BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-29
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 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 ), It 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 or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-01-31
Company: Selene Holdings LLC
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX We were working on modifying our forbearance, due to the XXXX pandemic. Our loan was sold to Selene Finance, they were amazing at first. Very understanding, and willing to help. We filled out the application online and waited. 
XX/XX/XXXX we were sent a packet, stating a modification, raising our interest rate and taking the loan our for 480 months. We were not excited about this rate hike, but the payment would be close to the same, we were under the impression were going to do a partial claim and the lump sum would be added to the end of the loan, and we would keep our rate. Again, we were told to fill out the application, they had dropped the ball on our timeline, their fault, but they would work on it, and we would modify soon. 
We have received a foreclosure notice but are reassured our home is not in foreclosure. 
We have been told this and that is missing, they won't accept this, this is what needs to happen, etc. Again, stalling the process so we are further behind. 
XXXX has sent an inspector to our property, and the inspector not only once but twice has spoken to a third party who is not on the loan, about our loan. When I brought it to the attention of customer service, I was told the inspector for XXXX could speak to whomever they pleased about our loan. NOT TRUE! 
XX/XX/XXXX we finally received another modification letter. The letter I received, was missing pages and very vague. We needed to respond within XXXX days of receiving this letter. When I contacted customer service, they emailed me an entirely different set of papers. We are approved but the rate jumped to 7 % for 30 years and the payment is now over {$500.00} a month more. this is not in our best interest. The dates and amounts do not match, nor do they add up. They want us to make the first XXXX payments to an account that will be put into a suspense account. With XXXX being the first month of the modification. We can only pay with certified funds. From what I understand, from complaints on their website, they won't post your payments. 
I am in the process of working with my states HAF program to help, they said this is not what is supposed to happen. There are government programs to help do what's in the best interest for borrowers, because of the pandemic, and I feel XXXX is dragging their feet, so our loan becomes more delinquent, and they can take our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 confiden

tiality under 15 USC 1681. 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 non-monetary relief
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 checked my credit report and found that some of the data wereincorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by FederalLaw to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed this item on XX/XX/2020 and they removed it, but it has been sold to another company and has been re-added to my credit file. 

Account : XXXX Account # : XXXX Under Section 602, I have a right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Experian Information Solutions Inc.
State: IN
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX placed a hard inquiry on my credit report. 
XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX also appeared as hard inquiries on my report. 
I have never inquired requested or even heard of any of these companies which are located in several different states and I have no use for banking services I can't physically visit for assistance. I advised Experian and XXXX of my dispute via telephone and was told I must contact original creditor listed above. I contacted 3 of the above creditors to see how they got my information, they required my social security number, name and address to check for my information and I was told no record of me could be found, and they are unable to send any type of request to remove from credit report since they have no demographics or file with my information. 
I contacted Experian and XXXX XXXX again with information above and request to remove hard inquiries, I was told I must send written dispute and request inquiries be removed. 
I mailed 2 dispute letters to Experian, XXXX and XXXX XXXXXX/XX/XXXX and XX/XX/XXXX no response. I Called to check status on written disputes after 30 days on XX/XX/XXXX. No record of my dispute can be found with Experian, XXXX or XXXX XXXX. 
Called XXXX XXXX and XXXX again they still have no records of my dispute and are unwilling to help me get this resolved and remove these unapproved inquiries.

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 2019-12-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2019 they charged me on my statement for {$4100.00}, I disputed due to a fraudulent charge they sent me a letter dated XX/XX/XXXX. I did not receive it till XXXX XXXX and I faxed HSBC the Additional information form and have proof it was received. A letter dated XX/XX/2019 arrived today saying they did not get form. I have the fax saying it was successfully sent. There were no calls or anything just this letter I did receive today. I am writing to get this corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: LDF Holdings, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I have tried to contact them several times. They keep telling me that to cancel my loan application I will need personal information which I will not give them. I never contacted or applied in the first place. I keep receiving your payment is due emails but they are deceitful as they want me to complete the loan app online to receive the loan so that I can make a payment. 

" Just in case you needed a little reminder, XXXX. 
Your next loan payment of XXXX is due on XX/XX/2019. 

To avoid any additional fees, please make sure the funds are available in your account. 

If you have any questions, please contact Customer Service. 

View Payment Schedule ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Commonwealth Financial Systems, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
BACKGROUND : Commonwealth Financial Systems Incorporated is attempting to collect a debt they purchased from XXXX XXXX XXXX. XXXX XXXX XXXX is the original creditor. XXXX XXXX XXXX. Commonwealth Financial Systems. I am not responsible for either one of these debts nor am I liable for this debt. 

STATEMENT OF FACTS : On XX/XX/XXXX, I filed a complaint against Commonwealth Financial Systems Incorporated stating I am not responsible for this debt. Commonwealth financial responded ( see attached Document ). They stated this debt will be removed from my credit reports until it was verified. They also claimed to be sending me a debt validation letter. I never received a debt validation letter as they claim. I received a bill and an attempt to collect a debt that I do not owe. ( See attached documents ) On XX/XX/XXXX, I contacted the original creditor XXXX XXXX XXXX, who's phone number is ( XXXX ) XXXX and informed them that I was covered by insurance at this time and they did not have the right to bill me. My insurance then contacted a representative named XXXX at XXXX XXXX XXXX to resolve this issue. My insurance informed me that this matter is now resolved. And I am not liable for this debt. 

On XX/XX/XXXX I contacted XXXX XXXX XXXX and spoke with a representative named XXXX. She informed me that ANY debt I owed to them has been resolved NO amount is owed to their company by myself. XXXX at XXXX XXXX XXXX informed me that she had contacted Commonwealth Financial Systems Incorporated and advised them to remove the account from collections and to contact all 3 credit bureaus for removal of this account. XXXX stated that Commonwealth Finacial Systems Incorporated is refusing and/or not responding to the demands of the original creditor for removal of this account.

I spoke with Commonwealth Financial Systems Incorporated on XX/XX/XXXX and the representative stated no one from XXXX XXXX XXXX has contacted them at all. I then called XXXX XXXX XXXX again and they assured me that they have contacted Commonwealth Financial Systems Incorporated in an attempt to advise them that this account is not collectible as no money is owed by myself. Commonwealth Financial is refusing to or not complying with the demands of the original creditor.

Conclusion : Commonwealth Financial Systems Incorporated needs to remove this account from all 3 of my credit reports effective immediately. I am not responsible for this debt. He holds no obligation in paying this debt. Commonwealth Financial Systems Incorporated is required by law to conduct collection practice in a fair and ethical manor yet they are failing to do so and willingly violating state law, federal law and consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
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:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
On XXXX XXXX I made my XXXX mortgage payment. I saw on my BofA statement that it had gone through. A week later XXXX informed me via text I was almost at {$0.00} in my account. Something that I knew had to be some mistake. I found out through research that Chase had taken a 2nd payment in my previous amount ( prior to escrow change ). I had changed that to the new amount 2 months before however they continue to insist I went online and did it -I did not. When called on this Chase said they 'd reverse but it would be 7-10 days. 
I was leaving the country so I called BofA and they said they 'd cover the amount till it got reversed, They did n't say they would do that by sticking their hand into Chases pocket. 
So then there were several reversals and Chase took money back using my original XXXX XXXX payment to cover themselves and then reported us to the credit bureaus as XXXX not being paid -dropping our scores considerably. 
I was not aware of any of this till I returned home and then all Chase wanted was another XXXX payment. I had statements showing it paid and did n't want to pay more till this was resolved, that took over a week. At that point when we finally unraveled everything I paid XXXX again and XXXX but our credit was already negatively affected. 
Chase eliminated the " late fee '' but refuses to contact the credit bureaus for a reversal claiming it was n't their fault. It was n't ours, we paid in full and on time the rest was one mistake after another none of them ours. We had been paying Chase on time for 7+ years. 
Even before we had planned to refinance our loan. Now our mortgage person wants us to try and fix this before he proceeds so here we are as he recommended.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, 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:
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 XXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX  XXXX Account numberXXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: XOOM CORPORATION
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
Xoom Corporation advertises and says that money remittance to XXXX Banks will be done within 4 hours during XXXX Banking hours, because of this feature whenever I need to send money immediately I use XXXX hence on XX/XX/2016 XXXX PST I had sent some money to XXXX and the transaction number is XXXX after few minutes I saw the transaction status got changed to delayed and there was no mention why the delay and then I contacted customer care and they said they have some problem with their XXXX Banking partner and its delayed for 3 days, then I asked them to cancel so that I can send money with other remittance providers but they said we can not cancel since the partner had already processed and I had to wait for 3 days but still the transaction was not processed and had to call several times to cancel the transaction. I was supposed to give money to someone in XXXX hence I used xoom to send instantly because of xoom irresponsible and pathetic service I had incurred a loss of XXXX and no proper notification and false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
State: VA
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:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XXXXXXXX XXXX, XXXX, XXXX  which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX XXXX, XXXX ( this Collection agency ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Represented by XXXX XXXX ESQ. BAR # XXXX, XXXX XXXX ESQ. BAR # XXXX and XXXX XXXX ESQ. BAR # XXXX On XX/XX/XXXX They levied {$1300.00} from our bank account, our only income to pay our modification mortgage monthly payment. 
On XX/XX/XXXX I called and spoke to Miss XXXX XXXX, Left a message for Mr XXXX XXXX ext XXXX. Spoke to Mr XXXX XXXX, and Manager XXXX XXXX ext XXXX who promised to contact the American express company to release the funds. He told me he would call me back no later than Monday but he did not. So I call a few times and spoke to XXXX and then XXXX XXXX who was verbally abusive. It turn out they both were just lying to me. For they were doing nothing the release the funds back to my account. 

My husband ( XXXX years old ) with increased health problems ( XXXX XXXX and XXXX ) does XXXX  so we can pay our mortgage payment timely. 
Myself, due to severe health condition ( XXXX and XXXX ) has not able to work for the past few years. 
XXXX/ XXXX, when the real estate market crashed both my husband and I had lost our jobs. 
We used our reserves to keep up with the increasing mortgage payments and credit card payments. 
But shortly after, we were bankrupt and could not make our payments on our mortgage or credit cards. 
In XXXX, our income had improved and we were able to get an affordable modification with a differed amount of {$200000.00}. 
Since then, we are able to make our mortgage payments but not able to pay any other debts. 
Please, kindly help us retrieve our money back from this collection agency for this levy has jeopardizing our mortgage monthly payment. Please help us

Company response to consumer: Closed with explanation