BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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 XXXX account number : XXXX, XXXX account number : XXXX, XXXX account number : XXXX, XXXX  account XXXX, XXXX  XXXX account number : XXXX, XXXX XXXX account number : XXXX, XXXX XXXX In accordance with the fair debt collection practices act. Debt collectors are not allowed to communicate with me under the 15 usc 1692c.

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 an 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 2023-03-20
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit score and seen a XXXX debt in the amount of {$290.00} from XXXX, stating it was for an Emergency situation or something of that sort but it is not mine. I have not had an account with XXXX since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Bread Financial Holdings, Inc.
State: TX
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 inquiry notifications on my credit report. 
on XX/XX/2023, I received several notifications via email from XXXX for hard inquiries on my credit report. I logged in to XXXX to see what hard inquiry I had and didn't initiate any of the 4.

1 was XXXX- XXXX XXXX was XXXX XXXX with no contact company information. 
1 was XXXX XXXX XXXX 1 was XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
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:
On XX/XX/XXXX I obtained my credit report from all three bureaus XXXX, TransUnion, and XXXX and all three of them showed a bankruptcy that was reporting incorrectly. I asked all three bureaus to investigate the account with the reporting court. All three of them supposedly Investigated the account and reported again next month. 
On XX/XX/XXXX I obtained my report again and asked all three bureaus to verify the account with the court once more. The bureaus supposedly verified the account with the court, but no changes were made to the item in my report. 
On XX/XX/XXXX, I wrote to the court and asked them if the bureaus had verified the bankruptcy with them. The court wrote a letter to me on XX/XX/XXXX stating that neither the bureaus verified with the court, nor would the court verify a bankruptcy the bureaus. 
By law, the bureaus can only report an item in the credit report after they have verified it with the reporting entity. 
I then sent the court 's letter to the bureaus on XX/XX/XXXX asking them to remove the bankruptcy because they never verified it court and they were reporting it, which is a violation of the FCRA. I asked them to remove the bankruptcy. However, I pulled my credit report today. XXXX deleted the bankruptcy. But XXXX and TransUnion have not deleted it yet. It has been more than 30 days.

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 2019-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My credit scores have been in the 700 's and have no late payments, collections or any negative history in my name. Transunion and XXXX dropped my score over 60 points because my Mortgage company changed. This is the second time this has happened and it's put my good name in jeopardy and has created hardship in getting great offers and maintaining excellent interest rates. This is totally ridiculous. My Mortgage is still open and always paid on time for many many years. It's seems inconceivable that these companies don't realize that Mortgage companies sell to other companies or servicing companies and should not impact my score. This is ridiculous that this keeps happening and trying to contact these companies is a futile endeavor. Transunion went from XXXX to XXXX and XXXX from XXXX to XXXX. This needs to be corrected immediately and want assurances that this will not continue to happen for the same reasons. this is ridiculous and legal action should be taken even if it's just to teach them a lesson that this is their responsibility to ensure accurate information is always reported and scores are accurate. Credit scores make a difference in your everyday life and it's not something to be taken lightly.

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 2020-09-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Three to four times a day, this company calls from different numbers around the country. I have received calls from Michigan, Nevada, California, Illinois, etc. I have told them that I only communicate in writing and that, if this is a real debt, they need to send a letter to the address they have on file. They will not stop calling and it has become aggressive ; phone calls coming in back to back to back from different numbers. The caller never identifies which company they are calling from until I ask several times. Additionally, calls have come in before and after the appropriate calling times for my state. 

Log of calls 24 hours : XXXX XXXX  -- XXXX, MI XXXX XXXX  -- XXXX XXXX, NV XXXX XXXX XXXX   Washington, DC XXXX XXXX  - XXXX XXXX, CA XXXX XXXX  -- XXXX XXXX, NV Each time they were told that I only communicate in writing. This has been going on for months now. I have advised them that repeated attempts in this manner will result in me alerting the government. They pushed me too far. 

The company is Portfolio Recovery. 

I will no longer be harassed by this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-15
Company: WELLS FARGO & COMPANY
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Submitted an application for Personal Loan at local Wells Fargo Bank on XX/XX/XXXX for the amount of {$80000.00}, provided ALL requested documents. 
Application has be denied and I 'm not getting any answers as to a reason for denial. 
My personal tax returns show Adjusted Gross Income of over 220, 000.00, I have no mortgage, all my cars are paid off in full, my credit cards are paid in full every month.

My credit score shows XXXX, my current accounts is Wells Fargo Bank holds over 80,000. 
With all that information Wells Fargo claims that I do n't have enough income or assets at Wells Fargo Bank, they claim that amounts owed are too high relative to my income, and they claim my income ca n't be verified. When I asked about what amounts I owe and who I owe to, and how is it that you ca n't verify my income ( provided XX/XX/XXXXand XX/XX/XXXX Federal Tax returns ) I was told to leave it alone as underwriter already made his/her decision and there is nothing I can do about it. I feel that this is racial profiling, anyone who takes a quick peek at my last name realizes that I am of XXXX heritage and it seems that folks at Wells Fargo ca n't stand a somewhat successful 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 2023-02-10
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: Was not notified of investigation status or results

Complaint:
Hi, My name is XXXX XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers 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 non-monetary relief
Consumer complaint received 2021-10-20
Company: JPMORGAN CHASE & CO.
State: AL
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:
JPMCB-CARD SERVICE I have an inquiry on my XXXX report that I did not authorize. I have not applied for any credit since XX/XX/2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-13
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
New XXXX, I know you all probably is tired of me, but Im trying to defend and fight for my home and property because I had no knowledge of the insurance fraud claim against my mortgage note neither did I have knowledge of the missing mortgage payments and {$18000.00} missing check payment, all was not applied to my mortgage loan that was making payments be missing and late.Neither did I have any knowledge of Round Point Mortgage received {$11000.00} in a new principle/escrow advance refund from XXXX XXXX XXXX XXXX, XXXX XXXX. which Round Point Mortgage falsely stated they was the first mortgagee which is false. Also has a loan number XXXX which I just notice is the investor loan number on the loan modification dated XXXX XXXX the process Date of the {$11000.00} new principal balance Advance Refund process on XX/XX/2014 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX therefore the investors loan account was open and active XX/XX/2014 it appears payment was paid to the advanced escrow as a refund, is this also undiscovered money? Is this money they received from the fraudulent assignment of mortgage note benefits insurance claim on XX/XX/2014 on the FHA connection lender query report? WOW! This is to much to bear.

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 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Submitted dispute stating XXXX XXXX XXXX account on my report not showing current balance of zero and account being closed/transferred to another servicer with Transunion, XXXX, XXXX XXXX. All disputes were submitted on/around XX/XX/XXXX and XX/XX/2022. On XX/XX/2022 received dispute results stating all information was verified. There was no change to the account balance or account status. Additionally XXXX XXXX has an announcement on their website that they are no longer servicing federal student loans. My federal loans were all transferred to XXXX on XX/XX/2022 which are currently showing on my credit reports.

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 2021-10-20
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a homeowner who requested forbearance due to COVID circumstances for my rental property. The mortgage is backed by a USDA loan. During the course of the forbearance period I have been in contact with Wells Fargo to continue the extension multiple times and have asked on multiple occasions about the repayment plan after the forbearance ended and on multiple occasions, they have asked a series of questions to determine what type of repayment plans or protections I would qualify for once the forbearance ended and have on multiple occasions advised me that I would qualify for the junior lien as provided under the COVID protection since I have a USDA loan. Now that forbearance ended and I wanted to bring my loan current they all of a sudden advised me that I qualify for no repayment plan and the USDA protection they previously advised me that I would qualify for once placed out of forbearance no longer applies because it is not my primary residence. This was misleading and truly an unfair practice by Wells Fargo, and to tell me that I am not protected under the COVID USDA guidelines I believe are untrue and I should very well be protected under this protections during the pandemic that was there for all homeowners and not just homeowners who are only primary residences.

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 2021-10-20
Company: EQUIFAX, INC.
State: DE
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:
Dear Customer Service : Please be advised that I am disputing the following creditor which has placed the account in collection for XXXX : XXXX XXXX XXXX, XXXX. 
1 XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX I report identity fraud in 2019 with the police report, since XXXX has XXXX Management collecting on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: EQUIFAX, 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: Account information incorrect

Complaint:
This isn't denying the debt debt but to report that XXXX XXXX XXXX is reporting inaccurate and inconsistent information across all three credit bureaus which all information being reported to the credit bureaus must be 100 % accurate. Numerous violations are in place and even though XXXX XXXX XXXX is not a debt collector per the FCRA all information being reported must be 100 % accurate which is a fine of {$1000.00} per violation. XXXX and XXXX  reports a high balance of {$16000.00} while reporting {$12000.00} on Equifax. This inconsistent reporting is hurting my credit score and even causing me to get higher loan rates by having a higher debt ratio on my report by when loan officers compare my income to debt ratio it'll look higher at {$16000.00} vs if it's indeed {$12000.00}. This reporting also has caused me to get denied job opportunities by XXXXPD and others by having inconsistent information on this account and having charge off payments being reported when it's not supposed to once the account is closed no late payments are suppose to be reported per the FCRA. The Date Of Last Activity for XXXX shows XX/XX/XXXX while Equifax shows XX/XX/XXXX and XXXX  showing XXXX. This account on XXXX  and XXXX  shows a later date of last activity which is inconsistent with all three bureaus and is in violation with the FCRA by the accounts would be ILLEGALLY re-aged on how long they would stay on the report. If all three credit bureaus are getting their information from the same creditor how is it that they're all reporting inconsistent information. Equifax shows this account was an auto loan when in fact it's an Lease as shown with XXXX  and XXXX, The payment history across XXXX and Equifax are both inconsistent and shall show with the attachment highlighted. 




I've disputed this account previously back on XX/XX/XXXX and the creditor bureaus and XXXX did not update the date last date Verified which is a violation with the FCRA by which they're suppose to update the account each time when the file is disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with renewal

Complaint:
Dear CFPB : I opened a Chase 3 months CD and signed up for the auto-renew option. However, when I try to cancel the auto-renew, their website doesn't have the option. So I went to a Chase branch to stop the auto-renew. However, I was told by the Chase banker that there is no option of stopping the auto-renew of the CD. I can only wait until the CD is matured, then I can call them or come to the branch to cancel the next CD that is renewed.

I believe it is the consumer 's right to stop renewing the CD. Chase does not have to right to force me to renew it and then I go to their branch to cancel it. It is a violation of the consumer 's rights. Please help to stop these illegal proctices. 

Thanks! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Allegiant Capital Recovery LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Allegiant Capital Recovery has called me and has harassed my family members regarding a XXXX XXXX credit card I had. 
I returned their call on XX/XX/2023 and spoke to XXXX ( XXXX XXXX XXXX ). I informed her that she is not to contact my daughters or mother and that she is only allowed to contact me though email. Her response was that is not going to work, it doesnt work that way, and I will continue to contact them. XXXX tone was very rude and very condescending.I informed her that I was filing a complaint and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: TrueAccord Corp.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/XXXX a block call came through to my cell phone and a message was left by a young lady who I could barely understand. She left a message that her company was going to serve me paperwork to my home and job to have me arrested for a legal matter in their office. She also stated that the warrant would be sent via certified mail in a few days unless I called their office to resolve. I called the number back and a man answered I asked what the name of the company was and he refused to give me that information and hung up on me. I called back repeatedly and got their voicemail. A few minutes later a get another call from XXXX XXXX and the same person left another threatening message. I immediately texted the number back and asked for the company 's name and that I was going to file a complaint. Today XX/XX/XXXX I get an email from a female name XXXX XXXX ... .I have a copy of the email and I can also provide a copy of my response to her to cease all communications, and that I had no idea what this was about. In her email she started out by saying are you still confused on why we are contacting you. Never mind that I sent her a text message just yesterday to cease all communications with me and send everything from her company on letter head to my attention via mail. My FDCPA rights were violated with the threatening email, they continue to contact me even when I told them to cease all communication. I have the recorded called on my cell phone I have saved it. Please let me know when I can share it with the CFPB office.

Company response to consumer: Closed with explanation