have to call them and ask what is going on. This is strait robbery. Those charges were done after my account was closed.

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 2022-07-13
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am going through loan modification with Shellpoint mortgage. My mortgage pre pandemic was {$2300.00} with an interest rate of 3.5 %. My take home net pay is XXXX XXXX  monthly. 
My new mortgage has been modified to a monthly payment total {$3800.00}, 6 % interest and extended for another 30 years. 100 % of income applies to mortgage. 
Not only does my mortgage payment absorb my complete paycheck, it adds {$540000.00} to my mortgage payment over 30 years. 
Shellpoint can not send me any documentation on how they accessed my payment. The main answer is I could try modification again and I may not receive it and or interest rate may be worse. 
I thought the idea of modification was to help homeowners get back on track after pandemic. 
Sincerely XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: EQUIFAX, INC.
State: CA
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:
After reviewing consumer report, I noticed unauthorized inquiries on my credit report. Below are the companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation