BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft Report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft Report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

XXXX XXXX XXXXXXXX XXXX Date Opened XXXX. XXXX, 2016 XXXX : {$7900.00}

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 non-monetary relief
Consumer complaint received 2021-05-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XXXX XX/XX/XXXX, I purchased a XXXX XXXX XXXX vehicle for XXXX, XXXX which was XXXX dollars over actual value. At the time I was XXXX and had no idea what I was doing. I was suffering from XXXX XXXX and was using XXXX  and was taken advantage of by the dealer and the lender. I contacted the dealer twice and received no response and received no assistance from the lender Wells Fargo. My account number with Wells Fargo ( XXXX ) is XXXX. I can not pay this loan as i am unable to work as i am currently under the care of a XXXX 

XXXX XXXX XXXX XXXX ct XXXX fl 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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
under the Fair Credit Reporting Act ( FCRA ) law XXXX5 USC 1681 I request these errors be updated on my report. My credit card from XXXX XXXX I saw on all 3 credit bureaus that my credit age with my credit card is XXXX but my credit report shows my credit age to be less than that from account # XXXX. There are not many options to report this so I chose to have this fixed through a better source.

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 2023-12-14
Company: EQUIFAX, INC.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: JPMORGAN CHASE & CO.
State: SC
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:
This company furnished my consumer report without my written permissible purpose.

The law states : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I didnt give any written instructions for this company to furnish my consumer report under no circumstance.

The law states : 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-08
Company: Acceptance Solutions Group, INC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a voicemail on my work phone from a XXXX XXXX stating she was from XXXX XXXX XXXX XXXX calling to collect a debt and that there was a "legal document" that was going to be delivered to my place of work and home requiring a signature, if I didn't contact them. I returned the call on my cell phone and told her expressly to take my work phone number out of their contact database because they were not authorized to contact that number. I told her that I had settled the debt with the creditor that she was supposedly representing. She claimed she was going to send an email with some reference to the matter and review it with me over the phone. She hung up and I didn't receive an email until the next day. The next day she again called my work phone and left a voicemail. I called back on my cell phone and again instructed her that the number she was calling was not my personal number and she was not to call it. I told her I was formally disputing the debt, as per the instructions in the letter attached to her email (which said that if they didn't receive a response in 30 days, they would consider the debt valid). I told her I was going to mail the letter. She asked me to fax it. I faxed it and received a confirmation that it was delivered. She called my work number again the next day and left a voicemail. I called her back again from my cell phone and told her to stop calling my work number. She threatened that this "legal letter" was going to be delivered to my place of work. I told her (per the letter I was sent) I was disputing the validity of the debt and I had sent the fax as she requested. She claimed the fax wasn't received, even though I had received the confirmation. She started accusations that I was stalling and didn't want to pay what was owed and that I needed to send her some proof that I had paid the debt or she was going to send this letter. I told her it was up to her to investigate my dispute. I told her I would resend the fax. After I hung up, another individual called my work phone AGAIN, and left a message saying he was her supervisor and that they didn't receive the fax I sent the day before. I didn't call back. I resent the fax and received another confirmation. This debt was settled with the creditor over a year ago. I checked my online account and all paperwork with the creditor. My work number was never associated with this account (she lied and said it was and that is how they got the number). This company is just harassing me and calling my work phone and threatening to send documents to my job to intimidate me. They are trying to collect money from me that has already been settled over a year later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: Experian Information Solutions Inc.
State: PA
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:
XX/XX/2021 I sent a dispute letter on inaccurate and unknown accounts on my credit report. It's been over 60 days and XXXX XXXX and Experian did not respond. I feel like I'm being ignored of my disputes. According to 611 ( a ) says failure to investigate these items 30 days they should delete immediately. It has been over 60 days. I demand these accounts to be deleted or will file for litigation due to the anxiety you caused me. My information was impacted by the XXXX  breach and may have gotten in the hands of the wrong person

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 2023-06-20
Company: MOHELA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I requested due to Covid-19 and being the only income for my home I couldnt get these late overdue payments removed from my credit. I tried to defer but as the only income MOHELA  wont remove these. Id like them removed so I can improve my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: Experian Information Solutions Inc.
State: VA
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 sent in certified letters to the credit bureaus telling them that these accounts did not belong to me. I ask them to send me any documents they had to verify that these accounts were mine. with all these data breaches that these credit bureaus have is ridiculous. at least take the time to do investigation, instead of telling me that these accounts have been verified, if they have been verified, why can't you send me the documents to verify them.

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 2021-09-14
Company: Resurgent Capital Services L.P.
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 sent multiple letters asking for debt validation for an account that is reporting on both my XXXX and XXXX XXXX consumer report. As a consumer my rights are being violated due to the fact that LVNV FUNDING LLC has not made any attempt to respond by letter or phone with validation of said debt. 15 US C 1692g validation of debts Grant me the right to request debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XX/XX/2023, I contacted Transunion about an unauthorized Inquiry on my consumer report. The representative informed me that the inquiry will stay on my consumer report for 2 years. I filed a identity Theft report with the FTC which I am attaching with this claim. The inquiry in which i am referring to is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports and 18 U.S. Code 1028A - Aggravated identity theft | U.S. Code | US Law | XXXX XXXX Legal Information Institute, I did not authorize or have any knowledge of any individual, corporation, Financial institution, or any other entity to access or use my personal information, which is a clear violation of the FCRA. 

Furthermore, I do not consent to Transunion adding any fraud alerts to my consumer report, adding more insult to my consumer report. 

Please see attached Identity report with the Federal Trade Commission for your records.

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 2021-11-18
Company: AMERISAVE MORTGAGE CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
we have a loan and need our escrow redone and they have every excuse why they cant do it. i received a new tax bill back in XXXX and submitted it. they keep telling me 5 days to to redo escrow 5 days go by and still nothing i have called every week for a month. I am at a loss at this point. Amerisave mortgage can not get it together. supervisors are rude and the customer service agents have not clue and feed you different lines all the time. if they redo my escrow i will be paying XXXX less of month due to paying out of state taxes and now paying resident taxes. i have letters stating the redid the escrow and still my payment has not gone down thanks for any help

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: United Shore Financial Services, LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have tried 3 times, supplying the documents needed to get my mortgage escrow set-up to pay my HO insurance. This should have been done at account origination. The company is United Wholesale Mortgage. Their documentation and follow-up is not that of a regulated company. I have supplied what they needed electronically with proof that they received, then the next agent tells me they never got the documentation. Just plain sloppy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Upgrade, Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
We took a personal Loan from Upgrade. The loan was for {$8000.00}. {$2000.00} was sent to one of our Credit cards. {$1300.00} was sent to us. {$4500.00} was to go to a Credit Card, they never received the payment. We have contacted Upgrade weekly for 2 months and are told they can't find the Payment. We took the Loan on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Transunion is not allowing me to file disputes an has deleted pass dispute investation results of two collection XXXX XXXX XXXX XXXX ( XXXX ) XXXX was to be removed XXXX $ I dont owe this debt it was removed previously under another collector an has been investagated remove this item second XXXX XXXX ( XXXX  ) for XXXX $ should be removed someone opened this acct while I was a resident of Illinois this is not mines and should be removed I did not open this acct

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 2023-06-20
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: Information belongs to someone else

Complaint:
In reviewing my credit report, I found that there were several fraud accounts and addresses listed on it. I will list the account and the amounts also the addresses. 

XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX and amount {$18000.00} Addresses : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX GA

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Remove hard inquiry if not attached to an accounts : 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 2022-10-20
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My credit card with Discover was closed on XX/XX/22 with no warning. I noticed on XX/XX/22 when a credit report indicated my score dropped due to a closed account. I verified it was the Discover account via their website on XX/XX/22 and called their support phone number. They did not provide me further information and could not reopen my account or explain why they closed my account. They noted they might be able to reopen the account if it was less than 30 days. Which is hard to realize with 0 notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: HW Holding, 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:
I have reached out to XXXX  remove HUNTER WARFIELD from my credit report since I reached out to HUNTER WARFIELD and they have not provided any debt validation for this debt. If they can not provide the CFPB a contract that I have signed with HUNTER WARFIELD then I would like this item removed from my credit profile. The name of this company is incorrect as on my equifax report it's stating that the name of the company is " XXXX XXXX XXXX XXXX '' But the name of the company is HUNTER WARFIELD. This is a clear violation of section 609 for providing inaccurate information on the credit report.

I have provided the address that corresponds with the address on 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 2021-01-29
Company: Selene Holdings LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom it May Concern, As a XXXX XXXX directly impacted by Covid, my husband and I have tried excessively and exhaustively to modify our mortgage loan serviced by Selene Finance. I must say that our initial rep, XXXX XXXX, was amazing and should be praised for her professionalism and dedication to help us achieve a modification due to the financial hardship we've experienced from this pandemic. With that said, that is where the good ends. After submitting all of the requirements and receiving verbal acknowledgement from XXXX XXXX, in addition to a notice sent from Selene that our modification packet was indeed completed and received in whole, we received a notice from Selene, dated prior to my conversation with XXXX, XXXX, but after the letter stating it was complete, that now stated we were denied due to an incomplete packet. Please note, during this time, Selene was reporting our loan as " non-govt modification '' with the previously agreed upon payments to the credit bureaus despite sending a letter of denial. 
I again reached out to XXXX who again confirmed the account notes stating our packet was complete, we were just awaiting underwritting and she would reach out to her supervisor and to call back in a few days. I called back as directed and was informed that our modification was closed out for reasons unknown and she was going to again try her supervisor. Ive tried multiple times to speak again to XXXX, which I've been denied and on more than one occasion have been told, by other customer service reps, " Yes, I can see that, but there isn't anything in your account about why you didn't get your modification. I don't know, just try submitting it again ''. Which I did, to no avail. I submitted a QWR letter on XX/XX/2021, which has gone without acknowledgement or answer, I get hung up on now when trying to call, and we received a notice of foreclosure auction for XX/XX/2021, without enough notice given to use to prevent the foreclosure from taking place as Selene requires a modification packet must be received more than 35 days before a foreclosure auction date. 
Selene is not only wrongfully denying borrowers foreclosure prevention actions, but also violating RESPA regulations. 
As a Covid XXXX, I put my life on the line, got XXXX  and now am losing my house due to Selene 's negligence. We sincerely and genuinely just want to pay our mortgage loan like every one else. 
Is there someone that can help resolve this issue? 
I do apologize for reaching out this way, but unfortunately felt I had no choice. 
Thank you for your time and consideration, it sincerely is appreciated. 
XXXX XXXX.

Company response to consumer: Closed with explanation