BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-23
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: Credit inquiries on your report that you don't recognize

Complaint:
TRANSUION XXXX AND XXXX HAS SOME INQUIRIES ON MY CREDIT REPORT. THAT ARE NOT MINE. 

XXXX XXXX-NOT MINE. PLEASE DELETE XXXX XXXX-NOT MINE. PLEASE DELETE XXXX XXXX XXXX-NOT MINE. PLEASE DELETE XXXX-NOT MINE. PLEASE DELETE

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 2019-11-06
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received a letter dated XX/XX/19 that I was in default on my loan. I was shocked because I pay my mortgage monthly through my bank. I don't receive statements and had been having trouble logging into my account online, so I called. 
Apparently, with no notice, they increased my payment and have never to this day sent me a statement. They say I can't have online access to my account because I filed for bankruptcy over 8 years ago. What? 
So I told them the only thing I received was the letter. Now it is XX/XX/XXXX, and still have not received a statement. And they are still denying me access to my account online. 
Their phone service does not have automated account information. I am not allowed to make personal calls while I am at work and by the time I get off, they are closed because they are in Illinois. 
What does having online access have to do with bankruptcy? I just want to stay current on my account and make sure I know when the payment changes. Why did they wait so long to contact me? 
This is not the company I started with. They took over my lone from XXXX last year. And when that first happened, I was able to log in online. Then eventually I was denied access with no notification. I emailed customer support several times and THEY NEVER responded. How is denying me online access because of a bankruptcy a thing? It's a tool to make sure I know what's going on with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX, I received an offer from Chase that said " Get {$900.00} for both ( an extra {$400.00} bonus ) ChaseTotalChecking + Chase Savings ''. On XX/XX/XXXX at noon, I had an appointment with XXXX XXXX at the Chase Bank branch on XXXX XXXX XXXX XXXX, XXXX, VA. 

Before opening the account, XXXX and his supervisor confirmed my eligibility for the {$900.00} bonus. However, after the account was opened, I discovered that I would only be eligible for a {$200.00} bonus. Furthermore, my account would not be eligible for any checking or savings bonuses for the next 24 months. 

Chase and their employees misrepresented my eligibility to the {$900.00} checking and savings bonus. Enclosed is the bonus offer I received from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: BARCLAYS BANK DELAWARE
State: NC
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:
I was changed an annual fee in XX/XX/XXXX ( approx. {$490.00} ) and Barclays closed my card in XX/XX/XXXX. I requested my annual fee be prorated since I am no longer eligible to use the benefits associated with membership but was denied. I spoke with XXXX ( XXXX ) who was a manager who refused to prorate the membership fee. I was told this was described in the terms and conditions but have been unable to locate the passage. I feel this is an unethical practice by Barclays, is very misleading, and may break consumer laws.

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 2021-11-02
Company: Resurgent Capital Services L.P.
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:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 

Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX 1. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. XXXX Account Number : XXXX Please remove it from my credit report. 

4. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

9. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX 10. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 11. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/2019 12. The following personal information is incorrect Account Number : EMPLOYER : XXXX 13. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX 14. XXXX Account Number : XXXX Please remove it from my credit report. 

15. Account Number : XXXX Please remove it from my credit report. 

16. Account Number : XXXX Please remove it from my credit report. 

17. LVNV FUNDING LLC Account Number : XXXX Please remove it from my credit report. 


Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Jon Barry and Associates, 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:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 

Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX 1. XXXX  XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. XXXX Account Number : XXXX Please remove it from my credit report. 

4. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX 10. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 11. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/2019 12. The following personal information is incorrect Account Number : EMPLOYER : XXXX 13. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX 14. XXXX Account Number : XXXX Please remove it from my credit report. 

15. Account Number : XXXX Please remove it from my credit report. 

16. Account Number : XXXX Please remove it from my credit report. 

17. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: EQUIFAX, INC.
State: FL
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 my account XXXX XXXX number XXXX balance {$4300.00} Accorcing to 15 USC 1681b Permissible purpose I did not authorize anyone to report this info to my report. To continue to report this is identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-06
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I periodically have to have my university file paperwork with Fedloan servicing to prove Im taking graduate courses and am eligible for loans deferment. While I understand they need proof, in the time it takes them to process the request, my loans accrue interest that I have to pay and they dont reverse it, even if they were informed of my classes starting at an earlier date. Most recently, however, after my school filed the paperwork, they placed my subsidized loans into forbearance when they should be in deferment. Theyre illegally charging me interest on my loans. Their customer service and response times are HORRIBLE. I feel helpless when dealing with them and they know theres nothing I can do about it. Its easier to just pay the interest but its infuriating to know they get away with this. I can only imagine how much they profit off of illegally collecting interest when individuals like me are eligible to not pay interest. They really need to be investigated and held accountable!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/21 I received an Escrow Account Disclosure Statement disclosing that my escrow account was short of XXXX. In the past whenever, I have had a shortage with my escrow I was given the option to pay the shortage to avoid my mortgage premium changing. I called and requested to pay the shortage and was told I couldn't and that my mortgage premiums would increase. In the past I have had shortages of over XXXX and was given the opportunity to pay to avoid this situation. I spoke with an employee ( Employee ID XXXX and he spoke to someone from the Escalation Dept. and they were not able to assist. I asked for policy to explain why they couldn't follow the procedures that most mortgage companies follow in the industry and couldn't find any additional information. It's a small amount, but in this COVID environment I am trying to ensure that my mortgage does not increase ; especially when it can be prevented.

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 2023-02-17
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: Was not notified of investigation status or results

Complaint:
Today is XX/XX/2023, and I sent out a letter regarding false and unknown things on my credit report on XX/XX/2023. Over 60 days later, I have not received a response yet from the bureaus regarding my issue. I feel like I am being ignored in my disputes. In Section 611 ( a ), it is stated 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 60 days so they should be deleted hastily. If the accounts are not deleted, I will file for litigation due to me being ignored for the past 2 months. My information was also impacted by the XXXX data breach and may have got into 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 2017-12-13
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My home is located in South Florida in a county that was affected by Hurricane Irma. I was offered forbearance option from my Mortgage Servicing  company SPECIALIZED LOAN SERVICING for 60 days after which I was offered to apply for loan modification. I did but SLS was losing half of my documents every time I sent them, because of that the process was delayed on their end. During this time I was in constant communication with them and they told me multiple times that they will not report late payments as long as we are in the process of a loan modification. 
Unfortunately this morning ( XXXX/XXXX/XXXX ) they did report the late payments. 

I am in the middle of applying for a mortgage and my credit score went down by XXXX points. At this point, I can not close my loan anymore. 

I tried talking to them multiple times, unfortunately, they do not know anything and can not do anything for me. 

Please help me as this issue is v ery time sensitive. 
Their address is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO 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 2021-11-02
Company: Navient Solutions, LLC.
State: TN
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 account was paid and was not in collections, this is only showing up on XXXX and XXXX. 

XXXX is a fraudulent account and was investigated by my bank and was shown as fraud. 

Navient is reporting multiple times and for several different amounts when these loans have been consolidated and put through the US department of education. 

XXXX XXXX credit card was lost or stolen and reported as such on transunion but the other bureaus have the wrong information. 

XXXX has inaccurate information for the last date active and it was filed under bankruptcy from the joint account holder. 

XXXX has inaccurate information reporting and multiple accounts with different balances. The information completely false. 

XXXX is reporting a 30 day late and the payments were never late for this account. 

Walmarts information is inaccurate and I canceled the card not XXXX. 

XXXX is reporting 90 days late and that is inaccurate information. All payments were auto drafted and paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-05
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft, which I have been explaining to Equifax but they continue to make me jump through hoops to remove the fraud information from my reports. I have included the ID theft report as they have requested in this complaint because they keep saying they don't see the last ones that I sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: American Coradius International LLC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2020 I received a telephone call from a company claiming they were collecting a debt I owed on behalf of XXXX XXXX. I told the caller I believed the information was incorrect and would contact XXXX myself. Caller tried to stop me by stating that wouldn't work, etc ; I basically cut them off and said I will contact XXXX and hung up the call. 

I have accounts with XXXX and have funds available in both accounts so this information seemed wrong. I called XXXX and reported the call to the XXXX representative. XXXX confirmed that I owed them no debt ; they checked my active accounts and did a general search using just my name. XXXX told me they are not involved in this collection attempt. 

Now in XXXX I have received a written request to settle this same false debt from a company called American Cordius International LLC. I have a copy of this written request from this company and will upload this below. 

I am reporting this false debt collection attempt to you and am simultaneously sending a registered letter to this company informing them that this debt is false and they are not to contact me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX ; XXXX and Transunion are reporting incorrectly ( 120 ) days late on XXXX partial account numbers XXXXXXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 6 10 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these but I have not been successful.

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 2023-02-17
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: Account information incorrect

Complaint:
XXXX has 7 hard inquires that aren't mine. It is done through fraud. 

Transunion has 18 hard inquires that are complete fraud. 

XXXX has 2 hard inquires that are complete fraud. 

They let companies use inquires to make money. I have not applied for any new credit in 4 years. So these all have fraud issues and take customer service overseas and destroy are laws.

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 2021-10-02
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:
There are fraudulent inquiries on my report that I am demanding get deleted of my credit file. 

They are as follows : ( 1 ) XXXX  XXXX ( Inquiry XX/XX/2021 ) ( 2 ) XXXX XXXX XXXX ( Inquiry XX/XX/2021 ) ( 3 ) XXXX XXXX ( Inquiry XX/XX/2021 )

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 2017-01-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have 3 personal loans with XXXX Bank. One of my loans I have had since XX/XX/XXXX. I have never missed a payment or have been late with a payment. On XX/XX/XXXX, XXXX charged off my loan without any warning to me and for no specific reason. When I called XXXX to discuss error they told me they 're able to charge off any loan they want at anytime. I did n't sign any contract for these terms. This has greatly effected my credit and XXXX has even taken away certain features of their website from me because they claim I have an account unpaid through them. I have disputed this through Experian and all they did was update status to say " never late '', but it still shows account charged off.

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