BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-26
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: Investigation took more than 30 days

Complaint:
on XXXX i sent Transunion a dispute letter via certified mail. Its been over 30 days and they still have not respond to me. I honestly believe that these XXXX  are violating my consumer rights and i have proof for my statements. They failed to verify the disputed item in a timely manner. Under 15 U.S code 1681b-permissible purposes of consumer reports, I never gave Transunion the written consent to report this account on my credit report. No consent is identity theft. Also this agency is in violation of 15 USC 1692g, they were to notify me in writing 5 days prior, I was not. I DO NOT validate this debt and as a consumer by law this account must be deleted. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: Resurgent Capital Services L.P.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company, XXXX XXXX, has used deceptive practices and also won't verify the debt, all while reporting the debt to the credit bureaus on a monthly basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2022-12-27
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX wronly charged my account. when I contactet them they returned money to my account in the wrong amount instead of XXXX the put in XXXX the they asked for a money trcnser for XXXX only to find out the money went to a card instaed of paypal now I am out XXXX. I will attach all pertinant documents the bank in question XXXX XXXX Bank recipiant XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX account # XXXX routing XXXX Bank address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wire recall Nmber 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 2021-11-04
Company: HYUNDAI CAPITAL AMERICA
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently sent a letter on XXXX XXXX asking Hyundai finance to update my payment history because I was never late on a payment please update this incorrect information to payed as agreed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Sessoms & Rogers, P.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I am totally and permanently XXXX and have not been able to pay off XXXX XXXX XXXX and XXXX XXXX XXXX credit card. I was XXXX XX/XX/XXXX. I was taking money out of my IRA retirement fund to pay my mortgage and credit cards. I went to credit counseling in XXXX, NC and was given advice about the letter I should write to the debt collectors. In my letter I explained that I was unable to pay because I had become totally & permanently XXXX and on Social Security XXXX. I tried to work with them after being harassed. I was not even given the opportunity to work with them on the balances. 
Next I was subpoenaed to court. They knew I was on XXXX because I also sent my Social Security XXXX Beneficial letter which showed my monthly income. Legal Aide helped with the exemption letters. Of course late fees & interest has almost doubled the balance due. I have to pay the full balance on XXXX XXXX XXXX {$6200.00} ( which is my mortgage co ) and XXXX XXXX XXXX {$4600.00}. 
I have been able to stay in my home through Short Sale and not foreclosure. Now my home has sold through Short Sale and closing was suppose to be XX/XX/XXXX. We couldn't have a closing because both banks put a lien on my home just 2 days earlier. I had to move out of my home before closing. All of my belongings such as furniture, clothes & toiletries are in storage in a different city. I can not get an apartment through HUD or Housing Authority because I have a mortgage still. The buyers were told today where we stand on closing so they've pulled out. I am living out of my car with my dog. I will also be paying more since I have an HOA of {$180.00} and {$90.00} for a storage unit and medical bills and food etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I satisfied my debt on XX/XX/XXXX.  The law office that handled the collection placed a lien on my home and as of XX/XX/XXXX, the lien has not been removed.  This has prevented me from obtaining title insurance and prevented me from selling my home.My county recorders office informed me that the law office had improperly completed an Acknowledgement of Satisfaction of Judgement and therefore, the lien cannot be removed.I contacted the law office on XX/XX/XXXX and informed me of the problem.  They told me to have the title company send them a "demand in escrow" which they did immediately.  The law office never responded to this demand.  I have contacted the law office numerous times but they will not respond to any of my e-mails.  I finally received a response on XX/XX/XXXX where XXXX XXXX, director of operations stated that they would re-file the proper documentation but only after their notary returns the following week but to date, nothing has been filed and the law office won't return e-mails or give me any updates.  I reported the lawyer to the  California State Bar for misconduct and I sent a copy of the complaint to the lawyer.  I received an e-mail from the lawyer in 11 minutes stating that they intended to file the correct paperwork however, this has not been done as of this date.  This is holding up the sale of my home and I have now lost the pending sale.  My debt was satisfied 3 years ago and the Lawyer has the obligation to remove the lien from my property.  California law requires the lien to be removed within 15 days of the debt being paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 Accounts ; # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, & # XXXX have violated my rights. 

In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information. 

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 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-01
Company: JPMORGAN CHASE & CO.
State: WA
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/XXXX I requested a charge back to my credit card. The charges totaled {$14000.00} for services that were never completed and that were falsely represented by XXXX XXXX XXXX. 

I hired this company and paid through a merchant account named XXXX and have spoke to them as well. They informed me they were aware that this company owned by XXXX XXXX was recently in court practicing law without a license and has had serious criminal history regarding violent offenses and illegal check fraud. 

The services I hired him for were never completed, and not of legal authority by XXXX XXXX. The services were a fraudulent " debt remedy '' process that I soon found out from XXXX XXXX ( the district attorney at the Colorado Supreme Court who found him guilty ) that they are not legally sound practices, nor are they going to be able to " remedy '' my debt as they had claimed. 

I have provided Chase Bank with all supporting documents from XXXX XXXX XXXX showing what I had paid for as well as proof of communication from XXXX XXXX stating that he was going to provide a refund. This refund never happened and he is now on the run and hiding from the FBI. I also provided them with multiple documents from the Colorado Supreme Court proving that this happened to me and several other victims of XXXX XXXX XXXX. 

OnXX/XX/XXXX, I received a letter from Chase Bank stating that they found the charge to be valid and that they would not be able to issue a charge back for the fraudulent services that I was lied to and deceived into. 

On XX/XX/XXXX, I went and spoke to an associate at a local Chase Bank branch and explained to him my situation. He initiated another claim and helped me submit all supporting documentation and told me that it should be more than enough information. 

On XX/XX/XXXX, I spoke to the disputes department at Chase Bank and was told that my case was still under review. 

It is now XX/XX/XXXX, six months after I initiated this second dispute, and it still has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: EQUIFAX, INC.
State: NC
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:
XXXX  has the aged multiple accounts on my credit report I've asked them to correct them and they still have not to this day off ofXX/XX/XXXX this has been going on since XX/XX/XXXX I've sent them letters certified and still have not corrected it count has been closed since XX/XX/XXXXand now they are real and putting charge-offs and late payments on XX/XX/XXXXI was also part of the Equifax breach and they still have not corrected information on my credit report they just say verified no documentation whatsoever report number for XXXX XXXX XXXX  free age XX/XX/XXXX it's been closed since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX SOC SEC # XXXX   DOB XX/XX/XXXX ADDRESSXX/XX/XXXX, FL XX/XX/XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XX/XX/XXXXThis serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.Recently, I've been denied in my application for (mortgage, car loan, credit card, health insurance, employment) in Florida XX/XX/XXXXUpon closer look, this was due to inaccurate information on credit report; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows;XX/XX/XXXXXXXX XXXX XXXXXXXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXXXXXXX XXXX XXXX SOC SEC # XXXX   DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2018-12-04
Company: WELLS FARGO & COMPANY
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was contacted on XX/XX/XXXX @ XXXX XXXX EST by the XXXX XXXX XXXX. When they contacted me I was told to redial the phone number which I did and then I began talking to the case manager about an alleged debt that my wife owed. I called my wife and continued with a 3 way call with the debt collector. It was told to us that there was a pending civil action that would commence if we weren't able to resolve this debt. The alleged debt was to XXXX/Wells Fargo Bank in the amount of a little over {$300.00}. We were shocked because we have never had an account with XXXX/Wells Fargo bank at all. We were told the account was opened on XX/XX/XXXX and closed was charged off some time in XXXX. It was suggested that we take a letter which was sent to my wife 's email address to the bank in order to verify the debt and gather more details. I did exactly that on XX/XX/XXXX and in addition to that I also called both the corporate phone number for overdraft and recoveries and the customer service department. The account number given by XXXX XXXX XXXX could not be verified by the bank at any of the 3 locations I tried to get it verified at. The representative could not find the account number nor did they have any record of my wife 's social security number ever being associated with any account past or present. I then called the XXXX XXXX XXXX back to inform them of my findings and ask them for proof of this debt. and the representative I spoke with said that they would proceed with making marks within the XXXX XXXX as well as sending this notice of debt to the Credit Reporting Agencies. After a little research on this company I found that there are 13 complaints to the XXXX for exactly the same situation just different amounts of money. I believe this company is fraudulently trying to collect on debts that don't exist.

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 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have continuously been submitting letters to both creditors and all XXXX bureaus over 5 times in a matter of over 120 days and nothing has been resolved. XXXX has gone against my consumer rights reporting information that was never given my written consent and I demand every late payment on my report be deleted before I file a law suit.

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 2023-01-14
Company: Remex, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never received any bill for the XXXX XXXX on my credit report. I have disputed it several times have only received a response stating this account is verified as yours how if I never received a bill prior to collections because my insurance paid the bills to the original providers at the contracted rate they have in place. You dont send someone to collections because you want the difference that what my insurance & the provider agree upon. I never received any bills from XXXX XXXX or XXXX XXXX . 

XXXX XXXX : XXXX XXXX XXXX ( {$110.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
After recently experiencing several unauthorized payments from two of my Chase checking accounts ( business and personal ) and successfully getting credited back the funds, unauthorized payments of {$1100.00} to a company I have never done business with and {$33.00} FOREIGN EXCHANGE RATE were withdrawn from my account on XX/XX/XXXX, Type : Card. I called to dispute the payments and was given a courtesy credit for both which were reversed XX/XX/XXXX. On XXXX I called the company that had collected and was told that they had no record of the transaction and were not currently processing any orders. XXXX I called Chase and requested the evidence used to deny the claim for refund. I also called about a week later because I had not received the mailed letter. On XX/XX/XXXX I called Chase Customer Claims Department and was advised to fax new evidence in order to reopen the claim. On XX/XX/XXXX I emailed the company for information, then called repeatedly on XX/XX/XXXX. I was emailed a warning to desist and a copy of their transaction timeline showing it was flagged for elevated risk of fraud, reviewed and approved by them, which I faxed to Chase on XX/XX/XXXX and went to the branch but was asked to wait for approval. XX/XX/XXXX Chase resolved the claim. I followed up by calling and going to the branch, but I have not received notice of the claim being reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: I.C. System, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Here is a list of all of the fraudulent accounts reported to credit reporting bureaus and other reporting agencies. 

XXXX. XXXX XXXX ( XXXX XXXX XXXX ) XXXX ( {$1400.00} CLOSED ACCOUNT ) reported XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX ( {$4500.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX ( {$1700.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX. XXXX XXXX  XXXX ( {$5800.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX. XXXX XXXX XXXX ( {$5300.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX. RECEIVABLES PERFORMANCE ( XXXX XXXX  XXXX ( {$450.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ) ( {$130.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX **NO VERIFIED PROOF HAS BEEN RECEVIED FROM ANY AGENCY. 
I have completed another XXXX Police report to include all the items listed on XX/XX/XXXX. 
XXXX and XXXX have deleted and removed the fraudulent accounts at this time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested an explanation as to how I could release the Private Mortgage Insurance on my loan. The lender sent me a letter and an application for that proceed. The letter stated that, subject to a current value appraisal of 75 % or less LTV, as a result of substantial improvements in the property during the first two years of the loan, an appraisal can be ordered at my expense to see if the PMI is no longer required. However, despite this explanation in the letter, the company keeps insisting I must make a substantial principal payment no matter what to qualify. I asked for a supervisor for further information, and have not received a call back from someone other than the person who interpreted this provision of the loan.

Company response to consumer: Closed with explanation