BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 XXXX XXXX filing and submitting this complaint. The following credit inquiries currently listed on my Trans Union, XXXX  and XXXX  credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XXXX, XX/XX/20, XXXX/XXXX  XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX  XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX  XXXX XXXX, XX/XX/20, XXXX  XXXX, XX/XX/20, XXXX  XXXX, XX/XX/20, XXXX XXXX  XXXX, XX/XX/20, XXXX, XX/XX/20, XXXX/XXXX  XXXX, XX/XX/20, XXXX/XXXX  XXXX, XX/XX/20, XXXX/XXXX, XXXX, XXXX  XXXX/XXXX, XX/XX/20 XXXX XXXX XXXX, XX/XX/20 XXXX XXXX  XXXX/XXXX, XX/XX/20, and XXXX  XXXX  XXXX  XXXX XX/XX/20 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 2017-11-16
Company: EQUIFAX, 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:
Date XX/XX/XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Date XX/XX/XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Date XX/XX/XXXXXXXX XXXX, MD XXXX ( XXXX ) XXXX Date XX/XX/XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I went online and requested a call back from a car salesman. He then called me back asked me if it was okay to do a " SOFT '' credit check to see what I may be looking at when I do apply for a new car. Before I know it the sales person ran my credit with all these different banks without my consent and he never called me back with any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
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: Public record information inaccurate

Complaint:
I submitted a complaint 1 month ago about my issues with XXXX NOT reporting my credit cards that I pay for monthly for good history. I have a total of 7 cards that should be reporting on each of my credit bureaus, and it is not. They are reporting on my Transunion and XXXX properly. XXXX is the only bureau not reporting correctly. 

CFPB said this has been resolved with XXXX and it has not. 

This is causing me denials for loans, credit cards, and more because lenders pull from XXXX first. This is unethical for me as a consumer because I have worked hard to maintain good payment history and credit age. The lack of reporting is preventing me from benefiting from my financial responsibility. 

Furthermore, I also have bankruptcy accounts showing up on my report and they should not be due to id theft and discharge. I have been discharged and none of these creditors should be shown on any of my credit reports with any bureau. The following lenders are not supposed to be showing on my credit report due to identity theft : 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 2019-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My earlier complaint was satisfied by Bank America. The complaint was filed on XX/XX/XXXX, complaint # XXXX. There was fraud in my son 's checking account. After our complaint was filed, the money that was withdrawn from our accounts was returned. We were satisfied, and maintained our Bank America ( BOA ) accounts. To our surprise BOA apparently revisited the issue just this past month, and claimed my son was responsible for the fraud, & then raided it of all funds and closed the account, which is held jointly with me. The account without any warning was suddenly closed on XX/XX/XXXX. When we called they told it was because of the earlier fraud and that the money needs to returned. Bank America than raided my personal account, and took an additional {$770.00} out of my account. All this was done without explanation. I'm attaching a pdf of the XX/XX/XXXX letters, announcing the closing of the account and the withdrawal of funds from my account. The letters do not explain the reason for why the money was taken out, or the reason for the closing of our joint account. I've called Bank America numerous times. One representative promised that he would investigate, and would get back to me. But that was two weeks ago. When I call I get transferred from one BOA division to the next. I've wasted a lot of time on the phone repeatedly telling one representative after another the past and the present. No one is able to explain. They seem unaware of their earlier letter recognizing that my son was a victim and not responsible for the fraudulent check deposited into his account.

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 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I was recently trying to refinance my mortgage and the lender notified me that I had two instances of 30+ day late payments from XXXX XXXX XXXX I called XXXX XXXX, submitted details to their escalation team and have still not heard back from them. I believe that these late payment ( s ) should be removed due to several reasons : * I was unaware of my Servicing being transferred to XXXX XXXX ( from XXXX ) in XX/XX/2021. 

* I was set up with auto pay with XXXX and this was not transferred. No one at XXXX XXXX attempted to reach out to me to let me know that payment was due. 

* I only became aware of the servicing transfer from my lawyer who tried to get a pay off quote from the previous servicer ( and was notified that it had been transferred ). 

* I called in to XXXX XXXX on XX/XX/2021 to request the payoff quote amount and the customer service rep did not inform me that the XXXX payment would need to be provided that day to avoid reporting late to the credit agencies. She provided a payoff quote reflective of the amount due if paid off in full the next week ( XX/XX/2021 ). She said any payment would impact this payoff # that I needed to give to the lawyer that day in order to close on the sale. 

* I paid the loan off in full on XX/XX/2021. Yes, my servicing was transferred unknowing to me while I was in the process of selling the property and moving to a new property. 

This has negatively impacted by credit and caused me to be declined for a refinance transaction which would have saved me thousands of dollars over the life of the loan. This was driven by operational issues related to the servicing transfer and miss-communication from the XXXX XXXX representative XXXX not a true credit/delinquency event.

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 2017-07-10
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I tried communicating with them XXXX XXXX and they keep playing games it 's my credit report I keep disputing in and they keep removing it and putting it back on there making my credit go down and down and down they are making this a joke and I keep letting them know by communicating with them that this is not my account and it 's fraudulent they keep harassing me every single day and they do n't want to listen to anything I have to say my credit report agencies have communicated with them but they do not wish to do anything please have them remove this from my credit report they keep taking it off and putting it back on two cause my credit to go down even worse they called me and told me they will keep doing and threatening me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian XXXX XXXX  XXXX XXXX, Texas XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, Pa XXXX XX/XX/2020 Dear Sir or Maam, I am taking this time to write you about updating my personal information with your company. 

Please update to my full legal name : XXXX XXXX XXXX XXXX remove all other names or alias such as : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

The post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB : XXXX CC : Driver License CC : Bank Statement Address

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 2017-07-11
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Modification request sent XX/XX/XXXX Docs uploaded XX/XX/XXXX Follow ups until advised on XX/XX/XXXX told alternative income needs to be sourced, unable to reach anyone in department ( XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ) finally spoke to rep XX/XX/XXXX who advised insurance payment is in wrong field. Resent borrowers affadavit with correction XX/XX/XXXX XX/XX/XXXX spoke to SPOC XXXX called weekly XX/XX/XXXX called advised modification denied, no reason in notes, XXXX rep, advised would escalated and reach out to management Advised to send in notice of appeal if no follow up call in 5-7 days from underwriter. XX/XX/XXXX filed appeal XX/XX/XXXX advised appeal request has been received bt it needs additional docs, XX/XX/XXXX sent appeal request hardship letter and docs XX/XX/XXXX spoke to rep XXXX adv 5-7 days to review appeal XX/XX/XXXX after calling weekly with no updated none of the call backs were returned, escalated file, sent email copied Loan Care upper management XX/XX/XXXX received email from XXXX XXXX advising forbearance was approved, received forbearance request, for a 12 month period in the amount of XXXX per month. ( Unemployment income was XXXX per week, daycare XXXX week, car note, car insurance, food gas, yes dint make sense, XX/XX/XXXX reached out to SPOC, spoke about negative credit impact, advised worked for a bank and needed this issue remedied in order to get comparable income to pay mortgage, stressed the longevity of this process, negatively impacted my chance to obtain a credit car increase, personal loan ect. Was advised delinquency unlocks programs to aide customers, versus customers who are not delinquent. XXXX due to negative impact further hindering permanent job opportunities/ forbearance agreement not thought out, and poses a negative customer impact, would prefer Loan Modification. Advised per pay stubs I am working, and would prefer mod. Resubmitted package, to SPOC, was advised this would be sent to underwriting and should hear something prior to first forbearance trial payment ( X/X/17 ) XX/XX/XXXX received email that processor needed me to resubmit docs, not new docs but the same docs. i thought maybe I had saved them wrong. XX/XX/XXXX advised file is with processor, not underwriter, file had not been reviewed. Finally 4 month later I am told after numerous callback request going unanswered that XX/XX/XXXX my file was assigned to underwriter 4 months later My ultimate goal is to shine light on the negative impact caused by the longevity of this process and it further hinders financial resources be accessible to person who reach out for help. Additionally, the purpose of the SPOC needs to be more functional, able, to grab a file, decision and run past management to reduce underwriters pipeline, and deescalate certain situations.

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 2019-08-01
Company: I.C. System, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : This letter is sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

I would also like to request, in writing, that no further telephone contact be made by your office to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit.

All future communications with me MUST be done in writing and sent to the address noted in this letter.

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.

Best Regards

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 2017-11-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Chase has made it difficult for consumers by taking making it difficult for consumers to setup automatic payments. In order to enroll in automatic payments users now have to login to their online banking and even then there are only two options : 1 ) minimum payment 2 ) XXXX payment - a partial payment for spending categories Chase that identifies as a category for consumers to make installment payments. 

What happened to pay in full? This is no longer an option on the App and on the website for automatic payments. This is going backwards and not moving forward. 

Chase is taking advantage of a consumers busy life where automatic payments have made a significant reduction to their late fee income and " banking '' on the fact that consumers like me forget to login and make a payment in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: Convergent Resources, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My wife has received numerous harassing phone calls from XXXX XXXX from  XXXX, TN asking for me, stating they were attempting to collect a debt on a XXXX account that was past due. When this first occurred, I contacted XXXX, who confirmed that I was not in collection and my account was in good standing. <P/>XXXX was the phone number that they called from, and when searching for that number, it comes up as a locksmith company. The persons on the phone have been threatening my wife with collection and negative credit strikes against my credit if we do n't pay. When told that we do n't have a balance with XXXX, they would not listen and again tried to scare us into paying the 'debt. ' They have called twelve ( 12 ) times in the last six weeks

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 2020-09-15
Company: EQUIFAX, INC.
State: WA
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:
Equifax and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: Experian Information Solutions Inc.
State: GA
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:
Im trying to help my son with starting his business and he needed me to cosign for him a business loan. We went to the bank and I was approved because of items on my credit that is not mine. My son has finally got his life together and it hurts me to know that I cant be of help to him. I contacted the police and the FTC. Please remove the items from my credit report. XXXX, XXXX and XXXX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-09
Company: EQUIFAX, INC.
State: TX
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:
On or about XX/XX/XXXX, I received an alert that a new collection had been added to my Equifax credit file. The amount was for {$200.00}. The credit agency only shows a number, XXXX. The entry does not show an original lender. The account number is listed as xxxxxxXXXX. It shows that the account was assigned on XX/XX/XXXX. 

On XX/XX/XXXX, I sent a certified letter to Equifax requesting them to remove the collection account based on section 611 ( a ) ( XXXX ) ( B ) ( XXXX ) of the Fair Credit Reporting Act because it appeared to be the same account that was deleted from my Equifax credit file in early XX/XX/XXXX. The amount, account number, type of debt and assigned date are the same as the account that was removed in early XX/XX/XXXX. However there is no original creditor. I received no notice from Equifax as required by the Fair Credit Reporting Act that this account was being reinserted into my Equifax credit file. The language of 611 ( a ) ( 5 ) ( B ) ( ii ) states : ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to Consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Equifax just sent me notice that they verified that the account belongs to me. When I received the response from Equifax around XX/XX/XXXX, it showed that it was indeed the very same account that was deleted in XX/XX/XXXX. There was no documented proof produced by Equifax proving how the account belonged to me or why the account was reinserted. This is a clear violation of the Fair Credit Reporting Act section 611 ( a ) ( 5 ) ( B ) ( ii ).

Company response to consumer: Closed with explanation