BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Hello TRANSUNION CRA : In regards to the entries contained in the attached dispute document of : I am disputing 100 % of this credit collection entry. This is a continued DEMAND that every one of the entries be removed and blocked asap from my name and personal information on file with the CRA 's in attendance of these entries. With the prior XXXX  security breach, and many other identity theft breaches happening across the country, it looks like you are continually allowing bad data to take over your records. Consistent identity theft is on-going and you are not providing the needed level of security to make sure the wrong information is not reported on my account! I will not stand for this. Look at my history with you, in disputing junk and erroneous information. This does not belong to me and you are again, aiding in ruining my credit profile with this erroneous account. XXXX seems to be the only CRA that is the least bit concerned about bad information populating consumers account. You aren't as much ... why? 
See the attached document THAT LISTS ALL THE APPROPRIATE ENTRIES CONTAINED IN YOUR SYSTEM WITH REGARDS TO SLANDERING MY GREAT NAME AND PAYMENT HISTORY!

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 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 contacted TransUnion about the following negative accounts XXXX XXXX XXXX  XXXX ( Opened XXXX XXXX, XXXX, Balance {$200.00} ), XXXX ( Opened XXXX. XXXX, XXXX, Balance {$500.00} ), XXXX - XXXX XXXX ( Opened XXXX. XXXX, XXXX, Balance {$280.00} ), XXXX XXXX XXXX Opened XXXX XXXX, XXXX, Balance {$1000.00} ), XXXX XXXX  ( Opened XXXX. XXXX, XXXX, Balance {$990.00} ), XXXX XXXX  XXXX ( Opened XXXX XXXX, XXXX, Balance {$1000.00} ), XXXX XXXX XXXX Opened XXXX XXXX, XXXX, Credit limit {$1300.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2020-06-05
Company: TransferWise Ltd
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I opened an account with Transferwise on XX/XX/2020. 
My intention was to use their services to do an international wire transfer from my account in the United States to my account in XXXX  where I am currently stranded due to Covid-19 travel restrictions. Both accounts are owned by me. I planned to transfer {$2000.00}. 
On XX/XX/XXXX I was notified that the transfer was taking longer than usual. Since I was in urgent need, I attempted to use a different funding method to transfer the funds instead of waiting. 
After this point, my account was suspended. I initiated an appeal process and I was able to supply the company with all documents required to verify my identity. 
On XX/XX/XXXX I was notified that my account would remain closed. As is company policy they were unable to tell me the reason. 
Since transferring money between two accounts that one person owns is a normal use of this kind of service I can not imagine what problem is. If there are signs of identity theft or fraud using my identity, it is something I am unaware of but would like to be made aware of it so I can deal with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: EQUIFAX, INC.
State: IL
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:
MY CREDIT CARD APPLICATION WAS DISAPPROVED OF TOO MANY INQUIRIES. 

THE LAST XXXX INQUIRIES WERE ALL FOR THE SAME REASON TO THE SAME PLACE. 

XXXX XXXX, XX/XX/2022, XXXX XXXX, XX/XX/2022, XX/XX/2022, XXXX XXXX, AND XX/XX/2022 ARE ALL FROM XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: EQUIFAX, INC.
State: NC
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:
Hello Equifax : In regards to the entries contained in the attached dispute document of : I am disputing 100 % of this credit collection entry. This is a continued DEMAND that every one of the entries be removed and blocked asap from my name and personal information on file with the CRA 's in attendance of these entries. With the prior Equifax security breach, and many other identity theft breaches happening across the country, it looks like you are continually allowing bad data to take over your records. Consistent identity theft is on-going and you are not providing the needed level of security to make sure the wrong information is not reported on my account! I will not stand for this. Look at my history with you, in disputing junk and erroneous information. This does not belong to me and you are again, aiding in ruining my credit profile with this erroneous account. XXXX seems to be the only CRA that is the least bit concerned about bad information populating consumers account. You aren't as much ... why? 
See the attached document THAT LISTS ALL THE APPROPRIATE ENTRIES CONTAINED IN YOUR SYSTEM WITH REGARDS TO SLANDERING MY GREAT NAME AND PAYMENT HISTORY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My bill pay service mailed a check to PHH pulling funds out of my account ending in XXXX in the amount of {$1300.00} on XX/XX/2023 and they never posted the payment to my account so I had to send a second payment once I found out that they didn't post the first one. I have reached out to them without any success. The check number was XXXX. I placed a stop payment on the check-in late XXXX after sending a second payment that was posted to the account correctly. They have agreed to wave the late fee but I have been unable to get credit report fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX send the attached letter trying to collect monies that i don't owe, I have agreed on paying {$260.00} over 12 months until XX/XX/2019, also, American Express was doing automatic withdrawal from my account, thye have decided to turn it ove rot collection agency, the glowing re the facts : 1- agreed with AMEX on {$260.00} over 12 months 2- after 12 months they will show it is agreed upon payments on my credit report 3- I authorized American express to withdrawal monies form my bank account and they established this.

4- after 10 payments they send the same account collections agency. 

it is illegal and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Exeter Finance Corp.
State: MO
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:
Sent a Notice to dispute letter on XXXX to Exeter Finance for debt validation and to report to the credit bureaus that this was in dispute. Company sent back the retail installment contract on XXXX, which my understanding that is not a valid way to validate debt. I asked for a ledger, a copy of the original contract binding both parties, as well as verification for the claim. This was the second time asking for this information. I sent another letter on XX/XX/ requesting the same documents and stated how they kept calling me harassing me about a debt that was not properly verified and to up my insurance. Again another letter was sent back from the company on XXXX  sending the same retail installment contract and not fulfilling what was asked of them in the 1st letter. They then sent me statements and proceeded to send a repossession letter on XX/XX/. I sent an Affidavit back to them to sign on XXXX  and if they do not sign they are to fulfill the invoice I sent with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My bankrupcty was dismiss XX/XX/2016 all creditors were paid by me XXXX removed this from my report. I am disputing this again. it should be removed since it was cancelled and creditors paid

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: CL Holdings LLC
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:
XXXX XXXX XXXX has an account on my credit that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Credit Karma, LLC
State: NE
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 father and I have the same first name, middle initial, and last name. We've lived at the same addresses as well. He just moved, and now my credit shows his new address as mine. This isn't correct, and I want it changed back to my correct address please. I dont need any more mix ups just because we share the same name. I just went through a garnishment because of him, and i dont want any of his things negatively affecting my credit that uve worked on for years now to get in good shape.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Regarding my situation with Nationstar ; the following is an overview of what transpired. I am going to attach all that I can but I might need to send you a cloud link. The XXXX day sale date following my XXXX XXXX hearing is scheduled for this Monday, XXXX XXXX ( See Attached ) I am not trying to save my home ... my only goal is to have a deed in lieu of foreclosure. This, in addition to the possibility of a short-sale is all that I have been trying to achieve from Nationstar. However, I was told that I must wait until after the hearing to present any offer to them. That was told to me by their counsel as well at the hearing in front of the judge. Nationstar told me XXXX days after the hearing date when I called them regarding a deed in lieu / shortsale that I must have a minimum of XXXX days from the actual sale date to be considered for either. Obviously the math does not add up. 

This is after I desperately tried to modify my loan before this began. Nationstar put me into foreclosure for a reason that was not valid. Nationstar told me in the foreclosure notice that they did not receive the requested information, which I have proof of providing to them. All of this was to no avail. 

Timeline : On XXXX XXXX, 2014 I sent in the requested information needed to be considered for a loan modification. 
I received a letter dated XXXX XXXX, 2014, requesting additional information for the loan modification. 
I sent all of the requested information in by the date of XXXX XXXX, 2014. 
In a letter dated XXXX XXXX, 2014 that I received stated that all of my modification options were denied because of " Request Incomplete ''. I have all documentation and proof that these items were sent in through fax and email logs. 
Following that notice / letter we were placed into foreclosure. 

I can provide proof that all of the requested items were sent to Nationstar for the loan modification process, per your request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Application No. : XXXX Bank of America is in violation of 15 US Code 1642 USC 1681m and 12 cfr 1002 because I, the consumer made an application in good faith, but credit was not issued.

Furthermore Bank OF America violated 15 U.S. Code 1691 - Scope of prohibition It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction Furthermore, because my social security number ( credit card ) was used, and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Bank of America ( 15 U.S. Code 1602 ( p )

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 2019-08-22
Company: NCC Business Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX account is paid off on XX/XX/XXXX and is still saying owed on my credit . I would like this information to be removed from my credit because it’s inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: EQUIFAX, INC.
State: MA
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 credit fair reporting act XXXX  Account # 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  Has violated my rights. 

15 U.S.C 1681 section 602 A. Sates I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency connot furnish a account without my written instuctions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: AmeriHome Mortgage Company, LLC
State: CT
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2019 I closed on the refinance of my home loan.The mortage broker sold my account to a new loan servicer, Amerihome. Along with that I was able to skip a payment to my new loan servicer. I made the first payment to Amerihome Mortgage in XX/XX/2019. Before I could make a second payment, I received word that an escrow analysis had been done and I was approximately {$680.00} short and my payment would be increased XXXX starting in XX/XX/2019. My current mortage payment is XXXX. I want to mention that beforeI refinanced, I had changed mortage insurance due to rising costs and had a rate I was comfortable with. Also my state property taxes decreased this year. So the shortage was not due to takes or insurance increases. According to customer service, the shortgage is due to their requirement that I have an escrow extra reserve. Amerihome states I can pay the amount upfront if I do not want a higher mortgage payment, Otherwise I will pay a {$56.00} higher monthly mortgage payment for a year. I was also informed if I request, I can spread the repayment amount over 4 years. I am wondering if this escrow shortage is vital, how could replacement be dispersed over 4 years? I am wondering also if it is common practice to complete an escrow analysis on a new customer? I feel like Amerihome examined customers escrow who have a lower monthly payment and interest rate and reasoned that there is room for increase. I had a rough period 3 years ago with my mortgage payment. It helped my to refinance to a low interest variable rate for a while. I have now finally refinanced back to fix rate to what I thought was a comfortable payment to have it increased in less than 2 months? During my rough period I had XXXX as loan servicer. I am concerned to discover that they are associated with Amerihome. I went through the closing process, all the costs were calculated before the documents were signed. How could a loan servicer do this to a new customer and more importantly, they should have performed an escrow analysis before buying my account and possibly declined, to help prevent a situation such as this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
American Express charged me {$13.00} late fee plus {$0.00} interest for stating that XXXX statement bill has been paid late. Just to note, XXXX statement bill amount was {$13.00}. Through XXXX XXXX XXXX online bill pay services i've scheduled {$13.00} payment to be delivered to American Express on XX/XX/23, which was the payment due date. On XX/XX/23 XXXX XXXX  withdrew the funds from my checking account and delivered the funds to American Express on XX/XX/23. However, American Express is stating that the funds were received on XX/XX/23. I have proof of payment from XXXX that funds were delivered to American Express on XX/XX/23. To resolve the issue i had conference call with XXXX and American Express representatives, but American Express representative refused to resolve the issue. So, i don't know what to do and need assistance from CFPB to resolve this issue. In advance, thank you for your assistance. 

Regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-24
Company: JPMORGAN CHASE & CO.
State: MA
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 made a payment over my phone in XX/XX/2018. The payment did not process correctly. Chase Credit had an incorrect address ( since been corrected ) and their notifications of the failure to process did not get mailed to me. As a result, I continued to make payments as agreed and registered three ( 3 ) 30 -day lates. I would not have any late payment if Chase 's phone ap had worked correctly. I would not have had lates in XXXX and XXXX if Chase had had my correct address. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief