BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion continues to report information on my credit report that does not belong to me. My report number is XXXX. 

The bankruptcy filing listed is not mine. I will need proof that is does not belong to someone with a same/similar name or the signed papers since I am not a party to this. 
I am asking for the method of verification under FCRA Section 611 ( a ) ( 7 ). The federal Fair Credit Reporting Act states that I may request a description of how TransUnion verified the information, including the business name and address contacted and the telephone number if reasonably available. 
Additionally, XXXX is reporting a trade line when I have never had a credit account with them. It shows as {$0.00} limit to begin with on the report. XXXX has refused to send me verification of this debt on numerous occasions as well as to regulators ( a copy of which is attached ) I intend to sue for willful non-compliance under FCRA 616 if this dispute is not researched and the requested documentation furnished. 

I am requesting that these XXXX entries be investigated and removed. 

Thank you.

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 2021-03-22
Company: Exeter Finance Corp.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: JPMORGAN CHASE & CO.
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX 2015, my XXXX son opened an account at the Chase Bank XXXX. with a XXXX XXXX XXXX XXXX dollar check. he was told to come back in a few days to and the funds would be available, when he went back to the bank they told him they did not want him as a customer and they where sending back a check. before the check came he had to move due to an unsafe environment. they would reissue they check, and it would be another XXXX days and they where XXXX it never came. XXXX days later they said they needed to have papers filled out to reissue they check. in the mean time his XXXX ssi payment was put into the closed account, they said they would one time put the money in my account, they sent the moneys back to ssi any way now they have close to XXXX of his money its been a month and we cant get any real answers or his money. I have been into the bank at least XXXX times a week its a XXXX, mile round trip from my house. I call them almost daily, all I get is its corporate, and they are doing everything they can. if we had not moved him home he would be XXXX. XXXX i believe he would have XXXX. my e-mail is XXXXXXXXXXXX. my phone number is XXXX please help usThank You. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Other

Complaint:
I made an extra payment of {$200.00} on my Chase VISA card. Due to a circumstance I still do n't understand, the money was not there and so the deposit did n't go through. Now Chase is holding my deposits for UP TO TWO WEEKS after it receives my money before it makes the money available to me. This is ruining my credit because I have automatic payments coming from the card. I have had this card since 2001 and this is the first time to my knowledge that this has happened. Chase now says they will do this for UP TO SIX MONTHS. This is outrageous. What right have they to hold my money and make money off of it instead of making the money available to me once I pay my bill?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Grow Credit 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: Their investigation did not fix an error on your report

Complaint:
I did not open this account. I have tried to call and report this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
TransUnion continues to report bad and incorrect infromation on my credit report regarding XXXXMortgage., Acct # XXXX. TransUnion is reporting that, 'Legally paid in full for less than the full balance '. This is incorrect, as the BALANCE WAS PAID IN FULL and there was not a settlement for less than the full balance. Supporting documentation attached

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. My credit score had suffered from this glitch. No notice was ever given which is a violation and I am requesting that ALL inquiries be removed : Datafacts - XXXX 2016 Datafacts - XXXX 2016 Datafacts - XXXX 2016

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 2016-05-12
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX XXXX, I spoke with XXXX XXXX with Deutsche Bank regarding XXXX XXXX. He stated to me, to send an email to him at XXXXXXXXXXXX regarding my issue. On XXXX XXXX XXXX at XXXX, I sent an email to XXXX. As of today, XXXX or Deutsche Bank has failed to respond to my inquiry! Please review the email that is enclosed that was sent to Deutsche Bank. Now ; I filed a complaint against XXXX XXXX with the CFPB, case # XXXX. XXXX uploaded a Deutsche Bank loan schedule onto this complaint. This loan schedule reflects that Deutsche Bank loaned XXXX XXXX millions of dollars on XXXX XXXX XXXX. Please review the enclosed document! On XXXX of the pages shows our residence located at XXXX XXXX XXXX XXXX XXXX Nevada XXXX, loan # XXXX for {$460000.00}. NOTE : XXXX XXXX failed to provide assignments and a certificate from the trustee going all the way back to our original lender, XXXX XXXX Mortgage. An assignment ( s ) are used when an investor or bank sells or transfers the asset. A certificate is also issued when an asset is placed into a pool of trusts by the trustee ( XXXX Bank as trustee for XXXX XXXX XXXX XXXX ) to reflect who the current investor is. The trustee will know who to send funds too for this asset being in the pool of trust! As of today, XXXX XXXX failed to provide the documentation that we requested. Now ; since XXXX XXXX provided a loan schedule from Deutsche Bank, we must confirm with Deutsche Bank weather or not XXXX XXXX had this loan for our property! Anyone with computer skills can create a letter head from a previous loan, then remove information and then add the information that you want in order to reflect that XXXX XXXX had a loan for our property. This loan Schedule does not by any means reflect that XXXX XXXX is the current investor. XXXX XXXX could have sold or transferred our note as the evidence that I have in my possession will reflect! XXXX XXXX possibly, failed to create legal documents to show legal ownership of the asset! We request to know if XXXX XXXX had a loan for our property in the amount of {$460000.00} dated XXXX XXXX XXXX, loan # XXXX. We request this information in writing!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I went to XXXX XXXX for a re-fi, they attempted to get my score from TransUnion but they told XXXX I was deceased. I called Transunion to remove that status. They told me to get a form from the XXXX office proving I 'm alive and verification XXXX. The XXXX office said if I send that form, it will release all my info. to them including my medical history, so I got a verification letter XXXX proving I 'm still receiving benefits and am very much alive. Then I got a call XXXX who told me my credit info was on a freeze. I did n't do that. I requested my annual credit report from Transunion and got it in the mail, so they must believe I 'm alive. I just need for me and XXXX to have access to my credit rating.

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 2016-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I am writing to file a complaint against TransUnion Credit Reporting Agency. I submitted a request twice for investigation XXXX XXXX XXXX account ( Acct Number # XXXX ) from my credit. I submitted enough information and TransUnion to carry out a reasonable investigation of my dispute. 
They did not investigate properly instead they used XXXX system. I submitted a letter from origin creditor in which stated that he will remove the account from third-party collections and instruct the collection agency to delete any negative information reported to my credit report file relating to this account. But TransUnion did not investigate this account thoroughly enough and keeps this account in my credit file. 
It is at this time that I will point out that in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX, et al, the courts ruled each and every time that the CRA could n't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable. 
I may suffer damages because I rely on an accurate and complete statement of my credit record and demand that TransUnion remove the disputed items from my report immediately as They failed to comply with the law. Transunion Credit Reporting Agency must pay up {$1000.00} fine for violation of the Fair Credit Reporting Act. 
I am requesting your assistance in putting an end to 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 explanation
Consumer complaint received 2016-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Trans Union glitch. Inquires deleted and reinserted

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 2016-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX went out of business years ago. I had an account with them in XX/XX/XXXX. It was charged off before XXXX. XXXX sold to XXXX XXXX ... who sold to XXXX. This debt, which was outside the statute of limitations 5 years ago and outside the federal obsolescence time frames for the Fair Credit Reporting act 2 years ago is STILL on my file. I assume if XXXX sells it to XXXX who sells it to XXXX, it will be on my file until I die. I disputed this with the bureaus with no result.

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 2016-02-10
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I lost XXXX of my jobs and having a hard time making ends meet so I applied to OCWEN for a modification in XXXX 2015 complete package sent in. Since submitting the paperwork OCWEN has requested several documents and I 've sent them within days back to them. I 've submitted the same documents over and over again. Finally on XXXX XXXX my representative called and operator ID # XXXX told us that I needed to re-submit because my RMA application had expired and that we were supposed to get an answer within 90 days of submitting the original paperwork that she did n't know why we were at this date with NO end in sight. We asked the representative to point to us the expiration date on the RMA but she could n't since she could n't do that we asked her to transfer us to a supervisor and she refused stating that she would have to look for one and she did n't have time. I am begging for help since I do n't want to loose my house, I 'm a single man BUT I do take care of my XXXX elderly parents, I have been looking for a second job but I 've had no luck because I had my identity stolen several years back and my background checks are not good. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: JPMORGAN CHASE & CO.
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I disputed an account with Chase Auto Finance with the XXXX major credit bureaus and directly with CAF The credit bureaus and CAF both verified the accounts as being accurate and responded to my dispute in a timely fashion. But what they failed to do per the Fair Credit Reporting Act, was to update my account as being disputed within 5 days of receiving the dispute which according to the Federal Trade Commission is their responsibility and when not done, is a violation of the FCRA. 

They are also listing different information across all XXXX credit reports which is also another violation of the FCRA since the information has been verified. 

XXXX is reporting a high credit of {$6300.00} while XXXX and XXXX are reporting a high credit of {$22000.00}. How can that be possible? 

Then the last reported date on XXXX is XX/XX/XXXX while on XXXX and XXXX are reporting the last reported date as XX/XX/XXXX. That means no real investigation was ever done when i submitted my disputes and just generic responses were given. 

I sent Chase Auto Finance two letters and they failed to properly validate or verify the account and denied to give me what I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Jon Barry and Associates, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Paragon Revenue Group has continually harassed me through repeated phone calls. The associate XXXX has threatened me and has spoken harshly to me when I requested time to investigate the charges I allegedly owe to a medical bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
This is an update to case file XXXX. I had mistaken and was confused. I only applied for XXXX card and that 's the freedom. There were fraudulent transaction on it. The only valid charge is the first online charge for XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I have spent countless hours and thousands of dollars cleaning my credit report and monitoring my credit and scores through a membership with Transunion in order to get my credit to a point where I could refinance my home. I recently hit a level that I believed was satisfactory based on the scores provided in my membership and I applied for a loan. This loan was denied based on the credit score that was provided to the lender which was XXXX. However, the score that I am shown when I log into my Transunion account is XXXX, which is a XXXX point difference.

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 2016-07-27
Company: Premier Portfolio Group
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Premier Portfolio Group contacted me stating that they held a payday loan debt from XXXX XXXX XXXX, a company I have never done business with. The representative, XXXX, stated that this was their last courtesy call and that I would face legal action for defrauding the company and would be sued. I asked for confirmation of the debt and was sent a letter via email. I told her that I would contact my attorney and have him call her. Instead, I contacted XXXX XXXX XXXX and confirmed that I had never had dealings with them to rule out something fraudulent being done in my name. The representative from XXXX XXXX XXXX, XXXX, advised that I have no record with them and that this was a fraudulent request. XXXX also stated that XXXX XXXX XXXX does not sue anyone for debts that have been defaulted even if i had something with them. She asked that I report it as well. I contacted Premier Portfolio Group and advised them that I did not owe the debt and would not be paying. The " manager '' that answered stated that she would pursue the account with XXXX County and would note that I had refused to pay. She stated that my case was now closed and they would pursue action. I wished them luck and ended the call. The website for their company is http : //www.premierportfoliogroup.com/home.html. The call I received yesterday was from a XXXX number and today was from XXXX XXXX. The letter they sent stated XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I set up automated bill pay with Chase to pull the minimum + {$20.00} for my Home Equity Line of Credit. The bank did not pull that for XX/XX/XXXX and now has cause me to be past due and are claiming I am at fault for not paying in XX/XX/XXXX. The company is at fault for this mishap and now I will have to pay {$410.00} in XX/XX/XXXX for Chase 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I transferred {$300.00} from Chase quick pay to My sister 's XXXX account by using her phone number as an identification. She got the message that the money will be deposited and the confirmation number. However, she never received the money. I talked to Chase, and they said the money was deposited to a XXXX account which was not my sister 's account. XXXX said my sister registered her phone number after the money was transferred, so the money was deposited to another account. Is n't the money supposed to be in transit if the phone number was not registered and will be kicked back to my Chase account? My sister has been using this phone number for 3 years. So her phone number could be stolen. And now XXXX has no way to chase back the money. This is absolutely unfair to me. XXXX does not even take my claim. I claimed with Chase, however the dispute was not successful since they can not connect to the person who has the money. If they tried to called the person, then my sister could get the phone call, but she never did. So i am wondering if XXXX really tried to connect the person who gets the money and helped me chase back the money. The service of XXXX was really really bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been disputing a collection with the FTC an transunion I followed all procedures explaining that the debt is not mine and was opened by someone else with my social security number transunion has failed to remove this from my credit report XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX balance showing owed {$3700.00} this debt was never mine and is not mine the following collections agency has failed to provide documentation or proof of ownership as per FDCPA guidelines I have requested all collection attempts stop and I have requested that transunion remove this from my report and they have failed

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 2015-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Although I have filed bankruptcy and this was discharged in XXXX 2014, I am still battling with the credit agencies and creditors to reflect accuracy - this inhibits the ability to move forward and gain a credit history ; which was the ultimate goal of going to this extreme. I am simply trying to face forward and establish some positivity out of a horrendous situation. However, it has been months and they seem to discredit my claim. This is why I turn to this portal and request some assistance they may take a little more seriously ... thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Creditors that should have gone off my report and are still there after 7 years and selling my old reports to other Companies just to keep my scores down.

Company response to consumer: Closed with explanation