BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have XXXX accounts listed on my credit report by a collection agency called " XXXX XXXX XXXX ''. I have disputed both with Transunion and the response was a remark on my report indicating " DISP INVG COMP-CONSUM DISAGRS ; & gt ; PLACED FOR COLLECTION & lt ;. 
Under loan type both are listed as " FACTORING COMPANY ACCOUNT ''? I have no idea what that is or what it means. 
I have requested documentation such as signed documentation that these are my accounts as well as payment history to show where they came up with the dollar amounts listed. Neither Transunion nor XXXX XXXX XXXX have provided any documentation. Simply the notation on my credit report that the investigation is complete. 
How does a collection agency get to throw items on your credit report without any documentation whatsoever? What recourse do consumers like myself have?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XX/XX/XXXX, the XXXX XXXX XXXX company in XXXX XXXX, MO placed a collection on my credit report stating that I owe {$480.00} from XX/XX/XXXX. This company called me XXXX and when I asked for documentation about the collection, they decided to place this collection on my credit report without further notification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Experian Information Solutions Inc.
State: IA
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:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX Since filling out loan app I have received a XXXX calls for loans. Issue 3 is this company improperly used my identity by selling or giving it to other companies. 
Next, they say the accept bad or fair credit ; yet I make plenty of money to be able to satisfy the loan and my credit is XXXX on the low side yet would not approve. 
I believe this company is discriminating on me due to my origin and XXXX and where I live. 
All this does not fall under the fairness of the Statues. 
Why is their company asking the XXXX class I associate with as one of their loan questions? I gave them my banking info, social, and all my personal data which they then passed to other loan pyramid schemes. Please be wise and cautious when filling out discriminatory and bias loan applications if you are minority This should be outlawed for good

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 2015-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I joined the XXXX and reported on my XXXX birthday. My unit began to process my security clearance and the Trans Union report comes back with XXXX line items that were fraudlently applied to my social security number by my biological mother. In order to continue security clearnance processing I need correspondence from Trans Union to show that they are investigating the fraudelent line items. They indicated that they are investigating the line items, but refused to send me written confirmation of this action. I spent over XXXX hour on the phone being transferred through multiple " supervisors '' that were unwilling or unable to complete this task. The reason varied stating words to the effect of, " We will not do that '', " We can not do that '', " Our system is n't working, you must call back tomorrow '', or " We can not talk to you ''. They attempted to change my address to the temporary Military training address I am using while in XXXX Missouri. I will need it sent to the Military installation I am training at, and not my home of record that is associated with my social security number. 

All I need is correspondence from Trans Union stating that the fraudelent line items are being investigated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Alliance One, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
AllianceOne the debtor acting as Debt Collector, is making claim against XXXX XXXX, ESTATE, the Creditor in a total misrepresented amount of {$1300.00}. AllianceOne is in violation of Title 15 USC 1693e. ( 1 ), ( 2 ) ( a ) ( b ), ( 6 ) ( a ) ( b ), ( 9 ) and ( 10 ) NOTICE OF SURETY ACT & BOND No. XXXX XXXX XXXX XXXX XXXX. See Maryland Department of Assessments and Taxation UCC File # XXXX and Instrument XXXX Recorded in XXXX County real estate records viewable at XXXX. For the record, as pursuant to Public Law No 10 Ch.48, 48 Stat. 112, 113 ( HJR192 ), all public debt shall be discharged in full Acquittance Discharge Settlement and Closure to include but not limited to all so-called debts AllainceOne may potend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX, XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, IA XXXX RE : Bank of America Home Loans Account # XXXX To Whom It May Concern : We are a mother and daughter team who started a loan modification in XX/XX/XXXX and after completing numerous applications we are no closer to having this happen and are being threatened with a foreclosure. 

We have submitted several QWR 's and have not received the entire documents requested. Over the course of this process, we have been assigned more than XXXX member representatives, after being told in writing by the CEO, we were being assigned a representative that would be with us through the entire process of the loan modification. We were told on many occasions that the documents we sent to BOA, via XXXX XXXX or by BOA fax were not received, resulting in starting new loan modification requests. 

I am a XXXX survivor with a XXXX and during this process have become XXXX and XXXX due to this XXXX process Bank of America continues to inflict. My daughter XXXX became ill and was diagnosed with having had a XXXX XXXX. Over the course of this process, she has had several more and can no longer work. She has now been diagnosed with an XXXX. We would like to keep the home I purchased XXXX years ago. 

I went to XXXX County Housing seeking help and was informed by XXXX XXXX, the Director of the XXXX program, that the loans on my property were illegal. The XXXX program was how I became a XXXX as a young XXXX mother of XXXX. XXXX XXXX provided me with a copy of my deed and explained that there are restrictions on the property that would not have permitted the loans to be approved. Although with each loan we paid for a title search and title insurance to the lender the searches were either not completed or ignored. Had the title searches been performed and reviewed, the person ( s ) doing the search would have informed the lender of the restrictions on the property. Thus, they would not have approved and completed the loan request. 


I explained this to my lenders XXXX XXXX XXXX XXXX and Bank of America. After XXXX XXXX researched the information and reviewed the deed, they have given us a Lien Release as paid in full. To date, we have not been able to get Bank of America to reply to or acknowledge our requests for the same. 

We are both, me at XXXX and XXXX at XXXX, dealing with XXXX and do not want to be homeless. So, we are imploring CFPB to help us. It has been a very difficult three years with all the game tactics Bank of America has invoked upon us. 

We are now in a time restraint and would like to hear from you and praying for a solution. 

Warm Regards,

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 2015-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I provided Tranunion a affidavit of fraud and a XXXX XXXX Police report. I received a letter stating they would not do an identity block because I did not provide a valid law enforcement report. So, it could not be accepted. This is a valid report issued by XXXX XXXX police department and all the information can be verified.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 purchased a three day lift ticket for three adults and one junior from XXXX XXXX/get ski tickets in the amount of {$450.00}. We were scheduled to redeem the lift tickets on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX, Governor Polis of Colorado issued a mandatory closure of all ski resorts. We were forced to cancel our trip secondary to COVID-19. I contacted the merchant directly in an attempt to get a refund for the three day lift ticket. After unsuccessful attempts with XXXX XXXX/get ski tickets, I disputed the charge on my capital one credit card on XX/XX/XXXX. On XX/XX/XXXX the credit card company rebilled me for the amount of {$450.00}. The credit card company informed me that the merchant, get ski tickets/XXXX XXXX responded to the dispute and issued me guaranteed smiled vouchers with a two-year expiration for the lift tickets to be used at a later time. I was never issued any vouchers from XXXX XXXX or get ski tickets. I responded to the dispute with a 20 page document indicating all the attempted communication with XXXX XXXX/get ski tickets as well as a detailed letter to Capital One. I was told by capital one that I had insufficient documentation and the dispute was closed. I was re-billed in the amount of {$450.00} despite never receiving the vouchers as promised by XXXX XXXX. I submitted a complaint with the XXXX XXXX XXXX with no response from XXXX XXXX or get ski tickets. I also contacted my local news agency, XXXX action news, who attempted to obtain the vouchers from XXXX XXXX/get ski tickets without success. I would like the charges of {$450.00} refunded by capital one credit card as I never received the vouchers per the resolve dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: EQUIFAX, 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:
XXXX, Equifax and XXXX have been trafficking my information by assembling my consumer report. This information is a violation of my confidentiality as a private natural person. These 3 agencies have a responsibility to keep my information private. My request to have XXXX to remove over 25 hard inquiries, equifax to remove over 13 hard inquiries and XXXX  to remove over 33 hard inquiries. I've made several attempts with all 3 companies. I will follow through if this is not taken care of immediately with adverse action 15 usc 1681 18 usc 1028 with penalties for each violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
I began a loan modification with boa for a heloc XX/XX/XXXX.I recvd signed final mod papers fom boa XX/XX/XXXX boa never closed nor notified me sent new heloc mod papers signed and final by boa XX/XX/XXXX.as of this date XX/XX/XXXX the mod has not been closed and credit has not been adjusted. i recvd letter from boa XX/XX/XXXX stating that credit report adjustment to remove delinquencies from XX/XX/XXXX to present was submitted.boa then put the loan back into default where it is till present stating loan mod has not closed and the 30-60 days is " not a given '' .I have asked for a statement of payment history and have been told by XXXX ( cust relat manager ) that is was sent but have no control over us mail.i requested this over 21 days ago.it has taken boa over 14 months to mod this heloc and per boa is still in the closing process

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 2020-08-18
Company: CNG FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I keep receiving calls from this XXXX in an attempt to collect a debt which they state they have acquired from Check N Go. This credit collection company states that there is a pending legal matter being filed. I simply ask them to verify the validity of the debt, by sending me information on when they acquired the debt, what was the amount of the debt, and accompanied dates. And they state that they can't provide the information, and that I will only get that information when we go to court. They continue to call my cell phone, and other family member cell phones multiple times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM IN THE PROCESS OF PURCHASING A HOME AND WAS PROVIDED A FULL COPY OF MY CREDIT REPORT. AFTER VERIFYING MY REPORT, I NOTICED SEVERAL UNRECOGNIZED NEGATIVE ITEMS THAT ARE PREVENTING ME FROM OBTAINING A MORTGAGE. 

I DID SOME RESEARCH ON THE CFPB WEBSITE AND FOLLOWED THE STEPS TO HAVE THESE ACCOUNTS VALIDATE AND/OR DELETED FROM MY REPORT. FOUR MONTH LATER I FIND MYSELF WITH LITTLE TO NO RESPONSE FROM THE BUREAUS. THEY HAVE NOT RESPONDED TO SEVERAL LETTERS I SENT AND HAVE NOT PROVIDED DOCUMENTATION TO CLARIFY/SUPPORT THESE ACCOUNTS. 

I HAVE PROVIDED ALL THE DOCUMENT NEEDED TO PROCESS MY REQUEST WITH NO SUCCESS. PLEASE FIND THESE DOCUMENT ATTACHED TO MY DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have complaint about fraudulent practice of bank of America before 2014 they give a called loan modification in this loan modification was only for the purpose of taking my house tile and putting into their name I hired a lawyer but they only XXXX me out he told me that my only option was to sign the papers and in a year if I make my payments I will be able to get another loan modification or rifanance I try to get them to help me but they wo n't called me I tray XXXX but it 's the same it looks like their fraud was well done with the help of the lawyer I got to help me my regular payment was XXXX I was never late even I m in XXXX and my income is limited I did n't know anything about this vacate final judgements I got this paper today and las Tuesday last Tuesday I called the clerk of Cort but they say there was not recorded as bank of America is discriminate against me and if for some reason my helth gets worse I blame bank of America for his fraudulent practice against my 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 explanation
Consumer complaint received 2022-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
1. In accordance with the fair credit reporting act XXXX  2. XXXX XXXX XXXX XXXX 3. Capital one, 4. Capital one auto, 5. XXXX 6. XXXX XXXX 7XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX  9. XXXX XXXX, 10. has violated my rights.

2. 15 usc 1681 section 602 states I have the right to privacy.

3. 15 usc 1681 section 604 A section 2 states a customer reporting agency can not furnish an account without my writing instructions.

4. 15 USC 1666B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, 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:
I am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I purchased a watch online and paid {$4500.00} to the seller using XXXX. The seller has since stopped all contact and refuses to reply to my messages or answer calls even though I know they are receiving them. I called Chase to help and they closed the claim right away and passed the information to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My problem does not really fit any of the previous categories. I have had an EXCELLENT credit rating for decades. TransUnion decided to drop by score more than 110 points based on their perception of my available credit and cash.

1. I pay off all my credit card balances in full every month, with one exception 2. I have an {$30000.00} 18-month no interest platinum card with XXXX. I have been using that as a credit line for my new business. The minimum payments are made every month. And some months, I pay it down from $ XXXX. 
3. They decided that my % of balance to available credit was too high. I have no incentive to pay off a 0 % interest credit card until the interest begins in XXXX. We will be paying it off in full in XXXX, so we don't incur interest. This makes great business sense, but who knew utilizing your great credit score to obtain money, could ruin your credit score!

4. I have had a no limit credit card with XXXX XXXX, since the late XXXX 's and can easily borrow {$100000.00} from them today. So my credit balance to available credit is quite low and not high, like they perceive. 
5. I have worked hard all my life. My net worth is well over a XXXX dollars. My husband and I have almost a XXXX  XXXX with XXXX XXXX, including {$45000.00} in a money market that can be used to pay any credit card or emergency. We own close to XXXX XXXX in property, including our waterfront home and waterfront business, free and clear. 
6. I have tried contacting them. I called today. It just said Press 1 for English and 2 for Spanish, 3 times and then said sorry you are having difficulties. Call back later. I pressed 1 for English all 3 times and it would not connect. 
7. I tried reaching out online and now I'm getting a solicitation today to sign up for their credit monitoring, which of course, they want me to pay for. 
8. I'm a senior citizen and feel like I am being discriminated against because of my age. They have decided after all these years of great credit, I'm a high financial risk. That is ridiculous. 
Any help to restore my credit score would be greatly appreciated.

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 2020-08-18
Company: Credit Plus Inc
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a recent hard inquiry on my credit report from XX/XX/18. I did not authorize this and specifically told the representative I did not want my credit pulled. Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX has been reporting my account as late for over 90 days, back in XXXX I contacted them about my name change. They lost my files and never changed my name, from my marital last name to my maiden name. In XXXX my family went through a hard time and I contacted a debt management XXXX to help make sure that everyone still received payments including XXXX. XXXX denied my request yet accepted the payment from the debt management claiming that the last names did not match, however reported me to the credit bureau as late 30 day. I called to find out why were they able to accept a payment under a different last name same social security number but deny a proposal based on last name which i submitted back in XXXX. They reported through social which is on a totally different last name. Every month they received a payment from the XXXX XXXX company yet report me as being late for XXXX days, ruining my credit significantly. I contacted them only to be rudely answered by customer service. I am in the process of buying a house and they are the only company who have significantly ruined my credit with the late payments. I have stayed in constant contact with XXXX never missed a payment to the day that my family went into financial difficulty and still i ensured that they received a payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation