BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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. 
XXXX Account number ending in XXXX XXXX XXXX Account number ending in XXXX XXXX XXXX Account number ending in XXXX Has Violated my rights 15 U.S.C 1681 Section 602 States I have the right to Privacy 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without a my written instructions 15 U.S.C 1681 ( c ) ( a ) ( 5 ) Section States no consumer reporting agency 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 non-monetary relief
Consumer complaint received 2021-04-16
Company: Paradigm Assets, LLC
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:
XXXX XXXX Debt, XXXX XXXX XXXX, XXXX, MO XXXX was included & XXXX in my Bankruptcy discharge XX/XX/2019. 

JHPDE FINANCE I , LLC XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX added an collection account to my XXXX  credit file for the amount of {$2300.00} stating the collection was opened in XXXX XXXX. The original debtor was XXXX XXXX  according to the collection information on my credit report, this date. 

This collection agency is trying to collect a debt that was listed in my discharge petition from the court. I am requesting that they immediately remove the negative & false information immediately. They have fake contact phone numbers such as the one on my credit report which is listed as : ( XXXX XXXX XXXX which is a sales pitch for life alert. 

Hopefully, they are not doing this to a lot of other people that are just trying to come back from major illness & just trying to get back on their feet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I am writing to formally dispute the information reported regarding the charged-off account with the reference number XXXX # XXXX, XXXX # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  # XXXX,. The discrepancy arises from the differing last active dates reported by TransUnion and XXXX, which has led to confusion and inaccuracies on my credit report. 

Upon reviewing my credit reports, I noticed that TransUnion has listed the last active date as XX/XX/2021 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). This inconsistency has raised concerns regarding the accuracy and integrity of the information being reported, potentially affecting my creditworthiness and financial standing. 

I kindly request that you thoroughly investigate and rectify this matter promptly. I expect the credit bureau to conduct a comprehensive review of my account information and make the necessary corrections to ensure that the reporting is consistent and accurate across all credit bureaus. 

In accordance with the Fair Credit Reporting Act, I am formally requesting that you provide me with a written explanation of the steps taken to resolve this dispute. Additionally, I request that you provide me with a corrected copy of my credit report reflecting the accurate and consistent last active date for the account in question.

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 2023-01-26
Company: KEYCORP
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
THIS COMPANY HAS HELD MY UNEMPLOYMENT MONEY FOR YEARS AND THEIR PROCESSING IS NEVER ENDING. THEY OWE ME AROUND {$1400.00} AND STILL HAVE NOT DISBURSED MY MONEY.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-14
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Balance owed at XX/XX/2019 of {$55.00} Made two payments on XX/XX/2019 : {$55.00} and {$1.00} ; resulting in a credit balance of {$1.00}. Interest charge on next statement of {$1.00} brought balance to {$0.00}. But issuer/merchant refused to accept that full balance owed was satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed on XX/XX/2022 by a fake real estate company that I sent a security deposit to rent an apartment in XXXX, FL. I sent {$2300.00} via XXXX through Santander and then never heard back from the company called XXXX XXXX XXXX XXXX. On that same day I called Santander and was told by the agent that they could already tell they the email address was a fraud. This leads to the obvious issue, if Santander knew that the email account was fraudulent, why did they let the transaction go through? This was clearly fraud and the bank knew it yet did nothing to protect me as a consumer. I find this unacceptable and misleading because bank protected me from Fraud. I have tried to resolve with no success. Please help me resolve with my bank so I can get my hard earned money 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 2018-10-04
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX an ex of mines stole my card. They also went ahead and stole my phone my wallet accompanied by my debit card. I contacted Wells Fargo Bank as of Monday in order to to inquire about my lost card as well as transactions being made on to my account that weren't authorized by me because my card was stolen. I was told that would be checked into and that funds will be directed back into my account after investigation is done. I checked on my account multiple times throughout the week without any type of reach out from Wells Fargo, then on XX/XX/XXXX I reached out to Wells Fargo claims department and they told me that my claim was going to possibly be denied although it was still open that my claim was going to be denied because the ATM transaction withdraws were authorized because he had my ATM pin beforehand. I have a police report number, I have my attorneys number, and I have all documentation from reporting the fact that my things were stolen on that date. When I told Wells Fargo this they still told me that they were not able to reimburse the charges over to me because they claimed they were authorized and valid I asked to speak with multiple people as well as multiple people to take legal action against Wells Fargo because they are being fraudulent as well by letting these charges go through on to my account.. when I was transferred over to a supervisor and let them know that I needed information in order to take that legal action against them they then told me that they were disconnecting the call and hung up on my face I have recordings of this as well as I have again all documentation of the report and of the theft the amount that I am filing a claim for is {$400.00} I need help with this because Wells Fargo is crooked and they are not trying to help me this has interfered with my rent and my living status as well as my food and my transportation please help.

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 2017-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Contacted TransUnion and advised that hard inquiries were deleted and reinserted in my file.  Told Tr ansUnion their glitch caused this problem. Told my representative it 's not his problem.

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 2023-08-08
Company: PNC Bank N.A.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have been working with PNC Bank since XX/XX/XXXX to get Hardship/Forbearance for the two Home Equity loans ; XXXX, XXXX. I was informed on XX/XX/XXXX that I could not get forbearance of the loans from PNC Bank. I have been working with the North Carolina Home Owners Assistance Program, XXXX and XXXX XXXX, XXXX XXXX since XX/XX/XXXX to remedy the payment of the two Home Equity loans : XXXX, XXXX. I still have a case pending with the North Carolina Home Owners Assistance Program, XXXX XXXX, Case Manager. 

PNC Bank has refused to assist me with the Hardship/Forbearance for the two Home Equity loans ; XXXX, XXXX to date. I have received several packages from PNC Bank citing filling out applications for Hardship/Forbearance for the two Home Equity loans : XXXX, XXXX on several occasions. I sent in Hardship/Forbearance application packages on XX/XX/XXXX and XX/XX/XXXX to PNC Bank Loan Dept . My two contacts are XXXX XXXX and XXXX XXXX @ XXXX ext. XXXX. The PNC Bank address is : PNC Bank, XXXX XXXX XXXX, XXXX, OH XXXX. 

I am currently unemployed and can not send payment for the two PNC Bank Home Equity loans : XXXX, XXXX. Can you please provide assistance with the two PNC Bank Home Equity loans : XXXX, XXXX? 

See latest correspondence with PNC Bank on XX/XX/XXXX : Dear XXXX : We are in receipt of your email and attachments. At this time, we are unable to provide you with detailed information via email. If you need additional assistance, please call XXXX and follow the prompts. 

XXXX XXXX on behalf of XXXX XXXX. 
PNC Bank Phone : ( XXXX ) XXXX Fax : XXXX Email : XXXX PNC Mortgage XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Shellpoint Partners, LLC
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX wife to my late husband XXXX XXXX. I am writing this letter in hopes to have the CFPB investigate Shellpoint and the negligence on my home loan. I have been trying to seek Loan Assumption/ Loan Modification with Shellpoint but they have not tried to help. 

Most recent on XX/XX/2021 I submitted to Shellpoint my late husbands death certificate, marriage certificate and Admin docs from the court appointing me tot he property. 

With only my husbands name on the loan I have request for a loan assumptions but as I mentioned above I submitted on Wednesday XX/XX/2021 and they declined me on Tuesday XX/XX/2021 of the following week. 

I don't feel Shellpoint properly reviewed my case, there letter stated not enough income but as you see in the attached forms I have plenty of income to support this loan. I am not requesting a lowered payment All I'm asking is for Shellpoint to place the past due to the end of the loan and allow me to place my name on the loan since my husband past away. 

With Shellpoints quick denial this tells me they never even considered or properly reviewed me. I asked them for a break down on their calculations but they refused. Please help me. 

With my husband XXXX XXXX passing away it became hard to maintain with the payments with no income. My income is now back on track and need help with a loan modification/ Loan Assumption. I need help to get the mortgage current so I can continue with the payments and hopefully refinance out of this loan once I become current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRUIST FINANCIAL CORPORATION
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My annual escrow account disclosure was in error due to an insurance payment counted twice when my insurance co did not receive a payment on XXXX, was then reissued XXXX. 
Customer phone reps have said they paid them twice and to get my money back from my insurance and send it to them. They say that they can not create paper trail for this problem, based on my phone calls, put it in writing. 
We sent in a Notice of Error XXXX and received a letter of receipt XXXX saying an reply was coming within 30 days. 
As of this date XXXX, still no response.

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 2018-12-07
Company: Lending Club Corp
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:
The Comments in the REMARKS Section Placed by Lending Club on my Credit Report are Wrong and Inaccurate and Need to Be Removed. 
Please Remove : PAYMENT MADE AFTER CHARGE OFF/COLLECTIONS PAID PROFIT AND LOSS. 
1. My Acct WAS NOT CHARGED OFF OR SENT TO COLLECTIONS. PAID PROFIT AND LOSS.

2. I AM ACCUSING LENDING CLUB OF DELIBERATELY AND PURPOSELY GIVING ME WRONG/INCORRECT INFORMATION ON OUR RECORDED PHONE CONVERSATION ON XXXX XXXX. 
I WAS TOLD BY 2 EMPLOYEES THE COMMENTS ON THE REMARKS SECTION OF MY CREDIT REPORT WILL BE REMOVED BECAUSE MY ACCT HAD NOT YET BEEN CHARGED OFF. 
3. PLEASE REMOVE ALL COMMENTS IN REMARKS SECTION.

4. PLEASE LISTEN TO VOICE RECORDING OF CONVERSATION ON XX/XX/XXXX. 

THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: Open Dealer Exchange, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XXXX 2023 I went to Dealer XXXX XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX, to obtain extension of my own credit on a 2023 XXXX XXXX with Last 8 vin # XXXX with XXXX of {$42000.00}. The dealer run my credit with XXXX credit Report, where company 700 CREDITXXXX XXXX got a copy of my credit and I was denied for credit. No one from dealership give a paper or answer why I got denied, at this moment of my complaint, on XXXX XXXX 2023, neither someone from dealer or 700 CREDITXXXX XXXX had contact me. I had attached evidence that my credit was pulled by 700 CREDITXXXX XXXX with XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
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:
I have disputed unverified accounts with Experian. Experian is not investigating my disputes accurately! They have not provided me with any verification that proves this account belongs to me but refuses to remove the account. They continuously add unverified information to my 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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to bring to your attention a matter of concern regarding a persistent issue I have been experiencing with Transunion, one of the major credit reporting agencies. Despite multiple attempts to rectify the situation, XXXX has failed to properly investigate and address an erroneous account that has been reported to my credit file by XXXX XXXX XXXX The inaccurate information on my credit report is adversely affecting my creditworthiness and has the potential to impact my financial standing. I believe this situation requires urgent attention, and I am seeking your assistance to ensure a fair and accurate representation of my credit history. 

I have contacted Transunion on numerous occasions to dispute the inaccurate account, providing supporting documentation and a detailed explanation of the error. However, XXXX has yet to conduct a thorough investigation and continues to report the erroneous information on my credit report. 

I have attached copies of the relevant documents, including my correspondence with Transunion and any supporting evidence that substantiates my claim. I have also kept a record of all communication with Transunion, including dates, reference numbers, and the names of representatives with whom I have spoken. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to prompt Transunion to conduct a proper and timely investigation into the disputed account. I believe that the inaccurate reporting is a violation of the Fair Credit Reporting Act, and I am hopeful that your involvement will facilitate a swift resolution. 

I appreciate your attention to this matter and your commitment to ensuring fair and accurate credit reporting for all consumers. I am confident that, with your assistance, we can resolve this issue and rectify the inaccuracies on my credit report. 

Thank you for your time and consideration. I look forward to a prompt resolution to this matter. 

Sincerely,

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 2019-12-17
Company: JPMORGAN CHASE & CO.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/19 I noticed a credit card charge on my card in the amount of XXXX referencing a merchant name of XXXX*. I immediately called my credit card company chase and reported the fraud. They took the charge off. 

Two month later on XX/XX/19 I noticed the charge back on my card. I contacted my credit card company and they stated after doing research the charge was valid. I asked for documentation which was sent to me, everything listed clearly indicated this was a scam as the phone number, email address and 3rd party name were all fabricated. I filed a police report with my local police department. 

The money was picked up in XXXX  XXXX Missouri and picked up by a person with a DE state ID XXXX XXXX refuses to give me the exact location where as I would use this to contact them and ask for surveillance footage and or what there process is when picking up money. is a copy of the id kept on file? 

chase is now investigating this for the third time and I am still waiting on a resolution

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-12-13
Company: Lending Club Corp
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I learned that my checking account was locked by lending club bank via the chat feature while I was attempting to reset my online account password. The customer service representative declined to tell me why they locked my account and was told it had been escalated to management. 

On XX/XX/XXXX, I called twice to see what I needed to do to correct the situation and was not given any answers. 

On XX/XX/XXXX, I called and was informed they just needed a copy of my driver 's license which I promptly sent. 

On XX/XX/XXXX and XXXX, I still had not heard back and called again. On the XXXX they informed me that my file could not be opened and that they needed me to send via pdf, which I did. 

On XX/XX/XXXX, they responded to my email asking me to send the document again and I did. 

It's now the XXXX and I have yet to hear back and have failed to issue me a formal notice on why my account was locked in the first place. Each time I called I provided them with information including my date of birth, zip code, last XXXX digits of my social security number, etc. which should have sufficiently validated my identity.

Company response to consumer: Closed with explanation