BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction or removal of the erroneous information about my account has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX A ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-19
Company: Penn Credit Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On or around XX/XX/XXXX my state was hit by Hurricane Irma Around the XXXX I called my mortgage servicer and informed them I would need a forbearance. Currently the forbearance is being offered to anyone in Florida. 
My home is in a mandatory evac. zone and has incurred approximately 100,000.00 of damage. Around XX/XX/XXXX I checked my account and saw my servicer had drafted my payment. At that point I called and never received a follow up. Ive sent 5 emails and two registered letters ( attached ). 
Around XX/XX/XXXX I called " XXXX ''. 
They finally made contact and pushed the servicer to agree to the forbearance verbally for XXXX, XXXX XXXX. 
Today I became aware that they are labeling my acct as past due. 
I 've made several attempts to no avail. 
I need help on this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
hi i made a payment on my td credit card and for some reason td didnt register it. 
because of this td sent to the credit bureaus ' that there was a missed payment. this is not true. when i reached out to td they agreed to waive the late fees but were not willing to help regarding the incorrect missed payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX, and TransUnion was XX/XX/XXXX but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$590.00} ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-28
Company: Diversified Consultants, Inc.
State: IL
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:
I took XXXX XXXX XXXX to court onXX/XX/XXXX regarding a {$1500.00} bill. They XXXX out the balance during mediation, rather than risk my winning in court. I checked my credit report shortly after the court date and noted that the debt was actually removed from my credit report, prior to the court date. <P/>Today (XX/XX/XXXX ), I received a credit alert and found that the XXXX XXXX XXXX debt is back on my credit report.I contacted the agency, Diversified Consultants, and they told me that they did not report it ; and even so, they told me that they do n't remove items from credit reports. I asked to speak to a supervisor, who told me that XXXX XXXX XXXX recalled the debt, but that they did not actually report it to the credit bureau. After I insisted that it was on my report, I was told to send them screen shots of my credit report and that they will get back to me. <P/>The fact that they told me they do n't remove items from credit reports, and the fact that they are unable to even locate a record of the report, leads me to submit this complaint. <P/>I have submitted a photo of the letter from XXXX XXXX XXXX 's legal counsel, as well as the screenshots of my credit report that I was forced to send to Diversified Consultants, since apparently they do n't keep records of the debts they send to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I lost my income in XX/XX/XXXX and fell behind in my mortgage payments. Bank of America sent me packets for loan modification and before I sent a completed one in, I called them and they advised me not to send it in and that they were sending an updated one to me. Instead, I started receiving foreclosure information. I gained employment in XX/XX/XXXX and resumed my mortgage payments. I was able to stop the foreclosure by sending Bank of America all required documentation for a modification. Each time, my requests have been denied. I have continued for 7 years now to apply for a loan modification. I was told in XX/XX/XXXX by an agent with XXXX XXXX XXXX that they are the facilitators of the loan and that XXXX XXXX  actually owns the loan. I was told that XXXX XXXX does not do loan modifications. Can you please help me with this? 
My mother, XXXX XXXX XXXX, is on the loan with me. She is XXXX and has XXXX. She is no longer living with me. I have durable power of attorney for her affairs. 
I have 7 years of documentation and am able to provide any that you need.

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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform youthat there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion failed to comply with the Fair Credit Reporting Act,15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: Resurgent Capital Services L.P.
State: MT
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:
On XXXX. XXXX, 2022 I called LVNV FUNDING LLC and tried to speak to someone about a fraudulent account some one had opened in my name. I notified them of this fraudulent account on my credit report and asked how to fix this issue. I verified my identity and gave them my new address. They told me to wait for a call back from a different department. I waited no call back. I open my credit report and see not only the account still on my credit report but they closed the account and sent me a bill of {$600.00}. I notified XXXX, XXXX and XXXX of this fraudulent account as well and all of them have not removed this account. This is not my account it is fraudulent and LVNV FUNDING LLC has committed FRAUDULENT activities on my account asking me for information about me for verification purposes not for account update purposes. I never gave permission for them to use my information or obtain my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Was offered a {$250.00} statement credit if applying for Chase Freedom card. Only got {$150.00} bank says they cant find offer.. It appeared on their site when I was logging into my existing Chase accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: JPMORGAN CHASE & CO.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had submitted my loan modification package to chase back in XXXX 2017. Until today I do n't have an answer of denial or approval. We had submitted all documentation required for the loan modification. and I just never get a chance to speak with someone. Always answering machines and rudeness customer service rep. Chase had changed our relationship manager over ten times so we ca n't never had a clear communication with anyone. Everytime a new relationship manager changes the story changes and we starting all over again. We are exhausted with the discrimination of background that we are receiving. I 'm XXXX and I feel discriminated and thus why Chase does what it does. 
My account with chase is clean, never defaulted and long time customer but chase seems that it 's ok for them to discriminate based on my background. I 'm reaching up to the authorities to investigate this discrimination issue and I will be contacting an attorney based on this issue. 
We are seeking a principal reduction so we can pay off the loan. I do n't have a job, I 'm sick with XXXX XXXX and I ca n't just take more headache from a company that does n't care about their loyal customers. So please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Im sick of disputing this charge with Midland Credit Agency. This was originally a charge with XXXX and i tried to make right before ev3r being sent to collections and they couldnt find an account. Now i called and to try to settle this i asked them to request proper amount and they wouldnt. Theirs all these late charges which i shouldnt be responsible for when i never received any bills and tried to pay amount owed with XXXX and couldnt find account. Now this needs off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or about the first week of XXXX I apply for a refi-mortgage with Wells Fargo bank they asked for {$510.00} for the appraisal. On XXXX XXXX after watching the negative news about Wells Fargo I decided to cancel the loan process via text and email. The loan XXXX who was handling my case pleaded not to, but at the end I requested not to proceed with the loan and the appraisal. 
On XXXX XXXX I received a {$510.00} charge on my XXXX credit card, I reply to XXXX loan XXXX and she said they will credit my account, and that there was no appraisal done.

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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2022-01-11
Company: EQUIFAX, INC.
State: NC
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:
There are numerous inquiries on my Equifax Credit report that I did not authorize or I do not recognize. Prior to my calling Equifax to resolve, I did contact each and every company and request they remove the unauthorized inquiry or that they provide me with proof that I in fact was the one who authorized the inquires. 

The following are the companies I did not authorize to run my credit or I did not apply for any type of services with them. 

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NC XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Sentry Recovery and Collections, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was with an apartment complex three years ago with a lease. I had to break the lease in XXXXXXXX XXXX XXXX due to relocation for my job. The apartment complex excessively and unnecessarily charged me and due to COVID, I was unable to pay it. I heard absolutely nothing about this issue until until just a few months ago from Sentry Recovery and Collections. I began to get repeated and harassing phone calls from this company. I attempted to call and set up a payment plan last month. The individual stated that he needed a large payment as the company was adding interest to my account every month I did not pay. I stated I could only do about $ XXXX {$200.00} a month due to my job uncertainty, and he rudely said that my suggested payment amount would not work as that wouldn't even cover the interest on my account. I pleaded with him and he was extremely rude and I hung up from the phone call extremely distressed.

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 2017-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I have sent 4 request for transunion to verify in accurate accounts on my consumer report I asked for them to send me documentation they have in their files that they used to verify these accounts ( FAIR CREDIT REPORTING ACT, 15 U.S.C - 1681g ) I have not received any response from Transunion regarding these accounts. I have asked for them to send me the documents and not to just send that they have been verified I would like documentation that show this and if not documentation is not there to immediately delete them under section 611 ( a ) ( 5 ) ( A ) ( I )

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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Other problem getting your report or credit score

Complaint:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. 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 non-monetary relief
Consumer complaint received 2017-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Other problem getting your report or credit score

Complaint:
I can not access my credit report because it is confusing me with my twin brother. transunion, XXXX, and XXXX have not helped me at all.

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 2022-05-04
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Truist bank withdrew two auto payments at once without my consent and in violation of the terms of my loan. I tried calling and, while pleasant, their employee states she can't do anything bout it and I might happen again. She refused to refund the amount taken out illegally stating that 'it wasn't in their system yet '. Employee states she'll have to 'send a note to someone ' and I might get a 'call later in the week '. SunTrust was the originating institution, the auto draft was set up through them, and I had no problems with the previous 16 payments until Truist bought them out.

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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX, XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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