BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-25
Company: Berlin-Wheeler, Inc. (Kansas)
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt just showed up on my credit report. I have never heard of them, and I have never received service, or purchased a good ; or any other items from them.

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 2022-09-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 60 days later I have not received a response yet I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: WEBSTER BANK, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am writing to you as a last resort. For the last several months I have been trying to contact Webster Bank in XXXX XXXX all to no avail. I have wrote countless letters and have tried numerous times to call them ( all you get is a recording to leave your name and number ) no one ever calls back. All I am trying to do is transfer money from my Savings to my checking account in order to pay my taxes. I am beginning to worry that there is something wrong with my accounts due to no response from the bank. I reside in XXXX and due to my age ( XXXX ) and XXXX  I am not in a position to go to XXXX XXXX  to sort this out. I am at my wits end trying to figure this out any help you could give me in getting a response from the bank would be greatly appreciated. My nephew has tried calling on my behalf and has gotten nowhere either and he tells me they require a drivers licence in order to set up online banking, I have never possessed a drivers Licence. I have had these accounts since XX/XX/1971 and never had this problem before. Please Help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Lazega & Johanson LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
this is our second request through the cfpb regarding the cancellationn of lien regarding : XXXX XXXX XXXX XXXX, XXXX GA, XXXX. 

1. This attorney filed 2 False claims in my personal bankruptcy case number XXXX, I reported it, I guess he though he could get away with it since the Trustee is his friend, 2. He submitted a fraduluent Lift of Stay from state court and signed the judges name on it. 
3. We have paid this lien off, as a matter of fact this should have never been filed due to the previous HOA oversight XXXX XXXXXXXX XXXX XXXXXXXX did not transfer due paid for the year XXXX to XXXX XXXX XXXX 
4. We know he is working with XXXXXXXX XXXX and the XXXX TRUSTEE XXXX, XXXX XXXX for the purpose of ensuring the Lein remains on the home given the amount the mortgage fraud issue. This is sabotage making it appear we have a lein against the home which we never received a loan for a mortgage. 

i contacted hiis office and informed his assistant to infomr him. " He better release this lien or i was ensure he loses his bar number and I will be the attorney to release it, '' ENOUGH IS ENOUGH!

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 2022-12-05
Company: Southern Management Systems Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Southern Management Systems has called various times since XX/XX/XXXX regarding payment to The XXXX XXXX. 
On XX/XX/XXXX a payment was mailed directly from me to The XXXX XXXX and management confirmed via e-mail receipt of payment and closure of my account balance. 
Southern management systems has called XXXX other times since XXXX to collect this debt that has already been paid. Each time it is difficult to understand the speaker on the phone, and he informs me that I must write a letter disputing the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. In accordance with de Fair Credit Reporting act convergence accounts, has violated my rights. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.

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 2022-08-23
Company: EQUIFAX, INC.
State: MO
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 called the XXXX, XXXX and Equifax after I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an account on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that this account Lates payment will be removed. 
XXXX XXXX Balance : {$7400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: ProCollect, Inc.
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:
Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. 

Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that PROCOLLECT , INC is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that PROCOLLECT , INC is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that PROCOLLECT , INC is in violation of 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that debt collector is in the debt collection business or that the communication relates to the collection of a debt. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that PROCOLLECT , INC is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

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 2022-12-05
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
When Im not able to make payments, even after I inform the company about it, I get harassing phone calls from many different numbers. They also come by my house. They call my job multiple times a day and they threaten to garnish my checks. When I tell them about my situation it is no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Once again they will not give me my credit report like the law says. I requested the report and this is what I got it's attached. How long do I have to go through this. It gives me no faith in there system and makes me believe that it's being manipulated to go against me. This is the third time at what point do someone step in. Telling me the condition that prevents them from giving me my credit report.

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 2022-09-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
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:
account was paid in full can i have it remove from credit report please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim.

These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated XXXX XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

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 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-08-24
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: Their investigation did not fix an error on your report

Complaint:
This account is inaccurately reported as opened in XX/XX/ on my credit report. There is also conflicting account information & status. I have asked repeatedly for specific account info including payoff balance & any & all information to be sent to MY home address. XXXX refuses to comply with my requests. I believe it is the lender responsibility to provide me with timely & correct information on this account. My sole source of information comes through disputes & credit reports. I have repeatedly stated that I want to assume full responsibility for this loan & to protect my personal credit.

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 2023-08-26
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of ID Theft! After reviewing my credit report recently as I have not used my credit in 2-3 years, I have seen many discrepancies on my file. There are multiple accounts that have been opened in my name without my authorization! 

I am filing all the necessary paperwork as I have recently found out about this. 

The following accounts need to removed from my XXXX, XXXX, and Experian reports as they are unauthorized accounts : XXXX XXXX XXXX. XXXX, XXXX {$530.00} XXXX XXXX XXXX, XXXX {$1300.00XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX, XXXX {$630.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$530.00} XXXX XXXX  Reported : XXXX XXXX, XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1500.00}

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 2022-06-08
Company: Selene Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was negotiating with them about loan modification. Also, I was trying to dispute {$1300.00} they charged for insurance. I faxed the insurance policy a few times, but they told me they haven't received. In end of XXXX, they told me to provide the insurance policy. XXXX, I faxed the policy again and tried to tell them that I faxed the insurance policy again and kept asking to lower the interest rate. ( 5.375 % I have ) I also made sure not to foreclose my house. All the representatives I talked told me they won't foreclose. Then, they suddenly foreclosed my house. I asked them why? I was very late for the payment, but they were willing to do loan modification and I was negotiating. Then, they gave me another chance and told me to make two months payments by XXXX. They told me to XXXX the money from XXXX. I made sure if they accept the payment even last day. They said they will take if I go to XXXX on XX/XX/XXXX. I went to XXXX ( XXXX XXXX XXXX XXXX ) to XXXX  the money before XXXX but I was told that they only can do up to {$500.00}. I called Selene Finance and asked what to do. There was no supervisor and I was told to call back tomorrow morning. I kept asking if there's any other way to make payment. She said wiring takes 24-48hours. I was never told about wiring before. All I was told was to send by XXXX from XXXX. I was on the phone for XXXXminutes. The representative just told me to call back next morning. I called next morning and asked a way to make payment. But I was told they won't take payment anymore and they won't stop the foreclosure process unless I pay reinstatement. Yesterday, they emailed me a reinstatement quote for a wrong person. They sent me another quote next day and it says {$90000.00}. I could have stopped foreclosure last month if I was able to pay {$4400.00} by XXXX and I brought that money. I tried to dispute but the customer service blocked and rejected my email. Now my house is going to auction on XXXX. Please Help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
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:
In accordance with the FAIR CREDIT REPORTING ACT XXXX  accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is violating my rights under 15 USC 1681 section 602A, 15 USC section 604A section 2 and 15 USC 1666B view attachments below. Also in accordance with THE PRIVACY ACT OF 1974 as amended, 5 USC 552a. 
Also in accordance with TITLE VI OF CONSUMER CREDIT PROTECTION ACT. View attachments below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired TransUnion, who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached EMPLOYMENT INFO : XXXX need to remove & updated ADDRESSES REPORTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  need to remove & updated Inquiry details XXXX XXXX  ( Bank ) XXXX XXXX XXXX ( Bank ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXXXXXX XXXX XXXX ( Auto ) XXXX XXXX ( Bank ) XXXXXXXX XXXX XXXX  ( XXXX ) XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Bank ) XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Finance ) XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX ( XXXX XXXX XXXX XXXX # XXXX ) ( date last active ) reporting differently on each bureau ( XXXX XX/XX/XXXX ), ( TransUnion XX/XX/XXXX ), ( XXXX XX/XX/XXXX ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, TransUnion, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, XXXX, and TransUnion has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2022-09-25
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi, Im having a problem with Chase Bank, I deposited 4 checks in my account on XX/XX/2022, totaling almost XXXX XXXX dollars, those 4 checks got flagged by chase as potential fraud, and in order to release those checks to me, they wanted to verify the maker of the check, but since they couldnt find a registered phone number to that company, after 10 days they closed my account, and they are holding the funds ( chase ), but the funds went out of the makers account, so I reached out to chase and asked them to either release the checks to me, or to return the checks to the maker if they think it was fraud, I dont think its fair for chase to hold the checks with them, now the maker doesnt have the money because chase took the money out of their account, and I dont have it either because chase is holding the funds in suspense, which is not fair, im a chase costumer for a long time already, I tried calling dozens of times and I went in to dozens of chase branches and nobody can help me, the only option they gave me, is for the owner of the company that made the checks to go In to a chase branch and to verify the checks himself, but thats not a option, I cant force the owner to go down to a branch, Im in touch with his office but theres nothing the can do. 
and now Im stuck and Im missing almost XXXX XXXX dollar. 
I dont think its fair or legal that chase is just holding the money with them. If they think its fraud they should return the checks to sender, and at this point its been a few month, and I dont know what else to do

Company response to consumer: Closed with explanation