BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
These are not my accounts. This is a second request. Please remove them. I am not a credit repair company nor am I a mortgage company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: WI
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:
Hard inquiries on report I don't recognize. XXXX XXXX, XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX 
Current Owner : LVNV Funding LLC Reference Number : XXXX To whom it may concern : This company has a false account that is reporting on my XXXX report as a debt that needs to be removed or i will be contacting my attorney ( Information below ) as i just had a settlement with XXXX for false statements on my credit report rewarding me in {$500.00} for incorrect reporting. 
This is my final request for a actual document proving who this belongs to. My final request, send all proven documents to my North Carolina address listed below. 

I have shown given proof that this account is not mine and has never been mine by this so called credit one. I have a signed statement from 2018 that this XXXX XXXX has never had any relations with myself.

Please remove this account and while this investigation is going on you have 30 days of no reporting in which you never abide by before. That is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: Clarity Services
State: WA
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:
Multiple hard inquiries ( seven total ) spanning from XX/XX/XXXX to XX/XX/XXXX by Clarity services on behalf of XXXX XXXX ( leasing company for XXXX XXXX ). These inquires are only on XXXX I tried to resolve with the Clarity services but the only response I got was " we had some computer problems around that time, it 's been fixed ). It has not been fixed for me. They appear on my report as " finance reseller '' making it appear as if I looking for payday loans etc. I 've never applied for personal loan or payday loan. 
I have not looked at my credit report in well over two years, so I was unaware of this issue until I applied for a car loan. 
Also, this means that my credit score suffered for year due to these unauthorized inquires and most likely paid higher interest rates unnecessarily. 
On XXXX XXXX I did lease a phone through XXXX XXXX, but there is no inquiry with that date and no inquires by them since.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 been spending a lot of time dealing with remove a false charge from my credit report XXXX XXXX XXXX XXXX XXXX. I now have confirmation that not only is this a fraud but XXXX XXXX has repurchased the debt from XXXX XXXX- there is no reason for the agencies not to remove this ASAP. To date, only XXXX has removed this fraud charge. 

I had a call scheduled with a debt lawyer until XXXX XXXX got in touch with me. But I am at the pointn where I am considering legal action against both TransUnion and XXXX for aiding and abetting fraud. I would even consider my first ever lawsuit if need be. 

XXXX also leaked my credit score to hackers which their top executives hid from shareholders and the public and traded on. So I have a case against TransUnion but even more of one against XXXX. 

Also some of these credit inquires are incorrect. I have a letter from XXXX for XXXX in that regard and XXXX has two inquiries for XXXX when I dont even think there should be one - this is wrecking my score. Please remove them ASAP Please see attached documents for everyhthing

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 2017-10-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
About 2 weeks ago a deputy officer came to my house knocking at my door saying I owed money to a company. I did not know what he was talking about. I did not not received any notice from any company and the officer could n't explained either, he assumed I knew and started saying he could take my property and sale it in an auction or seizure my wages. Officer is from XXXX XXXX, constable, hes name is XXXX XXXX XXXX. He later sent an unofficial letter to my house with a case number. I went to the court to request a copy and found out that XXXX XXXX XXXX XXXX using the services of XXXX XXXX XXXX XXXX is the company trying to recover an old debt they bough from another company and that is not mine. The debt is from before 2006 I believe  according to what I read on the documents. I never applied for any loans or credit cards to any financial institution mentioned on the documents and I did not even have any credit at that time, nor good or bad, I just did not have credit. I am already filing for identity theft and I already did report the case because I do not want to pay for something that I 'm not responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: RoundPoint Mortgage Servicing LLC
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have been having problems with keeping up with my mortgage payments. 

Roundpoint Mortgage Servicing, XXXX XXXX XXXX, XXXX, NC XXXX is the servicing agent for XXXX XXXX XXXX XXXX, the holder of my mortgage. 

In XX/XX/XXXX, I put the mortgaged property on the market. I did find a buyer quickly, with a closing date in XXXX. I had divided the property to make it more attractive to a buyer who did not want to be a landlord. I was not able to keep up with the payments at this time, so I contacted Roundpoint and let them know that the closing was in XX/XX/XXXX, and they would be paid off at that time. Their customer service people indicated to me that was acceptable, and ceased calling me about being behind in the payments. They gave no indication that there would be any derogatory information reported to the credit bureaus. Roundpoint did file derogatory information during XX/XX/XXXX. 

The closing on the property created another problem. XXXX XXXX made an error on the closing statement, and left me with a {$2700.00} balance to be paid on the mortgage. Roundpoint did commence billing the balance in XX/XX/XXXX, even though I had paid off about {$130000.00} of the {$130000.00} balance. They insisted that the payments start then, and would be at the same amount as before. No adjustment would be made. 

I am still having problems keeping up with the payments. In XX/XX/XXXX, I requested that Roundpoint pay the property insurance out of the escrow. Roundpoint did not, and I paid for the insurance in late XX/XX/XXXX to avoid cancellation. I have requested that Roundpoint move the insurance money from escrow, and apply it to my principal balance. They refused, on the basis that I am one month behind on the mortgage. I would have been able to get current on the mortgage if I did n't have to make the insurance payment. 

There is {$1400.00} in escrow. I have paid the insurance on the property, and the property taxes are taken care of. There is no reason to hold the money in my escrow account. This money would take care of almost 2 months of the principal and interest on the mortgage. Roundpoint would rather leave my struggling to make the payments than release the escrow.

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 2019-10-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX, XXXX AND EQUIFAX ARE REPORTING INACCURATE ACCOUNTS AND INFO THATS NOT MINE. 

Names : XXXX XXXX XXXX- NOT MINE XXXX XXXX XXXX- NOT MINE XXXX XXXX- NOT XXXX XXXX XXXX XXXX- NOT MINE XXXX XXXX - NOT MINE XXXX XXXX XXXX - NOT MINE XXXX XXXX XXXX- NOT MINE XXXX XXXX XXXX - NOT MINE Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX NOT MINE XXXX XXXX XXXX XXXX, FL XXXX NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX NOT MINE SSNs : XXXX NOT MINE ACCOUNTS : XXXX XXXX XXXX- NOT MINE XXXX XXXX XXXX XXXX - NOT MINE XXXX/XXXX - NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Tracking Number ( MTCN ) XXXX Transaction Date XX/XX/2019 Transfer Amount ; {$2000.00} USD Senders Name XXXX XXXX I paid for a money transfer in cash to be sent to the receiver at XXXX in XXXX. The appropriate account number was provided. XXXX states they never received the transfer. We provided copies of the XXXX bank statements to Western Union to proove that the transfer was never received in to the receivers account. I followed up with Western Union to try to resolve the issue. They did nothing to show proof that the transfer was in fact deposited to the financial institution. I believe fraud has transpired either by Western Union employees or employees of XXXX. Western Union offered a better money exchange rate if the transfer was sent to XXXX and that is the only reason I agreed to send the transfer to that specific bank. Now, Western Union is not providing me a refund for using a third party partner or affiliate. This is a major issue and a substantial loss of funds. The recipient did not receive the money transfer at the bank where Western Union sent the funds. I believe Western Union has been negligent in their third party vendor management due diligence. I believe Western Union owes me a refund for the funds that it transferred and which never received by the receiver. If the fraud was committed by the vendor/affiliate/partner bank that received the funds from Western Union, this does not absolve Western Union of its responsibility.  They are responsible for the fraudulent behavior of their partners/vendors/affiliates and I have recourse under the law. I lieu of filing a lawsuit, I would like the CFPB to investigate this issue. The proper resolution is a refund of {$2000.00} USD plus the fee paid for the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: DISCOVER BANK
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:
I charged {$2100.00} to my Discover Card, payable to the TXXXX XXXX XXXX XXXX XXXX XXXX XXXXn XXXX, CO, after signing a contract with XXXX  on XX/XX/21 to eliminate a timeshare on which I am still currently paying maintenance fees. I called XXXX numerous times to determine the status of my contract with them, and finally was notified that the XXXX phone number was " disconnected ''. Emails to XXXX were returned, and their Web Site was no longer available. Finally after checking with the XXXX XXXX XXXX, I found a XXXX XXXX XXXX article that XXXX  was no longer in business and that customers were attempting to get their money back from that contract. I believe that the article mentioned that the Colorado Attorney General was investigating. 

On XX/XX/21 I received a " Notice of Chapter XXXX Bankruptcy XXXX... '' from the US Bankruptcy Court, US Custom House, XXXX XXXX XXXX, XXXX, CO XXXX, a notice that bankruptcy was file with the Bankruptcy Clerk on XX/XX/21. No services of any type were ever received from XXXX between signing of the contract and notice of the bankruptcy. 

I immediately notified Discover Card disputing the charge, and requested that this charge be eliminated, and my funds returned, all on Discover 's Online complaint Site. Initially Discover returned the {$2100.00}, but after an investigation, with a letter to me on XX/XX/21 Discover returned the charge to my card, with no explanation as to why the charge was found " to be not valid. '' On XX/XX/21 I sent a letter to Discover requesting that Discover reconsider my dispute, based upon an inability to reach XXXX through any means, and receipt of the Bankruptcy notice, a copy of which I submitted to Discover. 

I then received a subsequent letter from Discover Card that reasons for the return of the charges to my Discover account would be mailed. 

To date, nothing further was ever received from Discover. There has been no notice to me of a reconsideration of my dispute with Discover, nor a reason why there has been never been a reconsideration.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello. My name is XXXX XXXX XXXX. 
Recently, I found out I was monthly charged XXXX XXXX XXXX twice from XXXX credit report company. It has recurred over a year. I never signed a membership with them nor received an email regarding my membership or account information. The credit card number that has been charged is XXXX XXXX XXXX XXXX. I am very frustrated to find out about this fraud and hopeless without help from CFPB. 
I already tried to settle this dispute with the company, however, it is impossible to talk to any of them. 
Thank yo so much. 
My contact number is XXXX My email is XXXXXXXXXXXX total amount = 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 2020-04-24
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I noticed on XX/XX/2020, Chase Bank restricted online access to my account. The message says " We locked your account to protect it from suspicious activity. '' The message offers a telephone number to call, which is XXXX.After authenticating my identity twice with Chase Bank over the phone, Chase Bank refused to unlock online access to my account. I am unable to reset my password online ; attempting to do so results in the same message. 

Phone access through Chase Bank 's main menu ( XXXX ) was unaffected. I checked my balance and recent transactions using their automated system and did not discover any unauthorized transactions. 

On XX/XX/2020, at XXXX. CST, my first phone call with Chase customer service representative was unproductive. After verifying my identity and sending a one-time passcode which I verified with the customer service representative, she told me she would transfer me to the " internal department '', though upon doing so I only received the main menu of Chase 's telephone system. The phone call lasted nine minutes. 

On XX/XX/2020, at XXXX. CST, my second phone call with Chase customer service representative was also unproductive. The customer representative transferred me to the Chase " Protection Group '', with the direct phone line number mentioned by the customer service representative mentioned as being XXXX. This second phone call lasted 50 minutes and included several holds. 

The line quality of the Chase Protection Group customer service representative was noticeably worse, with several words being inaudible. The customer service representative prompted me to provide my phone number again, which I did so but the poor line quality resulted in her inputting a different phone number. Instead she asked me to answer two identify verification questions, which I passed. She then asked me to run an antivirus scan, which I did. She then also requested that I change my personal e-mail password as well, but I declined to do this. The customer service representative told me she could not assist me further and to call back when I reset my email password. As such I informed her that I would be ending the call. 

I am dissatisfied with the way Chase handled the situation. I appreciate the bank taking customer security very seriously - especially during COVID-19. However, with many of its branches closed, where I could probably unlock my account in person, they should take care to assure that they are not locking their own customers out of their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had a loan in process with quicken loans they assure me everything is ok your loan is approve before we close they said I needed to deposit an extra XXXX dollars on my account I told them I didn't wan na do that so I decided to use another lender I ask quicken loans to transfer my appraisal the problem is that when they transfer my appraisal they put denied instead of withdraw just for this reason the new mortgage told me that by fha rules your debt to income needs to be much lower which it doesn't make any sense a contacted quicken loans asking them to please change it to withdraw I spoke to XXXX XXXX she was REALLY ARROGANT I told her this is my third loan with your company which she didn't care it doesn't take nothing away from your company the biggest loan company to change it I told her but she said just no that she didn't care if I can't get the house just because I went with a different lender I think this was done maliciously and on purpose by quicken loans because they know my situation and they know the fha rules that allow them to treat people like this, my biggest point is that it doesn't take nothing away from quicken loans the biggest lender to change the appraisal so I can get the house that i need for my family I'm also loosing money and been embarrassed please stay away from quicken loans

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Received a letter XX/XX/2019 saying Notice of Sale of Ownership of Mortgage loan. 
XX/XX/2019 I received a foreclosure letter from XXXX XXXX XXXX a foreclosure attorney saying the sale date for my home is XX/XX/2019. The Mortgage Transfer of Ownership Notices / The Truth in Lending Act requires the borrower is to be notified in writing of the owner or assignee within 30 days after the loan is sold. I was notified within 30 days. I have also request mortgage assistance for my delinquent mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Transunion keeps verifying an account listed on my credit report because the furnisher provided them erroneous information. I have never left the XXXX of XXXX at no time. Yet they continue to verify an address Ive never lived at in my life. I dont know much about disputing things but this information they have from said furnishes is violating my rights. Transunion will not remove entry and I have disputed this twice. Once on XX/XX/2022 And again in XX/XX/2022 2022

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