BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX shows a balance of {$7400.00} ( Account opened XXXX ) I contacted the company 3 times via telephone & 2 times via mail requesting the VIN # of the vehicle and the amount the vehicle was either resold for or sold at Auction for and notifying them that legally that amount had to be removed from my remaining balance - The company refused to give the requested information - Also refused to adjust the balance. 

Request that the balance be adjusted /corrected and or removed 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 2022-10-03
Company: EQUIFAX, INC.
State: GA
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:
All of the inquiries listed below are fraudulent and are being reported to my equifax credit report which is against consumer law. 

Equifax XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX shows a balance of {$7400.00} ( Account opened XXXX ) I contacted the company 3 times via telephone & 2 times via mail requesting the VIN # of the vehicle and the amount the vehicle was either resold for or sold at Auction for and notifying them that legally that amount had to be removed from my remaining balance - The company refused to give the requested information - Also refused to adjust the balance. 

Request that the balance be adjusted /corrected and or removed 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 explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX shows a balance of {$7400.00} ( Account opened XXXX ) I contacted the company 3 times via telephone & 2 times via mail requesting the VIN # of the vehicle and the amount the vehicle was either resold for or sold at Auction for and notifying them that legally that amount had to be removed from my remaining balance - The company refused to give the requested information - Also refused to adjust the balance. 

Request that the balance be adjusted /corrected and or removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX had put a thing on my credit report saying I owed XXXX so I disputed it and told XXXX to show proof I owed the bill or remove it they removed it but then another company EOS CCA put it back on so I told them I want proof of the debt or remove they told experience it's a valid debt but won't send me proof of a bill or anything else saying it is avaliable debt or if the amount is correct

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: NATIONSTAR MORTGAGE LLC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Dear Consumer Financial Protection Bureau : Re : Nationstar Mortgage # XXXXThe reason for me having to file this complaint is due to my mortgage company failing to respond to my loan modification request fax XXXX XXXX, 2015. It 's been 10 days and no follow-up request were made by Nationstar Mortgage. As of today, I have not been assigned to a dedicated loan specialist that they was working on my mortgage loan to try and qualified me for a home affordable modification. 

Furthermore, I am requesting your assistance in getting my concern 's address. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX ; XXXX and Transunion continue to report a collection/chargeoff on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has been transferred and therefore can no longer continue to show on my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report and this line item needs to be removed. This false reporting of a collection/chargeoff is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.

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 2015-05-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
After becoming more educated with my finances, I ran my credit report for the XXXX time for the purpose of reviewing the accounts back in XX/XX/XXXX. Upon reviewing the account I noticed there was a dependency on the names and address listed. My name is XXXX XXXX, XXXX of the names listed was XXXX XXXX XXXX. Aside from this, I also noticed a list of address linked to me that I never lived in. A XXXX account stood out because it showed the date of last payment was in XX/XX/XXXX and the account was opened in XX/XX/XXXX. This was scheduled to be removed from my credit report on XX/XX/XXXX, however, I decided to file a dispute with the credit burueas and the collection agency to validate the debt. I sent all letters via certified mail in XXXX. The response I got was in XXXX and not able to undertand what the letter said, I sent them a XXXX request. I received another letter from them in XXXX with no documentation showing the account was mine. So instead of investigating the claim, they changed the status of the account as a charge off. I sent all the letters to XXXXXXXX, and Equifax however, they again failed to validate the debts or remove them. No explanation has been given to me as to how this was determied or what was done to investigate the debt. I am 100 % I made no payment in XX/XX/XXXX nor is the account mine. The report stated the limit was {$200.00} yet the amount of the debt was {$500.00} I asked how that amount was even calculated but never got a response. Both The credit bureau and XXXX bank have failed to provide me with my right to validate debt. Instead, I received offensive stalling tactics by sending me letters in a language they assume I spoke. I ask that you please request further investigation from all XXXX credit bureaus. The XXXX account that is completely off is by a utility company called XXXX XXXX XXXX which is the collection agency for XXXX XXXX XXXX XXXX that was opened in XXXX/XXXX/XXXX. I sent them copies of my XXXX ID 's, to show I lived in the state XXXX and was attending XXXX college. It makes no sense how I could go open a utility account if I did not live in the state XXXX. After XXXX request nothing has been done to investigate these accounts. Please request a throrough invesigation, I XXXX these companies have caused me XXXX, I 've spent large amounts of money sending certified and expedited mail the last 2 months with no results. Thank XXXX XXXX, XXXX XXXXXXXX XXXX - XXXX XXXX, XXXXXXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened a credit card with Barclays Bank in XXXX after being solicited by XXXX and wanting to save for my daughter 's education. Big mistake on my part. In XXXX, while my daughter was a XXXX  in college, I added her as an authorized user on the credit card in case she needed to make an emergency purchase while at college. At the time, Barclay 's Bank assured both of us that my daughter had no financial responsibility for the card. 
In XXXX, XXXX, a charge was made to the account. Unknown to me at the time, Barclays had stopped sending statements on the account so that I was not aware of the charge however, my daughter did not make the purchase and her credit card was not activated at that time. I found out about the charge on XX/XX/XXXX due to a major decline in my fico score that was posted monthly by my bank. I paid the charge that day in the amount of XXXX dollars. 
Unfortunately, this has ruined both of our credit profiles. I can accept that this has ruined my credit even thought it is the only late payment that I have ever made. My score went down 100 points but it is still XXXX. 
My daughter however, is XXXX and her score has gone down almost 200 points. She has had 2 credit cards cancelled and been turned down for a car loan. Her credit score has gone down from the mid 800 's to the low 600 's. All because of the misrepresentation of Barclay 's Bank. They have ruined her future and should be held accountable.

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 2022-03-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The following is a recapitulation of the events beginning XX/XX/2022 with reference to the fraudulent checks processed through Chase Bank. 
XX/XX/XXXX - Four checks were processed and immediately recognized as checks we had not produced. 
The check numbers were numbers we have never ordered and the style of the check while similar was slightly different in format. The amounts written out were in all capital letters which we never use and when viewing these checks we saw the payees were not our employees or vendors. 
We immediately contacted our personal banker at our branch bank in XXXX XXXX, Florida and followed every instruction and procedure given to us. 
XX/XX/XXXX - 10 more checks were paid and again we notified the branch. 
XX/XX/XXXX thru XX/XX/XXXX - 18 more checks were cashed and withdrawn from our account. At this point the fraud totaled {$32000.00}. 
XX/XX/XXXX and XXXX - Five of the checks processed in XXXX were redeposited into our account and we thought this nightmare was coming to an end. 
XX/XX/XXXX we, as told by your staff, submitted the Unauthorized Signature or Forged Item Declaration with the dates and amounts of the first {>= $1,000,000} and assumed that from that point forward all the funds wrongly taken would be replaced and the travesty would stop. However : XXXX continued to be a fluctuation between checks being paid to the criminals and funds being returned to our account but the net effect was that we were still short {$33000.00}. Not an appreciable net gain. 
XX/XX/XXXX - All funds except the first {$16000.00} from XXXX had been returned. BUT On XX/XX/XXXX through XX/XX/XXXX the funds that had been given back to our account were taken from us AGAIN. 
The total amount we are expecting to be returned to us is {$37000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been a client with Bank of America since XX/XX/XXXX. While I was and am a loyal client I was granted the opportunity to work with them in XX/XX/XXXX. During the employment process they encourage all new employees to change over to an XXXX XXXX account. Given the " perks '' of the account I upgraded. 

I became employed with another financial institution in XXXX and went about my normal life. I logged into my account today in XX/XX/XXXX and noticed I was being charged a {$25.00} account maintenance fee so I immediately contacted BOA and was informed I had been charged this fee since XX/XX/XXXX because my " fee waiver expired. '' I received no notifications and being that I have not been employed there in over 2 years why I am I being charged a fee now without notification. They advised me that they could only waive this months fee but I want all fees from XX/XX/XXXX-XX/XX/XXXX to be refunded.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-18
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I purchased a house back in XXXX with an XXXX/XXXX/XXXX loan. The loan was mainly an interest only loan. In the XX/XX/XXXX my wife and I divorced and neither one of us could afford the house and it went to foreclosure and was sold on XXXX/XXXX/XXXX. Since that time frame roughly XXXX years the XXXX mortgage company SLS has continued to show their portion of the loan on my credit account and are not cooperating with resolving this issue. They have never sent any legal notification that they were pursuing payment for their portion of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I am writing to dispute   XXXX   on credit report number XXXX . The balance listed on the account is incorrect. Please delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Sierra Credit Corp
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
THIS COMPANY VIOLATED MY RIGHTS AND THE TRUTH OF LENDING ACT THE 15 U.S. Code 1605 - Determination of finance charge ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title ACCORDING TO MY CONTRACT THE FINACE CHARGE IS THE SUM OF ALL CHARGES WHICH IS XXXX THIS COMPANY DECIDED TO CHARGE ME A TOTAL OF XXXX I HAVE PICS FOR PROOF THATS A XXXX DOLLAR DIFFERENCE ON TOP THAT THE DEALER TOOK MY XXXX DOLLAR CASH DOWNPAYMENT AND INCLUDED IT IN THE TOTAL SALE PRICE WHICH IS A VIOLATION OF 15 U.S. Code 1692e - False or misleading representations AND A VIOLATION OF 15 USC 1692J Furnishing certain deceptive forms ALSO THE DEALER DID NOT DISCLOSE THE SECURITY INTEREST IN SMALL WRITING, Vehicle Code Section 11713.18 11713.21 was violated as well

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : DEPT OF XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX & XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've disputed all these accounts with all three credit bureaus. 

Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX DOCKET Number : XXXX DATE REPORTED : XX/XX/XXXX I've disputed these credit items several times with each bureau.

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 2022-10-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right of privacy 15 U.S.C 1681 Section 604 A. Section 2 : It also states a customer reporting agency can not fumish a account with out my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: JPMORGAN CHASE & CO.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Name of Company : XXXX XXXX XXXX {$25000.00} to include XXXX shipping. 
Start shipping XX/XX/XXXX & was to arrive on XX/XX/XXXX. The car Did Not Arrive Address : XXXX XXXX XXXX XXXX XXXX GA, XXXX Wire Transfer from XXXX XXXX  XXXX XXXX Mo made from a XXXX acct on XX/XX/XXXX to JP Morgan Chase Bank. The address of the bank it went to was XXXX XXXX XXXX XXXX GA XXXX, Acct number is XXXX Routing number is XXXX, Wire Reference # XXXX. The reference number for the transaction is XXXX Explanation of incident : I found a XXXX  XXXX XXXX XXXX XXXX on a website. They claim to be a repo broker service for vehicles. They only handled the paperwork for the banks and businesses that had repo accounts on the vehicles. I ask to visit so I could take a look and I was told they were the 3rd party therefore did not have any vehicles to show they ship directly from owner lots. They told me the car title would come after the 14 days waiting period after I received it and I wanted to keep it. They claimed to give the buyer up to a 14-day try-out period and If I did not want it I could ship it back without a fee. If I did not want the car a refund would be sent back up to 3 days when the car returned to the owner 's lot. 
The day came and went with no delivery I took a day off of work to be there when it was to arrive on XX/XX/XXXX at XXXX XXXX. I started trying to get ahold of someone at the previous contacts numbers and emails but I did not receive any response or explanation. 

It was such a disappointment to realize it was not going to be arriving I am out of my money due to this scam. I would appreciate whatever you can do to remedy this so someone else won't suffer the same consqences.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX OF XXXX Account # XXXX USDOE/XXXX  Account # XXXX DPT EDXXXX has violated my rights. 

15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A. 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 2021-08-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Wells Fargo states an additional checking and savings account were opened under my name with my correct SS # but the phone and drivers license information was incorrect. It was caught early and the account has been closed. Wondering why they would open an account with mismatched information. I also wonder if this is similar to previous behavior of opening up false accounts.

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