BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-29
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:
Given that Transunion is acting in bad faith and have not complied with the Fair Credit Reporting Act 611, I am filing this complaint.. I have attempted to have XXXX clear up this matter since the listed items are entirely inaccurate and represent a very serious error in reporting. CFPB amp up and resolve this for me. Remove XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : MEDICAL ) 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 explanation
Consumer complaint received 2018-11-29
Company: Experian Information Solutions 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:
Given that Experian is acting in bad faith and have not complied with the Fair Credit Reporting Act 611, I am filing this complaint.. I have attempted to have XXXX clear up this matter since the listed items are entirely inaccurate and represent a very serious error in reporting. CFPB amp up and resolve this for me. Remove XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : 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 explanation
Consumer complaint received 2018-06-15
Company: WELLS FARGO & COMPANY
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX, I purchased a XXXX XXXX from XXXX XXXX XXXX in XXXX, Illinois, for the total amount of {$2200.00} purchased through XXXX XXXX XXXX XXXX, Phone # XXXX. I was told by XXXX  that I would have 18 months to pay this off interest free. After 18 months, I would begin to pay interest on the amount unpaid. I agreed to this. I paid {$77.00} per month for 18 months and on XX/XX/XXXX, I received a statement where XXXX XXXX XXXX XXXX added an interest charge of {$340.00} for the 18 months previously. I called Wells Fargo on XX/XX/XXXX and disputed the charge. I talked to XXXX from the Executive Office at XXXX XXXX XXXX XXXX   and was given the name of the Executive that would be helping me find a resolution to this charge. His name is XXXX XXXX I was given a Case # XXXX. On XX/XX/XXXX, I called Wells Fargo to check the status of my case. I talked to XXXX. He stated that he would be sending an email out to XXXX. Still no response. On XX/XX/XXXX, I called Wells Fargo again and spoke to XXXX. XXXX   states that they can not help me because I agreed to the terms. My argument was, that I did not agree to pay on interest that was deferred for 18 months, and that I had agreed to pay the interest after the 18 months.

I feel that I was incorrectly informed regarding how the interest rate worked and can not agree with their resolution of writing off the interest and paying the remaining balance of {$1100.00}. I could not afford the XXXX XXXX then and I can not afford to pay the balance in full. That is why I agreed to pay in monthly installments.

Anything that you can do to help me financially would be appreciated.

Thank you for your time.

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 2018-11-29
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
REQUEST FOR XXXX AND OR PERMANENT MODIFICATION BY CHASE WAS HELD FROM XX/XX/XXXX TO XX/XX/XXXX OVER A YEAR AND NEVER COMPLETED WITH ALL REQUESTED INFO SENT. XXXX XXXX XXXX TOOK OVER A YEAR TO FINALLY APPROVE A PERMANENT MODIFICATION IN XX/XX/XXXX WITH A AFFORDABLE PAYMENT AMOUNT BUT AFTER A YEAR OF PAYMENTS BY ME ON TIME DECIDED IT WAS NOT A PERMANENT MODIFICATION. THIS IS NOT SHOWING ON MY CREDIT REPORT. I HAVE ASKED ABOUT MY CREDIT REPORT TO XXXX JUST RECENTLY AFTER BEING DENIED FOR AN APARTMENT. I HAVE ASKED IF A STATEMENT COULD BE ADDESHOWING SHORT SALE IS APPROVED AND SINCE LOAN NUMBERS ARE THE SAME FOR CHASE AND XXXX THAT ONE ENTITY BE CHANGED ON CREDIT FILE. I HAVE ASKED THIS BECAUSE OF THE ADVERSE REPORTING EFFECT OF ME UNABLE TO PAY NOW WILL HAVE ON ME AND MY SON 'S CREDIT SCORES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS:XXXX XXXX XXXX XXXX XXXX XXXX   , XXXX XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURRENT ADDRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  THIS IS NOT MY ADDRESS ( I HAVE NEVER LIVED HERE ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address.

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS: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 explanation
Consumer complaint received 2016-07-12
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I am being denied a Harp from Ocwen. They said I have already had one Harp, when the modification offered me was not Harp compliant because it was and ARM loan. I lost significant income in XXXX of last year and have struggled to stabilize financially. I have recently recouped enough to meet a modified mortgage and am being told by Ocwen my only option is Short sale or Dead in Lieu ... .I am XXXX ... and my daughter is XXXX ... I can not move and feel that with a modified mortgage I do n't need to. I have the supporting documentation to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: Receivables Performance Management, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this debt on XX/XX/2018 over the phone with a call rep. I would like for this debt to be DELETED from all credit bureaus its stopping me from getting a home and having good credit. Please DELETED this account. 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 2018-11-29
Company: WELLS FARGO & COMPANY
State: GA
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  has been non-compliant with removing the unverified account WELLS FARGO HOME MOR which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that WELLS FARGO HOME MOR was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-11-29
Company: National Credit Systems,Inc.
State: GA
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 has been non-compliant with removing the unverified account NATIONAL CREDIT SYSTEMS INC Opened Date XX/XX/2012 which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that NATIONAL CREDIT SYSTEMS INC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: Experian Information Solutions 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:
Given that Experian is acting in bad faith and have not complied with the Fair Credit Reporting Act 611, I am filing this complaint.. I have attempted to have XXXX clear up this matter since the listed items are entirely inaccurate and represent a very serious error in reporting. CFPB amp up and resolve this for me. Remove XXXX XXXX XXXX XXXX, XXXX XXXX,, XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : 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
Consumer complaint received 2018-06-20
Company: Experian Information Solutions Inc.
State: NY
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:
See list of inquiries on my credit that I did not authorize and I know nothing about. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 2018-06-14
Company: JPMORGAN CHASE & CO.
State: KS
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2017, I used my Chase VISA credit card to purchase some interstate moving services from XXXX XXXX XXXX XXXX. I made a payment to XXXX XXXX XXXX XXXX with my VISA card of  {$810.00}. However, the moving company did not deliver many of the goods that I contracted them to pack, move, and unpack. I spent several months trying to resolve the issue with the moving company. But the the moving company was unresponsive. Therefore, I disputed the charge with Chase. My dispute and appeals to Chase did not result in a single attempt from Chase to reach out to me for further information. In fact, Chase sided with the merchant each through the dispute and the appeals and was unable or unwilling to help resolve the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My issue was hard to define with the previous questions you asked. 

I have a credit card TJX Rewards/XXXX, previous credit line of {$5000.00}. After much usage previously but no immediate need over the last 12 months, they reduced the line from {$5000.00} to {$1000.00} without any previous call or notification to discuss their concerns and as a result forces me to either use their card or deal with the decrease in my credit score. Pure blackmail by requiring me to use their card and now ... considering what I have historically spent in their stores, damage my credit further by having an unhealthy percentage of credit usage on my card. 
They know exactly what they are doing. While my income and credit score has increased since originally securing this card, they have never dropped my interest rate. They claim they are simply following a process and in fact they probably are. A process created by scheming accountants and executives finding creative ways to pressure usage just like the cigarette companies prompted addiction to nicotine. 
I am a XXXX XXXX overwhelmed by regulation. How do you let these companies get away with this?

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 2018-06-15
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Last Tuesday, XX/XX/XXXX, I was making an ATM deposit at my local SunTrust 's drive thru. I put in two checks, one for {$1000.00} and one for {$960.00}, and the ATM read something like : ||Number of checks : 2 ||Number of checks read : 1 ||Total amount : {$960.00} ||Since one check wasn't read, I cancelled the deposit completely out of habit when this happens. The ATM spit out one of the checks, and made a lot of whirring and squeaky noises without the {$960.00} check coming out. The ATM said something like : Transaction cancelled. Thank you for banking with SunTrust. 

I called the SunTrust XXXX number while sitting in front of the ATM. They told me to talk to someone in the branch. 

I walked into my bank branch and talked to a customer service representative. She told me to email corporate customer support. 

I emailed customer support. They told me to call their fraud prevention department. 

I called fraud prevention. They told me to download a fraud incident report, fill it out, and fax it back to them. 

I faxed the report. I was notified as I did so that this may take up to ten days. 

This is an awfully long time to be missing that much money because of a blunder on the bank. My personal accountant told me to just ask my client for another check and cancel this " fraud claim '' investigation ( which the bank assures me it's being handled by the proper department ). I asked my local branch rep. She told me to not take any other action ( ask for a new check, cancel the " fraud investigation, '' etc. ) because it might inadvertently cause a returned check fee, for which they " would not be held responsible. '' I called yesterday, XX/XX/XXXX and asked for a manager to check on the status. I was told it's likely going to be another week before they have an " outcome, '' since it's ten BUSINESS days, which would be on XX/XX/XXXX. 

I've already opened my first credit union account. Honestly, at this point I want this situation resolved so that I can close my account completely and take my business elsewhere. I'm not hurting for the money at the moment, but it's an awful large amount of money to be sitting around wondering if they will find the check, or if it's been chewed up in the ATM and I need to ask my client to cut me another check, for which I'm positive SunTrust will not reimburse anyone the cost for a stop payment fee. 

After fifteen years of banking with them, it's always been underwhelming, but I wasn't in a great position to change banks until recently. After numerous sketchy overdraft protection fees while I was in college, the bouncing back and forth from a free to paid checking account without notifying me when it's converted back to paid, nothing SunTrust has ever done felt like they had me in mind.

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 2018-06-15
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX sent a letter in the mail claiming I owed a debt form an account paid off. They purchased an debt file and are claiming they want to collect without providing any proof of the debt just my address an balance. They refuse to send me evidence to the validity of the debt and threatening to report it to a credit agencies. Currently this debt is not on my credit file with any of the three major agencies hasn't been ever. Now they are threatening to ruin my credit with no evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-29
Company: EQUIFAX, INC.
State: NY
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 tried talking to the company and explained to them that this accounts are freaud. They have been removed from other credit bureaus and Equifax for some reason reporting same act 3 times. I provided all paperwork and no one is doing anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-21
Company: Resurgent Capital Services L.P.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2017, a 30 delinquency was reported on my credit report, i called the credit card to inform that no purchase was made so no balance due, no payment to be made, The informed me that a monthly charge was hitting my account, even without my knolodge,. I calmly asked them to remove the negative information and they agreed and from that point on i was pleased with their customer services, fast foward the delinquency still showing on my account and i am hopeless at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Holloway Credit Solutions
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I paid my bill by the phone, but asked for my receipt, because I need it to get a refund of my insurance. But they told me that I cant get it by phone, or email and right now I am out of the country. They gave me " confirmation number '' that I cant do anything with it, so my question is, how can I pay something and they cant give me my receipt? I paid it by phone last week, on XX/XX/2018, the amount was : {$420.00}, devided in 3 months, the company is Holloway Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2018 I called in to attempt to resolve an account. 3 representatives hung up on me and would not transfer me to my account representatives or a manager. Their names were XXXX, XXXX, and XXXX. XXXX refused to transfer to either and hung up. XXXX used inappropriate content and verbiage and also hung up. XXXX was pleasant but she also hung up. Is quite sad that this is how a collection agency treats people who are actually trying to resolve a debt

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 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX  and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2018-02-21
Company: Experian Information Solutions 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:
experian, XXXX, and XXXX  has taken more than 30 day for my dispute a violation of the cra sent police 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