BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Hello, I have been a victim of False Impersonation. I have a copy of my police report on file with the XXXX Police Department and I have a case number that I received from the FTC when i registered a claim with as it relates to the fraudulent activity. In addition all 3 major credit bureaus have a certified copy of my police and a fraud affidavit. With that being said, i was advised to request a Freeze from the credit bureaus to prevent further fraudulent activity. I did for about two years. It was my understanding that no one would be able to access my credit unless i provided them with my access code. I received written confirmation in the mail that my credit file was BLOCKED from all 3 bureaus. 

However, my complaint is that TransUnion said they blocked my file but they still allowed unknown/authorized creditors have access to my credit file and add inquiries to my credit history. I have requested the UNAUTHORIZED inquiries be removed and instead of Transunion investigating and ascertaining the matter they said my investigation was complete ... ... they said Inquiries are a factual record of file access??? 
My point is what was the reason of my file being blocked if UNAUTHORIZED person/persons still had access to it? 

I am requesting the FRAUDULENT inquires and FRAUDULENT DATA be removed from my credit report and history Inquires XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Inquires XXXX XX/XX/XXXX XX/XX/XXXX Inquire XXXX XX/XX/XXXX Inquires Fair XXXX via my Fico XX/XX/XXXX XXXX XX/XX/XXXX Requested fraudulent inquiry be removed already on XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX Requested fraudulent inquiry be removed already on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX Requested fraudulent inquiry be removed already on XX/XX/XXXX XX/XX/XXXX Remove Address XXXX, XXXX, CA XXXX Requested fraudulent residence be removed already on XX/XX/XXXX and XX/XX/XXXX Remove Employment XXXX Requested fraudulent employment be removed already on XX/XX/XXXX XX/XX/XXXX and XX/XX/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 2020-01-10
Company: WELLS FARGO & COMPANY
State: UT
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:
Wf/XXXX # XXXX is reporting an account with a balance to my credit report that should not be on there. This account is completely paid off but is still reporting a balance, it is in violation and needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-31
Company: Freedom Mortgage Company
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My wife and I bought a home at XXXX XXXX XXXX, XXXX XXXX , Oregon in 2002. We bought it for {$81000.00}, and a payment of {$720.00} at 7.5 interest. My wife left me about 2 years ago and refuse to pay anything on this house. She did sign over a quit-claim deed. I went to my mortgage company, Freedom Mortgage, and ask if I could apply for a hardship program due to loss of income from my wife. I am XXXX years old, XXXX on Social Security income only, a XXXX veteran and a XXXX I suffered in a car accident when I turned XXXX. The mortgage company put me on trial basis and lowered my payments per month at {$590.00} per month. I have always paid what was required every month without missing one payment, but they are saying in one of their letters they have not received any payment - that is not true, they received the lesser payment required of me to pay. During this time, the mortgage co., kept adding on extra charges per month the difference between the trial payment to the original payment. When I asked them about this extra charges, they told me not to worry about it. When the modification came for me to sign, it requires my wife 's signature to go through because her name is on the mortgage contract and she refused to sign. When I asked could my name be listed only on these papers because she gave me a quit-claim deed. They told me they could and re-issued me new papers with just my name, I went to the housing authority and had this papers signed, notarized and sent back. In one of their letters they denied my modification as they say I did not send in the paperwork signed and assisted by HUD. That is not true! I sent them the paperwork on schedule. 5 months later they come to me and tell me they still require her signature and if she does not sign, I am going to go into foreclosure, because adding the difference between my trial payment to the original payment, I am delinquent with my mortgage and owe them {$5300.00} and if I do n't pay this amount up to par by XXXX XXXX, they are going to start foreclosure procedures on me. My home right now I owe is {$63000.00} and I feel what this mortgage co., has done to me is unfair practices. I need 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 2016-06-23
Company: JPMORGAN CHASE & CO.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposit my pay check automatically. I monitor my account daily. Here 's the issue : when I make a transaction. It appears on my statement as pending. and my balance indicates the deduction amount. Say I have {$1000.00}, pay {$100.00} my balance shows as {$900.00} and so on. 
so I only spend what I have available. I do n't spend more than what I have. What Chase is saying is that the merchant when a trans action is pending the amount is put in reserve. 
if the merchant does not process the transaction within 5 days. The reserve is place back into my available balance. However my available balance does not indicate the reserve added back. so I had {$1000.00}, spent {$100.00}, have {$900.00} available, spend the available {$900.00}. on other bills, and then the original transaction of {$100.00} is posted, They are saying that I am overdrawn and are charge me a fee of {$35.00} so I 'm asking what happened the {$100.00} deducted from my original {$1000.00} balance. So my balance go down with every transaction but never goes back up when the pending transaction is reinstated back into my account. They say they do n't indicate that on my statement. How can I keep track of my money when not all the transactions are not indicated in my account statement. They are pulling some XXXX here and need a forensic examination of how Chase list the transaction on a costumer statement. Please advise on my next step. I 've had enough and I 'm getting the run around from Chase with no clear answers as what happened to the deducted amount from my balance. 
also transactions disappear from my statement, Case in point. I spent {$100.00} on XX/XX/XXXX. My statement indicates the transaction the same day and my available balance is reduced by {$100.00}. 
the merchant post the transaction on the 20 5 day from the original transaction. By this time I I have depleted the remaining balance. so now I 'm overdrawn. What happened to the {$100.00} and the original transaction on XX/XX/XXXX is nowhere to be found on my statement I have a receipt from the merchant dated XX/XX/XXXX. Some is going on here and they been pulling this for quite sometime. Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-31
Company: The Regional Adjustment Bureau, Incorporated
State: TN
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:
Debt was the result of an identity fraud from a bank

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
In XX/XX/2019, I entered a debt settlement program here in XXXX. Capital One credit card company was informed of this, as I was unable to pay. They did not draw from my account from XX/XX/2019 ( after they were informed ) because first off, I am not on auto withdraw, and never was! I paid my bill online every month. I went in my account and paid it manually. Yes, they call me everyday all day until XXXX XXXX in order to collect the debt. 

Fast forward to XX/XX/2019 Capital one went into my account where my information is still saved, and stole a {$52.00} ... .and 10 days later ... XX/XX/2020 took an additional {$52.00}. The best part is when I called they said they never applied these payments and they now have to do an investigation even though it is their error. Ironically, I received an email stating that if I did not contact them by XX/XX/XXXX, they would place my account in release, and the very next day they without legal authorization withdrew from my bank account. Bottom line, I never authorized in, and I also think it ; s harassment because I am unable to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
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: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations

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 2017-01-29
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This letter was sent to Freedom Mortgage after numerous verbal attempts to get them to reverse the late charges they assessed me. I sent them numerous proofs that I had made the XXXX and XX/XX/XXXX mortgage payments on time. 

XX/XX/XXXX Freedom Mortgage Re : Loan XXXXXXXXXX Mortgage Holder XXXXXXXXXXXXXXXXXX In XX/XX/XXXX, you notified me that I had not paid my mortgage payment on time. After this, I provided you with a copy of my XXXX bank statements for XXXX & XX/XX/XXXX. They showed that I had paid my mortgage payment on time in XXXX and XXXX through my online banking. I subsequently sent you a " proof of payment '' from my online banking account. 
When I made my XXXX payment, you applied it to my XXXX payment and then notified me that I was delinquent in my XXXX payment. After it became apparent that you were not going to process my XXXX payment, I voided it and sent you a replacement payment. 
If I had written you a check and mailed it to you, I would have no proof of payment on time. If the check was not delivered by the postal service, I would not know that until you informed me. 
If a payment check was misplaced or lost at your firm, you would consider me to not have made the payment. Obviously, I would not know that had occurred either. 
Neither of us can determine what happened to the online payment for XX/XX/XXXX. However, I have supplied you with proof that I fulfilled my obligation by making a timely payment of my XX/XX/XXXX mortgage payment. 
You charged me a {$110.00} late fee which you took out of my normal " additional principal curtailment '' payment. I would like that fee reversed and have the {$110.00} applied to my principal. 
Your refusal to do that would reflect very poorly on your business ethics. 

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 2020-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Back in XXXX I filed a complaint of fraud for this account. I asked them to send me the validity on this account and how it was opened. I have not received it and they keep reporting to credit bureaus. They have been " investigating '' since XXXX but keep reporting. I spoke with XXXX and he said they need my information and haven't done anything but sell the debt to XXXX XXXX XXXX. I have asked for this to be removed because I didn't open this account.

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 2020-01-10
Company: Experian Information Solutions Inc.
State: UT
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/XXXX # XXXX is reporting an account with a balance to my credit report that should not be on there. This account is completely paid off but is still reporting a balance, it is in violation and needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am currently disputing XXXX XXXX XXXX with CFPB. They are not responding in an appropriate time with CFPB. The negative account was taken off of Equifax months ago and I was trying to get it off of XXXX and XXXX via CFPB. Not only has XXXX XXXX XXXX not removed the account from XXXX and XXXX they actually added it back on to Equifax after it has already been deleted and the executive director of XXXX XXXX was contacted directly concerning my situation by CFPB. They have received all the proof showing that I was a victim of Identity Theft ( Police Report, FCRA Affidavit, etc. ) and still are not cooperating. This is beginning to become tortious interference of business practices due to I function in the real estate industry by using my credit I may need to contact a lawyer in order to place a civil suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
We filed Bankruptcy in XXXX of 2010. XXXX XXXX XXXX and XXXX both are erroneously reporting mortgage lates after that date. These were recently reported on all XXXX bureaus and have dropped our credit scores. We have been working to recover from a very difficult time 6 years ago and seems like they just want to keep us down.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-25
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I did NOT give written permission to have these fraudulent accounts furnished on my report. I surely hope that each company will comply with code ; 15 usc 1681a2 ACCOUNTS : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-25
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Dear Bureau of Consumer Financial Protection, We made request to Experian for my Credit Report dated XXXX/XXXX/XXXX ... 
On XXXX/XXXX/XXXX, I received a request for proof of address and Government issue ID. 
I forwarded a copy of my Drivers License, Social Security Card, Utility Bill, Birth Certificate, more than what was required. 
XXXX XXXX, XXXX, I received a second request of the very same information Report Number XXXX ... 
This is highly irregular ... 
This report is very important to, for I 'm applying for a mortgage. 
Attached you will find the mailings with documents enclosed ... 
Thank you, 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 2020-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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've reached out to XXXX XXXX and asked them to provide me with documents, and the procedure they took that proves and validates that I had ever been late on any of my payments. I have yet to receive any proof and I dispute the accuracy of the information that is being reported on my credit report. This is in direct violation of federal law. I do wish to keep my account open and in good standing but I am disputing the fact that I had ever been late on paying my monthly bill. The late payment is said to have occurred in XX/XX/XXXX Please See attachment. 
Account Name : XXXX/XXXX XXXX  Account Number : XXXX Account Type : Charge Card Date Opened : XX/XX/XXXX Status Open. 
Allegedly LATE : XX/XX/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 explanation
Consumer complaint received 2020-01-10
Company: DISCOVER BANK
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: Their investigation did not fix an error on your report

Complaint:
I lost my discovered mile card and i was on the phone with them over an hour, and some department told me that nobody can't told me to which is a lie!!! since the customer service did talked to me and went over some unauthoriezed transaction ... .. and the job isn't completed i'm just fed up with them discover is treating me horrible. please help me with these unauthorized tranaction, i myself can't even log in to see it the last time i had it was at XXXX  which was on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX lost XXXX of my payments made in XXXX XXXX which were made in agreement for a deferment to secure my loan. As a result of their negligence in losing my payments which made the account more delinquent than it actually was and subsequently caused them to repose my vehicle on around XXXX XXXX XXXX. I disputed the missing payments with them by sending official bank statements and the bank ( XXXX XXXX ) speaking to them verifying the payments were made and on what days. XXXX XXXX refused to accept my official bank statements, debit card transaction and payment receipts as proof of payment. XXXX also never sent me any documentation about the repossession or the auction within the 14 day time frame as required by law. I filed a dispute against XXXX XXXX concerning the documentation that I nor the primary borrower received with the XXXX. XXXX XXXX claims they sent the documentation but to an incorrect address despite the fact they had repossessed the vehicle from the very address that was on file. In fact XXXX is still reporting to the credit bureaus as if this account is open and active showing late payments from the month of XXXX XXXX up until now even though the status should reflect chargeoff

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 2017-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Transunion is reporting a paid tax lien beyond than the FCRA Sec.1681c, statue of limitation of seven years. The tax lien was fully paid in XXXX XXXX. The Fair Credit Reporting Act Sec. 1681c. Reporting of obsolete information prohibited ( 3 ) Paid tax liens  which, from date of payment, antedate the report by more than seven years. Transunion is the only CRA reporting this negative item in violation of FCRA Sec.1681c ( 3 ).

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