BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 submitted a certified letter to all three credit bureaus requesting how they verified a public record. There response was this section includes a public record items obtained from local, state and federal courts through a third party vender, XXXX. 

I contact XXXX XXXX and they could not verify and removed the public record. 

XXXX XXXX submitted 3 disputes 3 times to the credit bureaus they never responded. 

I also contact the Western Tennessee Bankruptcy Court and received a letter from them that they also do not verify. 

so, how can the bureaus verify this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have a HELOC with US Bank. We are trying to refinance our first mortgage and apparently need a " letter of subordination '' from US Bank. We started this process in XX/XX/2020. And have been in contact with US Bank at least weekly since then trying to get them to do their job. We have repeatedly been told ... '' it is being worked on '', " it'll be complete next week '', '' we never received the documents ( or spoke or emailed ) with you '' despite they actually getting all the data/communications that they have asked for, " it is complete and approved and we sent the correct forms '' ( followed by " there are a few more steps before we can approve it '', etc. On Monday, this week, they said they sent the letter. On Tuesday, they said they made an internal mistake and it is not ready yet. 

US Bank has now cost us several thousand dollars by delaying our refinance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: TransferWise Ltd
State: WY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
My Account was deactivated by TransferWise without any prior notice or warning. When I contacted them for the reason they said we are not bound to provide you reason. 

When I asked to refund me my money and the charges you deducted as the banking services then they said " Unfortunately we won't be able to refund you the charges. Regarding the remaining funds you had in your TransferWise account, we have to wait until the aforementioned due diligence checks are completed. Kindly note that these checks can approximately take 60 working days. '' There is no logic for deducting money as the banking services when they are closing my account my email id is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: ALLY FINANCIAL 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:
ally finacial account number XXXX this account is in dispute because XX/XX/2018 the vehicle was deemed a total loss by means of a tree falling on it. The insurance company settled this debt and the GAP insurance provided the difference. THIS ACCOUNT WAS NEVER LATE. HOWEVER THEY ARE STILL REPORTING ON ALL 3 REPORTS LARE 90 DAYS, 60 DAYS AND 30 DAYS.

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 2021-06-21
Company: Rozlin Financial Group, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
About a year ago someone had made an XXXX account pretending to be me. They somehow got my XXXX account and debt card info. At some point i got an email about my account being charger and called XXXX about it. XXXX was the rep i talked to. He assured me the account was deleted and told me that no payment would be collected and to delete my paypal account. So i did, now I have a bill from the a debt collection office ( RFGI collection ) and they are requiring me to contact you guys.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Dear Sir or Madam, I am writing to you to report a serious issue that I have with my mortgage lender. On XX/XX/2021 after a discussion with the Loan Processing Officer, XXXX XXXX, XXXX # XXXX from Bank of America I decided to apply for a mortgage refinancing. One of the major financial incentives to apply was the fact that I could go through a XXXX process, with which I could avoid paying the transfer tax, an amount of {$14000.00}. After waiting more than three months to complete the XXXX process, Bank of America informed me that we are ready to close the loan and the sent me the Closing Disclosure, where there is a charge of {$13000.00} for the transfer tax! Two weeks ago I had contacted their legal counsel who was handling the XXXX process and they had informed me that my file was clear. On XXXX when I first talked to the above loan officer, he had told me that I will not have to pay the transfer tax since we are proceeding through XXXX. Today I am charged not only with the transfer tax but also with all the legal fees for the XXXX process. I feel I have been deceived and I would like your help to investigate this case. 

Thank you in advance, 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 2019-02-21
Company: Midwest Recovery Systems
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
fraud on my credit file on account i never had!!! 
XXXX XXXX XXXX XXXX for {$780.00} file date XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
XXXX XXXX card - reporting late on 3 credit reports XX/XX/2019 by 30 days. account number XXXX account has never been late

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 2021-03-25
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, This company XXXX XXXX XXXX are continuing to attempt to collect a debt that I am not liable for. I have attempted to rectify this problem thru the bureaus but they are still reporting and continuing to report negatively toward my credit. have attached a letter from the Assistant Manager of the apartments that show that I left out of my lease with no balance attached to me. I lived in the apartments from XXXX. I paid rent on time and never missed a payment. 

When I moved out I left without owing any debt and no responsibility was due to me with the apartments yet the collection XXXX XXXX is reporting to my credit that I owe a balance of {$2500.00}. 

I a not liable for this debt as I have expressed several times so therefore I do need to make a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 made many many complaints to CFPB on XXXX XXXX for fraud and identity theft in XXXX. Attached is IRS FORM 14039 Fraud Affidavit. Hopefully XXXX XXXX will recognize the identity theft, forgery, and fraud this time. I have already submitted in previous complaints multiple documents including the XX/XX/2017 sheriffs report and felony information on the thief for forgery and false pretenses. Recognize the fraud and remove the negative listing on my credit report. I had XXXX and was paying off debt monthly because I couldnt make a lump sum payment so how can I make a lump sum payment now when I am on social security?. My credit score was always mid 700s. I had requested many times to remove theft including the fraud payments that allowed the credit limit to be doubled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Tried to dispute incorrect names that are on my report online at Experian. Would not allow me to do it so I called the number given and no matter which option I chose, I did not get anyone online and then it just said 'goodbye '. I called 4 more numbers to Experian spent over an hour trying all the different options and again no one and then 'goodbye ' or just hung up. I have been trying to get through to Experian for days and this is inexcusable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: NCB Management Services Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In short I've been fighting this debt for about 3 years now NCB Management Services bought my old car loan from XXXX XXXX after it was repossessed when the car was repossessed I only owed about two maybe three months of Miss payments which would have totaled at most a little over {$1200.00} I have contacted NCB Management Services let them know this they acknowledged that they had paperwork saying XXXX XXXX would continue my car loan if I paid a little over {$1100.00}, I communicated with them multiple times that that is all I owed once the car was repossessed they were not allowed to be charge for the entire loan they still keep trying to charge me and now I want to stop with me from buying a house and I would like this entire debt removed as they willingly continue to purchase the wrong amount of debt in order to gain the most money for them, if a car is repossessed and is still in good working condition able to be sold again from my investigating they are not allowed to charge the full price of the vehicle but they're still trying to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Law Office of Harris & Zide
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by the law offices of Harris and Zide XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ca XXXX by XXXX XXXX XXXX ( XXXX ) XXXX by mail on XX/XX/XXXX2020 about a XXXX debt already paid through my XXXX XXXX XXXX  account. This is the second this law firm has contacted me about the debt that was settled and paid on XXXX/XXXX/20. I have documentation of these facts from XXXX. I recently applied for a debt consolidation loan and was denied because this account is still regarded as an " debt in collection '' '. I want to take my case to small claims court and sue for damages. please tell me how. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Nelson Cruz & Associates LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company has tried to collect time-barred debt or debt that is not mine. I reported them once a few years ago and it stopped. They have started calling me again. They call from XXXX and tell me to call Mrs XXXX at XXXX x XXXX. They called on XX/XX/21 at XXXX XXXX, at XXXX XXXX. Called on XX/XX/21 at XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: EQUIFAX, INC.
State: KY
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 am victim to inaccurate/fraudulent accounts appearing on my credit file. I was extremely upset when I found out that I had inaccurate/fraudulent accounts on my file. I immediately filed a dispute with the credit bureau in XXXX of 2021. It have been 90 days since my original complaint and I have yet to get my issue resolved. I have since filed a total of three disputes with no response from the credit bureau. According to the Fair Credit Reporting Act my issue is supposed to be addressed within a 30 day window. My consumer rights are being violated and I am suffering financial and mental stress due to the inaccurate/fraudulent accounts hurting my general reputation. I am being ignored by the credit bureaus and I know the Consumer Finance Protection Bureau is the governing body to the credit bureaus and will enforce that they are properly doing their job according to the consumer laws in place set by congress. I have attached the letters that was mailed to them over the three month span. I need all of the inaccurate/fraudulent accounts removed from my file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to check my credit reports and I have three collection accounts with XXXX that are reporting thousands of dollars in incorrect information. The information is stopping me from attaining new credit. I have made repeated attempts to call or mail XXXX  for verification with no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
To Whom It May Concern, I would like to appeal the Chase Banks decision dated XX/XX/XXXX ( Chase letter dated XX/XX/XXXX attached here ) regarding a disputed {$200.00} charge initiated on XX/XX/XXXX. 

I was the victim of an XXXX Refund scam and this charge was a part of an effort to defraud me of a total of {$3000.00}, {$2800.00} of which was stolen from my Chase Bank account. 

Immediately after I understood that I was being scammed, I took steps to dispute and reverse the fraudulent charges. I contacted the XXXX XXXX Police Department to file a report ( Crime Report filed to XXXX XXXX Police Department attached here ) as well as Chase Bank and XXXX XXXX. 

I followed up by filing a report with the Consumer Financial Protection Bureau regarding Chase Banks initial response to my effort to get the disputed charges returned to my account. 

The results of these efforts were the same ; XXXX XXXX and Chase Bank both recognized that I was the victim of a scam, that the charges were made under fraudulent circumstances, and that I was entitled to have the charges reversed and the funds stolen from my bank account fully recovered in my favor. 

I dont understand why this one charge is being singled out for recovery from my account. I believe this is an error on Chase Banks part. 

Two things stick out as problematic for Chase Banks claim ( Chase letter dated XX/XX/XXXX attached here ) that the {$200.00} charge reported on XX/XX/XXXX was processed correctly or was authorized. 
1. The fraud report for a string of suspicious transactions was initiated with Chase Bank on XX/XX/XXXX. 
2. The transaction date on the letter is listed as XX/XX/XXXX to XXXX in the amount of {$200.00}. 

The XX/XX/XXXX charge to XXXX was initiated on XX/XX/XXXX. 

What I dont understand is that after I told Chase Bank on XX/XX/XXXX that a charge of {$200.00} to XXXX was made as a part of the XXXX Refund scam I was a victim to, why did Chase Bank still allow the charge to go through on XX/XX/XXXX? 

I dont understand why all the other charges made to my account as a part of this scam reversed in my favor and this one is now, 2 months later, being considered a correctly authorized charge. 

I believe Chase Bank has made an error in its research on this matter and should immediately rescind its decision to remove {$200.00} from my account. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 disputed the account XXXX XXXX  with XXXX XXXX and Transunion and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX and the incorrect information is still there. 
This account was Never Late and never charged off however XXXX has it marked as late and charged off. 

I disputed the account XXXX XXXX with XXXX XXXX and Transunion and the incorrect information is still there. 
This account was Never Late and never charged off however XXXX XXXX and Transunion have it marked as late and charged off. 

I disputed the account XXXX XXXX with XXXX and the incorrect information is still there. 
This account was Never Late and is paid off however, XXXX  has it incorrectly marked as late with a balance I disputed the account XXXX XXXX  with XXXX   and Transunion and the incorrect information is still there. 
This account was Never Late and never charged off however XXXX XXXX  and Transunion have it marked as late and charged off. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 explanation
Consumer complaint received 2018-02-27
Company: RentDebt Automated Collections, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern : I'm writing in to state that the XXXX XXXX XXXX XXXX I was never authorize my signature to sign I was in a XXXX XXXX XXXX marriage.I have tried to contact the Apt . but their Management Personnel has change and they could not give me any info. can you please help me with this. 
I never gave authorization to have this XXXX bill I was divorced and I had to leave with a XXXX situation the apartments knew exactly what was going on can you please have them check and resolve this for me. 
I've been writing in for years pleading with them and they Under New Management so they have no record of what's going on this should not be on my credit can someone please help me and resolve this thank you. 

Here Is My Ex Husband Info that i have XXXX XXXX his name was on the lease. 

Please my information disclosed my information of my whereabouts to my ex-husband I was in a XXXX XXXX XXXX relationship and I'm XXXX XXXX XXXX XXXX I just don't want nothing tied with this man at all but I will give you the information to try to track him down so you guys can get what you need from him but please do not include my information or disclose any information where I live to this person. 

You Can Contact me At : XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Experian Information Solutions Inc.
State: ID
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 checked my credit, and I learned that every inquiry on my profile I had NOT authorized. These need to be removed immediately. Additionally, there were several accounts that I did not approve or never took a dime from them. This needs to be removed as well. I have also included addresses in which I never lived at as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
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:
I'M HAVING A VERY HARD TIME WITH THE CREDIT BUREAUS HELPING ME CORRECT ERRORS REPORTING 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