BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2017-08-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Four years ago I requested Chase Bank NA to refinance my mortgage by reducing the interest rate. I was made to believe that my interest rate was reduced to 1.5 %. But last month I received a notice that my interest rate is going back to 5.5 %. I called Chase Bank, and was told that my mortgage was modified for 45 years. I almost XXXX of XXXX XXXX. My original mortgage is for 30 years and I have been in my house for 13 years. I then started to seek to refinance my mortgage through other Mortgage companies. I received confirmation that my mortgage was extended to 45 years. This is definitely criminal. ***I also received a notice from IRS for not including XXXX for {$10000.00} income from Chase Bank.As a result, I had to pay IRS {$1600.00}. I called Chase and was told that it was savings from modification of my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
did not authorize inquiry

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 2020-07-05
Company: CMRE Financial Services, Inc.
State: OH
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:
Im XXXX year old plus senior citizen and retired and I get my medical financial assistance from XXXX and I am not aware or this is a very old information which has been all covered. Kindly remove this from my XXXX  report. Appreciate it and Im very old to handle with these companies and stuff which has been taken care of a while ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I completed fully funding a new savings account @ MARCUS by Goldman Sachs with " new '' funds in the amount of {$15000.00} on XX/XX/2021 ( attached ) after completing the required interbank funding procedure debits and credits and test deposit. 
On XX/XX/2021 I received a marketing offer ( attached ) for a {$100.00} Savings Bonus effective from XX/XX/2021 through XX/XX/2021 that I was unaware of when I opened the described new savings account. 
Upon receiving this promotion offer on XX/XX/2021, 11 days after its effective date and within the time interval specified by the offer requiring only a {$10000.00} funding to be deposited and remain for 90 days I contacted XXXX and escalated my request to be credited the {$100.00} to a supervisory employee XXXX XXXX who initially resisted my request but then agreed to submit a formal request for further review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Dear Capital One, Capital One Account Number : XXXX I recently pulled my credit report from XXXX  and XXXX and to my amazement, saw that you recently have decided to report me 30 days late on this account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As well as 60 days late on XX/XX/XXXX and 90 days late on XX/XX/XXXX and 120 days late XX/XX/XXXX. I immediately disputed this information with XXXX and XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act XXXX FCRA XXXX, as the information furnisher, you are required to notify me of the insertion of negative listings. These incorrectly reporting items have hampered my ability to obtain credit. 
I believe that any judge that looks over the report would agree that it is a violation of the FCRA, FCBA, CCPA and FACTA. The following account listed on my report I demand a full accounting and up to five years worth of records to see if this account is in violation of the FAIR CREDIT BILLING ACT ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ). 
Since I have disputed the lates with the credit bureaus, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. Under the FCRA, you are required to conduct an investigation on this account if I request it. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. 
Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX CC : Attorney General of California XXXX XXXX XXXX I XXXX, XXXX XXXX XXXX XXXX, CA XXXX BCC : Consumer Financial Protection Bureau XXXX. XXXX XXXX Iowa XXXX, Iowa XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I reviewed my credit report and XXXX  and Transunion hasn't remove unauthorize inquiries on my credit report. 

XXXX XXXX XXXX  and XXXX XXXX was authorize in writing by me as I signed documents in person at business establishments. 

XXXX  and Transunion and credit companies doesn't have no written document of my signature of Authorization to pull my credit. I don't provide verbal consent or authorize online, on the phone. 

I am a Citizen XXXX Lifetime, Retired and a XXXX XXXX XXXX XXXX Veteran. 

Also add my former employer on my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX California94607 XXXX..XXXX email : XXXX I retired on Lifetime XXXX on XXXX XXXX. 
I was employed at XXXX XXXX  XXXX from XXXX XXXX till XXXX XXXX. 
Thank You for my accommondation of my ADA Disability Act under Department of Justice. 
With Honor and Respect Always!

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 2022-01-06
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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX Balance {$13000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-27
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The credit reporting agencies are reporting an inaccurate bankruptcy 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
Consumer complaint received 2021-01-27
Company: ALLY FINANCIAL INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I, XXXX XXXX entered a consumer credit card transaction with XXXX and Ally financial on XX/XX/2017. Pursuant 15 USC 6802 XXXX or Ally financial never disclosed to me that I had the option to opt-out of this transaction being reported, this consumer credit transaction included a finance charge Pursuant 15 USC 1605 a finance charge is a sum of all charges in a consumer credit transaction. 
XXXX and Ally not only took a down payment but they advertised down payment in violation 15 USC 1602.

Ally also reported this transaction to a consumer reporting agency which is a violation of 15 USC 1681. This transaction arose from a credit card which is supposed to be excluded from a consumer report.

Pursuant 15 USC 1635 right to rescission Ally nor XXXX never disclosed to me that I had a right of rescission.

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 2020-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/20, I called Bank of America because on their web site it says that the customer can request refunds for overdraft fees, non-sufficient funds fees, and monthly maintenance fees through the banks Client Assistance Program ( CAP ). When I called, the lady tried to tell me that I can only request the credits but that the bank can deny the credits too. That the bank would only credit back any fees that were a result of fraudulent charges. I asked why then does the B of A web site say that the bank will credit back the fees and does not state anything about only crediting back fees that resulted from fraudulent charges. Bank of America is completely lying to all of their customers telling everyone that they will credit back the fees as a good jester because of the coronavirus. The bank will not credit any fees back. This bank is blatantly lying and misleading their all of their customers. They should be held responsible for what they said that they would do and credit the fees back.

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 2021-02-22
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am on a forbearance plan due to COVID19 but i have been current on my loan until i changed my home insurance. My Mortgage went up {$400.00} per month but when i changed insurance companies getting same rate as before my premium didnt lower until XX/XX/XXXX statement and i started new insurance company XX/XX/XXXX. 

It took 5 months to get correct amount which means that is like {$2000.00} extra Shellpoint is trying to get from me. I have been calling and calling to get this resolved. I need to have my mortgage premium adjusted and still nothing has been done.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX Nationwide Credit , Inc. located in XXXX, DE and in other cities and states, sent me a letter earlier to XX/XX/XXXX in which I did not receive by mail, advising me that my account was placed with them for debt collection. Right now, I owe XXXX XXXX  via XXXX XXXX {$1200.00} They are offering me an opportunity to resolve this account for less than the full amount by paying {$510.00}. I must call them or log into their website by XX/XX/XXXX in order to accept this offer. NCI is not obligated to renew this offer. Both XXXX XXXX  and Nationwide Credit are scamming in order to get people to pay certain amounts for XXXX XXXX and both companies can not and should not be trusted.

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 2019-11-12
Company: The Bureaus, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I took out a credit card from XXXX XXXX back in XX/XX/XXXX in the amount of XXXX dollars. I filed a chapter XXXX back in XX/XX/XXXX, and the credit card amount was part of the chapter XXXX, it was discharged. 

The collection agencies which held the debt refuse to close the account. I filed disputes with the credit reporting agencies, it seems as if the credit collections are playing games also with them. The credit collections that I called today XX/XX/XXXX made me go in circle between XXXX XXXX XXXX and the Bureaus. I called these numbers : XXXX and XXXX, I was only getting back to where I started from to no avail..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: Ocwen Financial Corporation
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: Account status incorrect

Complaint:
My home mortgage was refinanced with XXXX XXXX XXXX back on XX/XX/2018 and previous mortgage creditor OCWEN LOAN SERVICING, LLC is still showing a balance of {$81000.00} on my credit report currently. Showing as if I have 2 mortgages open and I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter from BOA dated XX/XX/2019 stating that my issue was resolved and that no further action was needed on my part. It also stated that they would contact the credit bureaus to have them delete the account on my file. Its been three weeks already since that time. I submitted the letters to the credit bureaus myself and XXXX  told me today XX/XX/2019 that Bank of America DENIED the letter that they themselves sent to me. This company is playing games and that account was reported on my file again this month which resulted in my credit score going down again. Please assist. 
( I have a complaint that was already resolved that should be on file )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are addresses on consumer report that have been found to be addresses which do not belong to me, I have never lived at the listed addresses being reported on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have filed 11 disputes over my child support with Experian and they say I am in collections. I got results on XX/XX/XXXX, XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX all of the disputes filed and they will not fix my credit report. I have sent them proof of payment from XXXX county child support and new York state child support and social security.

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 2018-03-29
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Problem with personal statement of dispute

Complaint:
XX/XX/XXXX, I submitted a CFPB dispute and PRA responded back to my CFPB complaint with the verbiage that they are not in fault and they alleged that the Credit Reporting Agencies are at fault. After compiling research this is common tactic and practice of PRA. There are numerous compliments with the XXXX  and the CFPB of PRA reporting as a Factoring company and reporting collections as Installment loans. It is my belief that PRA employs this tactic as a collection practice in order to severely damage a person credit report and to keep the collection scored as both a collection and delinquent revolving account in an unethical and unlawful matter in order collect on more accounts and to recover more revenue. This inaccurate reporting is something that I will continue to fight and I will explore every avenue until this inaccurate trade line is deleted. PRA is breaking FDCPA 803 ( 4 ) which states that ...

" A party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor '' FDCPA 803 ( 4 ).

PRA continues to report their account type as a Factoring company, revolving accounts/ " Installment Loans '' with " Collection '' status and with " Terms ''. This reporting in a violation of FDCPA 803 ( 4 ). PRA is not a creditor and can not report in this manner. There reporting is damaging my credit in a incorrect manner. The reporting is scored as a delinquent installment loan/ delinquent revolving account and as a current collection. A collection is not a delinquent installment loan and should not be reported in this matter.

I have attached a photo of XXXX credit report as evidence and in the original complaint date XX/XX/XXXX I attached a photo from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
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: Their investigation did not fix an error on your report

Complaint:
Received an invoice from XXXX XXXX XXXX in XXXX, Florida for " Emergency Services '', indicating the service date was XX/XX/2020. During this time I was covered by health insurance with XXXX XXXX XXXX of Washington. XXXX XXXX XXXX neglected to XXXX XXXX XXXX XXXX and has reported this invoice to Transunion, XXXX, and XXXX as unpaid medical debt. This is severely affecting my credit score and has caused me to pay higher interest rates on my mortgage and car loan. I have attempted contacting them and working this out to no avail for nearly XXXX months now. Please help me. 
There are XXXX credit agencies reporting for the same date of service ( XX/XX/2020 ). One reported to XXXX is for {$1500.00} and another to XXXX XXXX for {$1100.00}, which is actually a XXXX XXXX  from the same date of service, XX/XX/2020. Neither of which have been able to provide any proof that this is actually a valid debt to begin with. They have provided no documentation with my signature or identification.

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