BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Good Afternoon I called XXXX to dispute a few items that are incorrect are my credit report and just received my updated one and the items are still on there. If you could please resolve this I would greatly appreciate it as I am trying to secure an apartment and I need to have a clean credit report. It is very important that the items are updated properly on my credit report. 

The first problem is my current employer does not show on my credit report. My current employer is XXXX. I started working there from XX/XX/2021 to the present. My current title is XXXX at XXXX. Please update accordingly. Also, please note that the previous employers that are on my report are correct. The only issue is that the current one is not updated. Would you please be sure that all three credit reports reflect this. 

The second item in question is XXXX XXXX XXXX in the amount of {$1000.00}. This HAS BEEN PAID IN FULL. Would you please update all three reports to be sure this is reflected that it has been paid in full. 

The third item in question is XXXX XXXX XXXX CARE OF XXXX XXXX XXXX in the amount of {$330.00}. Please be aware that this has BEEN PAID IN FULL. Would you please be sure all three credit reports reflect this? XXXX, Transunion and XXXX. Thank you! 

The fourth item in question is XXXX XXXX XXXX in the amount of {$480.00}. Please be advised that THIS HAS BEEN PAID IN FULL. Would you please be sure to update all three credit reports to reflect this? Transunion, XXXX and 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 2021-07-14
Company: MRS BPO, LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Be advised, validation is requested. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : Provide original contract and not a copy of it which matches the balance being claimed Provide a list of charges that total the amount claim in your original letter Identify the original creditor Do you have the right to collect on the debt The balance claimed as being due is calculated properly The loan has not been rendered unenforceable due to the expiration of the statute of limitations Please be further advised, I dispute the validity of the alleged debt in its entirety. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am suffering from being unnaployed due to covid- 19 and underlying XXXX and conditions. My account was overdrawn for XXXX they charged me a overdraft fee followed by another equalling {$70.00} and threaten to do so again in 5 days. I will have money to cover the original overdraft fee but do to being unemployed and XXXX am unable to pay them extended over draft fees.

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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, I hope someone could help me with the removal of these unfamiliar accounts that are being reported on my files. I have made some letters addressed to the credit bureaus and collections explaining my side. I would appreciate it if this will be resolved right away. 

Regards, 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 2023-02-03
Company: ERC
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: Old information reappears or never goes away

Complaint:
Enhanced Recovery Company is still showing up on my report in the amount of {$290.00}. It also shows the account is open, which is incorrect. It also shows that the account was paid on XX/XX/2021. I paid this balance and the company notified me that they would sent a request for delete to the bureaus automatically after paying the debt to have it removed from all of the bureaus. However, the account continues to show and has not been removed as previously stated by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
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: Personal information incorrect

Complaint:
Incorrect names and alias on credit report with all XXXX bureaus.

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 2017-09-13
Company: JPMORGAN CHASE & CO.
State: WV
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Borrowed {$130000.00}, from J.P. Morgan Chase at 6.75 % and charged {$180000.00} in interest over 30 year loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX / XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681a Section 2 : States that the term consumer report does not include, a report containing information solely as to transactions or experiences between the consumer and the person making the 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 non-monetary relief
Consumer complaint received 2019-01-13
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
To Whom It May Concern, I am writing to you for assistance. I am Chase Bank customer. In XX/XX/XXXX, I was charged a total of {$1500.00} in NSF/overdraft fees. In XX/XX/XXXX, I was charged {$1100.00} in NSF/overdraft fees. In XX/XX/XXXX, I was charged {$1900.00}. In NSF/overdraft fees. In XX/XX/XXXX, I was charged {$2600.00} in NSF/overdraft fees. It goes back further, but these are the numbers I have. The bank had reversed a few fees through out each year as a courtesy. I have been charged numerous {$34.00} fees for {$15.00} and under charges. I have reached out to Chase several times online and within local branches requesting help. I feel strongly there should be a cap on what can be charged in a year and if a purchase is {$15.00} and under, a fee should be waived. This has been a snowball effect on us. Once we are behind, we cant get caught up. We need help. We are beginning each pay check behind. I am looking for the total of {$200.00} fees charged this current month of XX/XX/XXXX reversed and not effect the courtesy waivers of 3 per year. Hopefully, if we start the year whole, we can avoid running into this ongoing problem in the future. This has to stop. We have paid Chase {$7400.00} within 4 years! Thats a ton of money that we dont have. I dont know what can be done in reversing more from past years, but Please help us!!! I greatly appreciate your time in this matter!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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: 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:
How Im the world can yall update my credit score with closed accounts late payments if its closed wats late on it its against the law to to do that please stop updating my account wit those accounts thats closed and fraudulent they are are fraudulent accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and more if a account is closed and fraudulent how am i continuing paying for the stuff if its close please remove these items off my credit report they are fraudulent and not mines please please remove 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 non-monetary relief
Consumer complaint received 2022-10-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
A few years back in 2013, my identity was stolen, I was out shopping with my mom for the holidays and someone swiped my wallet. Since then, the person that stole my wallet has opened accounts in my name with out my permission and now my credit is messed up, I am in the process of trying to fix my credit and this is not an easy task to do when I cant even open a simple second chance account. With me being in XXXX because of this I have to use third party banking like XXXX XXXX XXXX XXXX and thats not fair to me. I want to be able to go into a bank and speak with a banking professional when I have an issue but I cant do that with XXXX XXXX XXXX XXXX. If you are offering second chance banking without using XXXX then thats exactly what you should do. Instead of falsely advertising that then when people like me sign up, I get denied because you actually secretly used XXXX  to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I built our home and closed on our home in the end of 2018. They lender failed to provide us with accurate figures in the truth in lending disclosure as it relates to the estimated taxes on the home, and this has now caused a shortage in our escrow account, raising our mortgage payment by close to XXXX $ per month. While the shortage is accurate it is a result of them estimating our property taxes using an inaccurate figure at the time of closing. The land was valued at {$29000.00} by XXXX county GA the improvements to the land that were appraised prior to closing were {$290000.00}. Wells Fargo only estimated taxes for our escrow account baced on the valuation of the land ( XXXX ), not the land and then improvements as required. This resulted in them providing us an inaccurate estimated monthly payment when we did our mortgage. Now to make up for that shortage in escrow they expect us to pay an unreasonable amount additional per month. Had we been provided a more accurate in good faith estimate by the lender at the time of closing we could have had the opportunity to evaluate our finances or perhaps shopped around with other lenders. I spoke with the tax accessors at XXXX county today XXXX. Wells Fargo would not have given us a mortgage for XXXX if the land was only worth XXXX which they estimated our taxes for escrow on.

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 2018-02-06
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been working with XXXX XXXX, now Navient to keep my payments within a reasonable range for years. At first they were able to put my payments in forbearance ( 6 or 7 years ago ). They said it only puts the payments on hold until I am able to afford them. At the time I was making very little money on a commission based job. That never mentioned it would raise my overall loan amount significantly. Eventually I began making enough money to pay them back and they enrolled me in a program to pay about $ 200/month or so. I do have other student loans I am paying off as well. This was working for me for a while, but I noticed my total loan amount was not going down. Apparently all I was paying was the interest. I was young, fresh out of college, and didn't know the questions to ask until later in my life. I've now been working with Navient and they are not able to get my payments into a reasonable amount anymore. I've been paying over $ 500/month for the last couple of years. They are telling me that they can no longer do this and beginning in XXXX my payments will become $ XXXX/month. I can hardly afford the payment now. We had a XXXX about a XXXX  ago who has had many XXXX XXXX and caused a lot of medical bills. I am trying to stay above water and Navient seems to show no sympathy. I did some research and saw that there are lawsuits going in and I'm hoping maybe something will happen to help me and my family. In my opinion, my XXXX   comes before my student loans. I make enough money to not get help, but not enough to afford what they're asking. Navient has been rude every time I call when all I am doing is asking for help. I want to repay my loans, I don't like asking for help, but I've finally given in. When I called this morning to try one more time they suggested I look into getting a second job. I work over 50 hours per week, sometimes I'm traveling Monday-Friday for work. My wife stays home to take care of our XXXX  and ensure he gets the care he needs. I like how they feel they know my life and situation better than I do. If there is anything that can be done, please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I was never late on this account. Please check the status on this account. 

Inquiry XXXX This inquiry was not authorized

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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Professional Placement Services, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A written letter request of Validation of debt was sent XX/XX/2022 to Professional Placement Services [ L.L.C ]. This company responded on XX/XX/XXXX with only one forms of the validation consisting of amount owed and the organization. 

Professional Placement Services [ L.L.C ] has failed to provide copies of any papers that show that I agreed to pay the amount you are stating is owed. 
Provide a verification or copy of any judgement if applicable. 
Prove the Statute of Limitations has not yet expired on this account. 
Provide me with the license that you are allowed to collect within my state. 
Provide me with license numbers and Registered Agent or Agent of Service/s. 

Professional Placement Services are in violation of the following 3 below : Violation of the Fair credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation Of Character Professional Placement Services [ L.L. C. ] has failed to provide proper documentation as requested in the following Declaration. During this time all collection activity must cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Unifin Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Unifin is calling my phone asking me to verify my social number and refusing to answer my questions about the legitimacy of the business. They stated they have a personal matter with me. I told them if you are a business then you have a business matter with me. I asked to speak with supervisor. Even supervisor was bo help. I just want to know who they are and what do they want? 

XXXX is the number they call me from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Radius Global Solutions LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Radius Global Solution LLC, XXXX XXXX XXXX XXXX, MN XXXX. Has been sending me collection notice balance {$550.00}. The collection has reported as a pass due balance. I dont know this company. I have never done any business with this company. This company doesnt have a contract with my signature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to fix this situation with XXXX which they sold this fraudulent account to NCB Management Services, I have sent letter to provide information of : 1. The original Retail Installment Sales Contract or Lease Agreement, associated with the sale and financing / leasing of this vehicle. Please be sure to include any arbitration provisions. 
2. The full payment history on this account. That includes monthly balance, required minimum payment, and the actual amount paid. Please be sure to include the date of each payment. 
3. The Notice of Sale / Notice of Default, informing me of the date, location and method through which the vehicle would be sold, and how I could redeem the vehicle. Please provide proof of mailing for this letter. 
4. Explanation of Calculation of Surplus or Deficiency, including an itemized description of costs and fees. Please provide proof of mailing for this letter. 
5. Any notices regarding our clients right to redeem personal property contained in the vehicle. Please provide proof of mailing for this letter. 
6. Details regarding whether this was a public or private sale. If this was a private sale, please advise as to whether this was a wholesale transaction ( dealers/ vendors only ) or open to non-professional buyers. 

Nothing has been sent back to me. Letters were sent on XX/XX/2022, XX/XX/2022, and i even submitted complaints of fraudulent activity via the CFPB about 1 month ago and XXXX 's response was that they sent a letter of their investigation. No investigation happened though.

Company response to consumer: Closed with explanation