BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Filed a dispute of a credit card to TU in XX/XX/2016 for the amount they were reporting since it wasnt correct. Instead of correcting the amount, they completely deleted the credit card from my credit report. Every other credit bureau is reporting this card and I have called TU repeatedly to fix this and they wont. I have called the Credit card and they are still reporting my card usage to TU but TU refuses to add it back to my account. Since this has happened I have been not able to move forward in getting a home because they have severely damaged my credit score. They will not fix this, please help.

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 2015-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted Transunion Regarding Unauthorized Inquiries on my credit report, and I have supplied Transunions Fraud Department with the police report and they still did not address the concerned. They simply stated that I contact the creditors themselves and ask them to remove, however in speaking to them they referred me back to the credit bureau. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Fraudulent InquiresXXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXXInquiry Type : IndividualRequested On : XX/XX/2015XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX ( XXXX ) XXXXInquiry Type : IndividualRequested On : XX/XX/2015XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXXInquiry Type : IndividualRequested On : XX/XX/2015XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXXInquiry Type : IndividualRequested On : XXXXXX/XX/XXXXXXXXXXXX/XXXXINQUIRY DATE XX/XX/XXXXXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am a victim of ID Theft and I am asking for help with disputing negative items that are on my credit file. I owe students loans without a certification and I am XXXX years of age. I have consolidated my school loans to have additional negative items added to my file. When the closed accounts are opened one can see that it is closed and transferred to XXXX account through consolidation. I have been turned down for credit because of this action and have to dispute with help. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. When I look at the good accounts there shows the accounts all in consolidation. I am very concerned and I would appreciate an investigation and a letter of proof showing the investigation. I thank you so much for acknowledging my queries.

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 2022-04-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Almost XXXX  dollars was fraudulently withdrawn from my account. Chase bank did little to no investigation and denied my claim without any just reason. they made a hasty decision thats cost me XXXX  dollars. Set me behind on rent and put me In a horrible situation. They dont care or value their customers and they dont even provide the safety and security you would expect from an institution tasked with the protection of of our assets

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-08
Company: DISCOVER BANK
State: KY
Product: Credit card
Issue: Transaction issue

Complaint:
I am writing to your agency because I am very upset the way my credit card company ( Discover ) handled my claim. I disputed the charges of {$3000.00} made by this fraudulent company called XXXX on my card on XX/XX/2016 and also XXXX charges of {$190.00} charged by XXXX on XX/XX/2016, XX/XX/2016 and XX/XX/2016 These companies called me and were very persuasive. I had several contacts approach me by phone on how they were upgrading my site for the world to see it. I did n't understand on what to do. I have never been in this field of marketing. I ended up paying to several companies. All I was looking for was to make an extra income to pay bills. I was approached as owning my own business and bringing in extra cash. But in order to make money I would had to pay even more money to all these companies calling me and pushing me their services as necessary to my online business. And they always call you for more money, meanwhile I kept paying for more services and they were never provided. I was losing sleep unable to think worried about how to pay off creditors. Discover denied me for the wrong reasons. I was disputing as services not rendered. And is not a billing error. I did agree to pay for their services but they never provided me with them. I tried to resolve with the company 's first but after you ask for a refund they ignored me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: PNC Bank N.A.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I am a XXXX veteran who depends on his XXXX payments to live. In XX/XX/XXXX, I took a part time XXXX position with XXXX XXXX, XXXX PA. to make extra money as I was falling behind in some of my bills. My instructions from the company were specific, 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. Due to me being a XXXX XXXX XXXX veteran, this was a job I could handle. I started processing these money orders on XXXX XXXX and on XX/XX/XXXX was appraised by PNC Bank, XXXX PA. that the {$9900.00} in money orders that I had processed were fraudulent, according to the Postal Inspectors office. I was then told that I was being held responsible for the banks loss. I asked how I could be responsible when their trained tellers processed the money orders and said they were good. I was told the bank has to recoup its loss somehow. I immediately filed a police report with DE. State Police ( XXXX XXXX ) where I was identified as the victim. Repeated complaints to PNC at all echelons have led to no results. Their final decision made on XX/XX/XXXX was the same as I had received earlier, the bank has to recoup its funds somehow. On XX/XX/XXXX I contacted the FDIC at XXXX, talked with a representative who said that for cases like mine involving fraud/money laundering, that is why each bank account is insured for {$100000.00}. I ask you give this complaint your upmost attention, PNC Bank confiscated my VA XXXX Check on XX/XX/XXXX for {$3000.00} and my XXXX check on XX/XX/XXXX. I have no money to buy food, gas, and my telephone has been cut off. I can not go to bi-weekly treatments for part of my condition and my food supply is bad shape. Due to these events my health is dwindling and there are many factors that make this situation critical.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This is horrible! My credit is absolutely bad thanks to a identify theft

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 2021-09-30
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was in the modification process for three years with PHH, they shared back in XX/XX/2021 that I'm elgible for XXXX if I were to move. Since PHH was unwilling to modify the loan and gave me the option to receive {$10000.00} to move, I sold the home. I have not received the XXXX as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card
Issue: Billing disputes

Complaint:
Again chase has acted against the best interest of a customer even in the light of evidence I requested that Chase review some merchandise that was not delivered to me. 
The sent me a note saying that the items were delivered despite my assertions to the contrarry and denied my requests for proof. 
I then supplied a tracking number that isnt mine but was provided by the seller USPS XXXX again notifying them this item, which happened to represent the most expensive of the disputes ( XXXX ) and they ignored my correspondence and denied receiving it. 
I need to have the XXXX ( XXXX/XXXX/16 ), XXXX ( XXXX/XXXX/16 ), XXXX ( XXXX/XXXX/16 ) and XXXX ( XXXX/XXXX/16 ) refunded to my card ending in XXXX. If they choose to dispute these claims then show me the item was delievered to me in XXXX, especially the XXXX. I am 100 % confident they cant for the XXXX charge and I never received tracking information from the sellers on the other charges. 
Chase needs to grant my request for refund and documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I was served paper work for a civil lawsuit from Midland Credit Management INC. This was for a closed XXXX XXXX card from back in XXXX. I was paying all my bills and was current on my bills. I quit receiving statements since I had believed the account was paid in full and closed. 

On XX/XX/XXXX when I was served a civil court order to appear in court for a total balance of {$2900.00}, I noticed that the creditor had my incorrect address listed, showing me as living in an apartment not in a home. I live in a house not in an apartment complex. The address they had listed is not my correct address. So I do not know where the mail was going to with the incorrect address they had listed for me. 

I have not received any phone calls or letters in the mail from Midland Credit Management INC, until I was served with a summons to appear in court on XX/XX/XXXX. 

I pay my bills and I do not have issues in my credit. For a company to file a civil law suit and not follow federal law of notification to the consumer and ensure that the consumer has properly received the mail to make payments is not lawful. How can a company file a suit without properly notifying a consumer via certified mail to ensure the consumer receives the mail? The consumer then could respond to the mail if the consumer had received the mail going to the correct address. 

If the creditor never sent out mail to consumer to make the payments, how can this be a consumers problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I paid my rent online through my resident access website XXXX17, but I used the wrong account. I moved the money to the correct account and called Citibank customer service to make sure that my rent payment would not be rejected. When I spoke to the representative he put me on hold and then came back and told me that my payments should not be rejected. I kept watching my account and the money was never taken. When I called Citibank today XXXX17 they said that it was already to late when I called. My issue is that I accrued additional late fees due to their misinformation and they said all that they can do is apologize that they have no intention of reimbursing me anything ( According to XXXX " Supervisor '' 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 explanation
Consumer complaint received 2021-09-30
Company: ENCORE CAPITAL GROUP 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: Was not notified of investigation status or results

Complaint:
I HAVE BEEN DISPUTING AND REQUESTING FOR VALIDATION FOR THIS ACCOUNT FOR OVER 280 DAYS. THEY HAVE FAILED EVERY TIME TO SEND ME ANY SORT OF DOCUMENTATION PROVING THIS IS MY ACCOUNT IN ANY WAY. I HAVE REQUESTED THAT THEY REMOVE THE ACCOUNT FOR FAILURE TO ABIDE BY THE FCRA. THE LAST TIME I SPOKE WITH THEM THEY TOLD ME IT WAS REMOVED AND THEY WERE NOT REPORTING IT. THAT WAS A LIE. THAT WAS OVER 60 DAYS AGO. THEY HAVE NOT COMPLIED BY THE LAW AND REFUSE TO REMOVE THIS FROM MY REPORT MY LAST LETTER STATED This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires you to respond within thirty ( 30 ) days or more, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. XXXX XXXX XXXX ), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: Experian Information Solutions Inc.
State: IN
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: Problem with personal statement of dispute

Complaint:
Experian has failed to provide proof of investigation for an account listed as XXXX XXXX XXXX on my credit report. XXXX is in litigation due to deception. The account was settled and the company was found at fault. The account has been removed from 2 other bureaus. I have asked Experian to provide proof of reinvestigation and they haven't. Instead Experian updated my account as unchanged without showing proof of investigation. 

Under the Fair Credit Reporting Act Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in the consumer 's file if the consumer alleges the item to be inaccurate. 

There are two XXXX accounts reporting on my credit report with the same account numbers but different opened dates.

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 2022-05-05
Company: The Bureaus, Inc.
State: MN
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : 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 2015-04-16
Company: DISCOVER BANK
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Company garnished my bank account along with those that I was associated with even thought I was in a payment agreement with them and current on the payment agreement with no notice or attempt to renegotiate the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
On XXXX XXXX, 2016, I attempted to order my credit report over the telephone. I provided all of the correct, required information. I am eligible for a free report because I recently placed a fraud alert on my file. However, I received an automated message that stated they did not have enough information to provide me with a report. Additionally, Trans Union has refused to delete outdated, inaccurate, and fraudulent information, even though I have substantial documentation to show the information should not be on my report. I thank you in advance for your assistance in resolving this matter of importance.

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 2022-04-16
Company: EQUIFAX, INC.
State: CA
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:
The account XXXX credit card and the XXXX XXXX account XXXX  is fraud. They do not belong to me. This complaint is a follow up to my complaint submitted a few weeks ago. In this complaint I have attached a police report. The detective has released the report and they have possible lead on the suspect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
On or about XX/XX/XXXX, I applied for a mortgage with Cardinal Financial online. After qualifying for the mortgage online, I was instructed to order an appraisal in order to proceed with the application. When I inquired about the appraisal, Cardinal Financial stated that this was mandatory and assured me there will be no problem with the mortgage application. Relying on Cardinal Financials ' assurance, I paid {$660.00} to Cardinal Financial for the appraisal. Immediately upon payment, I was contacted to schedule an appraisal appointment and within few days was notified that the appraisal was completed. However, this was a total waste of time and money because Cardinal Financial had not received nor even requested a " Condo Questionnaire. '' After submitting the entire application, we informed that they were still waiting in the " Condo Questionnaire '' to schedule a closing. Finally on XX/XX/XXXX, I was informed the unit did not qualify for a mortgage based on the " Condo Questionnaire. '' When I inquired why they made me order an appraisal and complete the application before they even requested a " Condo Questionnaire, '' I was informed this was their policy. I would not have ordered an appraisal if not for Cardinal Financials ' specific instruction and assurance. 

Based on Cardinal Financials ' instruction and assurance I wasted time and money. Accordingly, I am demanding a full refund for the appraisal fee I paid. Going forward, they should also be precluded from forcing future clients to order appraisal s before the " Condo Questionnaire. ''

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: Halsted Financial Services, LLC.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am contacted by this company multiple time a day. Every time I answer ( with a greeting ) I get hung up on. One day I called them back to see who was calling me and they stated the reason for the call. I told them to stop calling me due to the fact they never answer when I pick up and I am in the process of repairing my credit, so when the time comes, I will get that handled as well as the fact, I do not have the funds to take care of this debt. Here we are months later and they still keep calling. I called back again today, spoke with the floor manager, explained the situation and told him, too, to add me on the do n't call list. He refused to hear me. I have a feeling they will continue to call multiple times a day with no answer. I want it to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Ditech Financial LLC
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I am very devastated of the way Ditech has handle my loan. I submitted all documents needed to be review for a Deed in Lieu. However I have an active sale date for XX/XX/2017. I confirmed with the Ditech Foreclosing Attorneys " XXXX '' and they have not received any request from Ditech to push my sale date BACK or to have it canceled until my Deed in Lieu is finish. I recently received a letter from Ditech dated XX/XX/2017, they have a complete packet and that they will respond within 30 days. However, I am XXXX because my sale date is still active with the Foreclosing Attorneys. I am tired that Ditech keeps prolonging my case. I am XXXX years old and it has been very difficult to move around. I am just waiting on my Deed in lieu so I can live in peace. I am too old to start all over. I have tried to negotiate a modification however ; I was not " eligible '' based on Ditech. Therefore, my last option will be a Deed in Lieu. Please help me I do not want to die before I can resolve this issue.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I went on annualcreditreport.com. I wanted my credit score from TransUnion so I agreed to pay the fee. However, I feel it was not made clear to me that I would be charged a month fee from that point on until I proactively cancelled. I think this is underhanded and they are taking advantage of countless citizens that are not clearly aware of the contract they are agreeing to when requesting a score which in my opinion should also be free once per year. I feel I was tricked and they refuse to give me my money back.

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