BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have requested a proper documentation about the items to prove that the unauthorized inquiries are accurate. However, they did not respond to my request on the given specific days. Under 15 U.S. Code 1692e. False or misleading representations- ( 8 ) they failed to notate these items and it was in dispute within 30 days now. This account is in violation. 


XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : 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 2019-06-26
Company: HOMETRUST MORTGAGE COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Was applying for a mortgage refinance through Hometrust Mortgage, representative XXXX XXXX XXXX, and submitted ALL the requested documentation. On XX/XX/19, he took it upon his self to run my credit report without my authorization, or siganture even though I had forwarded him a copy of a credit report that was pulled on XX/XX/19 by another mortgage lender that I had been in previous contact with. Upon attempting to have the unauthorized credit pulls preformed by the bureaus on XX/XX/19, it was discovered that I had credit freezes from previous identity theft on my credit reports, and that I would have to have the freezes removed! 

At that point, he started acting discriminatory with his customer service conduct blowing off my phone calls, and email communications when I clearly was attempting to contact him to confer with why he had not communicated that he was going to request a credit pull, so I could inform the bureaus to remove the freezes. This went on for about 5 days until I sent a text message to his friend XXXX from XXXX XXXX who referred me to him. After seeing the text he contacted me at XXXX XXXX basically saying XXXX me, and my loan file, in addition to racially disparaging me which I have documented text communication of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: EQUIFAX, INC.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2020 I discovered that there is a debt on my account from XXXX XXXX and it doesn't belong to me. It may have belonged to XXXX XXXX XXXX XXXX and he is deceased. I have attached a police report to this complaint and want to have this resolved asap. My identification number is not the same that they have on file. PLEASE LOOK AT MY DRIVERS LICENSE NUMBER!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to Experian, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
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 explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: SC
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 contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-05-18
Company: EQUIFAX, INC.
State: LA
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:
See Attached Dispute Docs detailing blatant consumer rights violations, The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the XXXX XXXX Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with civil/federal court procedures such that of Dixon-Rollins v. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-20
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: Information belongs to someone else

Complaint:
CHECK FOR METRO 2 REPORTING COMPLIANCE versus alleged data that is NOT YET PHYSICALLY CERTIFICATED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY or adequately displayed as MANDATED by every and one even each any and or all laws, mentioned or NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Berman & Rabin, P.A.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Received several phone calls from a XXXX XXXX from Bermin and Rabin, PA, regarding a debt I have no knowledge of. Repeated phone calls to my workplace with threatening abusive language placing my job at risk.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: MO
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX  - XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My card was stolen used and then fraudulent payments were made to exceed the credit limit. Chase has denied the fraud by stating in attached letter - " We reviewed your account and determined its valid. Heres what we found during our review : We received payments on this account that were in your name and business name '' The above reflects Chase has the information how payments were made by me but can not give me the information regarding the fraudulent payments made in 2017 by the thief. Chase states in attached letters : " We are not able to send the information you requested. We understand that you had questions about payments that were made on the account in 2017. You requested additional information about the payments and the person making the payments. We are not able to provide that information based on our privacy policy. '' Chase is holding me liable but refuses to supply payment information by the thief on my card that Chase is holding me liable for. Unbelievable! This is totally void of common sense. Does Chase believe the thief will sue them for divulging how the thief sold? 
Then Chase continues in another letter stating " The claim should be handled as a civil matter directly between you and the known third party to recover the funds. '' SUMMARY - Chase knows how I made payments on my card that they hold me liable yet refuses to give me the fraudulent payment information MADE ON MY CARD reflecting the name of the thief and then informs me this is a civil case between myself and somebody else they refuse to divulge and tells me good luck???? This doesn't make any sense. Chase protects the thief and affords thieves more rights than their own customers. Chase has now acknowledged in their letters that someone else made payments that bounced and refuses to give me the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
3-month forbearance granted - I vacated apt in TX and returned to property to effect repairs and finagle shelter for myself. My school shut down indef due to covid ; tenants in property both lost their jobs due to covid and I helped them by letting them out of their lease. Property highly desirable as rental - I just have to get my alternative shelter plumbed and inspected. WF promises that " we are here to help '' - but website does not offer the form they require, operator is never available, and agents ' VM boxes are all full. I am overnighting handwritten letter to WF. I will attach herein if I can.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have been trying to get this unauthorized Inquiry off my credit report for months. I have sent in 4 disputes and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Experian Information Solutions Inc.
State: CT
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 XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$360.00} )XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$230.00} ), XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1400.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-12-02
Company: Carvana Group, LLC
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I recently applied online on XX/XX/2022 at XXXX for car loan through carvana.com and the application was approved. With a {$5800.00} down payment I spoke with one of the customer service representatives. I stated to the customer service representative that the down payments are not included into a finance charge under, Title 15 United States Code Section 1605 ( a ) The finance charge does not include charges of a top payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third-party, closing agent, including settlement agents attorneys in escrow and title companies, if the creditor does not require the imposition of the charges, or the services provided, and does not retain the charges. 

I explained to the rep that the down payments are not a part of the consumer credit transaction and are illegal and against the law. when she replied with a rude response then the conversation abruptly ended. 

It is to my knowledge that they are not exempt according to 16 CFR section 433.3. 

They declined me the option to finish the transaction without the down payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: ENOVA INTERNATIONAL, INC.
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I called the company this morning to pay off my loan. They would not take a payment as my account is " under review '' ( as it has been for at least three weeks ) and I can not access the website due to this " under review '' status. However, while my account has been under review, they have continued to charge daily interest and take payments without issue every two weeks. When I asked if they could suspend interest charges until they allow me to pay off my account, I was told that I could request for them to refund all the accumulated interest once my account was no longer " under review, '' a status which has an indeterminate timeline. In the meantime, they will continue to collect payments every two weeks and keep my account " under review '' and continue to make money off a loan that I attempted to pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$570.00} ), XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2020-04-16
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a property loss regarding my home due to lightning  and subsequent fire. After receiving the check from my insurance company I sent the check for {$460000.00} to USBank after obtaining a signature from my wife and the secondary lender on the home. The check was received on XX/XX/2020 as I have the tracking from XXXX regarding overnight delivery. 

Going back the lender provided me with a list of items that would be required to start receiving funds for repairs to my home. Those items were completed by me prior to the check being sent. There was clarification needed on XX/XX/2020 for some of the documents which my contractor and I provided and were told this would be enough to satisfy the requirements to release funds. However after no funds were released I called again on XX/XX/2020 to discuss. I was told that a form which even the person who worked for the bank said she had never heard of and a floor plan. I asked why this was required and was told " because the amount sent to us is more than you owe ''. After calling my contractor the person was reassuring in the fact that the insurance estimate with drawings would be enough for this. However after no call back on XX/XX/2020 I again reached out to them. They then said this was not good enough and that they must have a floor plan to " gauge the square footage ''. Again not a requirement in the initial letter. I attempted to satisfy this requirement by uploading a picture of the floorplan from our initial plans. However the person told me that she couldn't access their own system of electronic uploads and I would need to fax if I wanted a resolution. 
I have spent well over 3 hours on the phone trying to talk with a supervisor about this problem and have been met with multiple excuses of why I can not speak with a supervisor. I have even told them I would hold until one is ready to speak with me. However I have been hung up on and disconnected two times and still no resolution. This is keeping me from rebuilding my home that my family is displaced from. I need a resolution ASAP to get funding to start rebuilding.

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