BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
this is my 3rd letter to the CRA 'S ( TRANSUNION, XXXX, AND XXXX  ) about inaccurate and incomplete accounts they are reporting on my credit report that is old or unverified. I submitted the letters on the XX/XX/2020 and has not gotten any response in this matter.this is stressful to the max by not being able to get any help in this matter.i have copies of my complaints below.

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 2015-07-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been trying to resolve an issue for almost two years with Chase Mortgage, and can not get results. I am currently in Chapter XXXX bankruptcy, and making my payments regularly. We did not include our mortgage as part of our bankruptcy, so with the interest rates going so low we decided to look into refinancing our home. We met with a Chase Mortgage Banker, but he said we are a month behind on our payments. We have never missed a payment, and have records to prove it!. I have called Chase multiple times to try and resolve this issue and all we get is a run around. They never call back as promised, they never mail statements to show where or when we missed a payment, nothing. The Chase Mortgage Banker, admitted that Chase has lost customer payments in the past especially when Chase buys mortgages from other banks, which is what happened in our case. We originally had our Mortgage with MetLife, and did not have any issues until Chase got involved. 

Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: JPMORGAN CHASE & CO.
State: FL
Product: Consumer Loan
Sub-product: Title loan
Issue: Can't contact lender

Complaint:
I asked for a month extension, something I have asked for before. I was told I had to wait 12 months, I called back after the 12 months and got denied. I asked for a supervisor who started arguing with me over what the policy is, I just wanted 1 month extension to get back on my feet financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed a certain judgement that is located on my credit report. XXXX XXXX placed judgement against me that was illegal and was revoked. I have disputed this with the credit bureaus and they continue to come back and say the judgement is valid when it is not. I filed a complaint with the CFPB against this company, and it is fact that this company filed an illegal judgement against me. They even reported back to CFPB, that they have stopped all action and revoked the judgement being that it was illegally done. I filed disputes and they refuse to remove this judgement from my credit report. The case that I filed with the consumer financial protection bureau against this company which is XXXX and that illegal judgement they filed is Case # XXXX. This case they clearly stated that they are revoking the judgement and in fact it was filed wrong and they are not pursuing action. I want this removed from my credit file as well as compensated for them inaccurately investigating this claim.

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting 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 am refilling my complaint to TRANSUNION. I believe that my information is being misused and reported as inaccurate and this is complaint to TRANSUNION. In my credit report from XX/XX/2023, I still found these unauthorized inquiries reflecting in my credit report, that I was not aware of .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and 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 2021-01-12
Company: Auto Trakk, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been getting almost daily calls from Auto Trakk , LLC for someone who is not me. The calls started when I got a new number approximately XXXX of XXXX. After a few calls and speaking to a supervisor, I stopped receiving calls XX/XX/XXXX ; however, the calls have started again. I received phone calls on XX/XX/XXXX and XX/XX/XXXX. I returned the call on XX/XX/XXXX leaving a voicemail notifying them again that they had the wrong person and I was not who they were trying to contact. 
I received another call on XXXX where I spoke to an employee and told them I was not the person they were looking for and to please stop calling. Employee stated they would not call again. 
I received another call on XXXX, where again I notified them I was not the correct person and to stop calling my number. Employee again apologized and stated they would not call. 
I received another call on XXXX, where I asked to speak to a Supervisor. This supervisor stated he would make sure the calls stopped. 
Since speaking to a Supervisor, I have received calls on XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I moved out XXXX, located at XXXX on XX/XX/XXXX. I was subsequently notified of resulting move out charges in the amount of {$1000.00} via mail on or about XX/XX/XXXX at my new address in XXXX ( See annex A ). I was not notified of these charges at anytime prior to this date either orally or in writing. The notice stated I had 30 days from the move out date to remit payment which I did on XX/XX/XXXX ( see Annex B ) However, XXXX XXXX had already referred my account to a debt collection agency, Hunter Warfield prior to the XX/XX/XXXX deadline ( see Annex C ). The amount paid was in the value of {$1000.00} as a {$64.00} is currently in dispute with XXXX XXXX XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My name is XXXX XXXX XXXX and my husband I and recently sold our home in XXXX 2015. When I contacted my credit card company, XXXX account ending in XXXX, to update my new address it was misinterpreted. Instead of XXXX recording my address as XXXX, PA, it was recorded as XXXX XXXX. Not only was I not aware that my address was incorrect with the company, I never received my new credit card or my XXXX bill that was sent to the wrong address. I was not even aware that XXXX XXXX XXXX was the name of the new company as a result of their merger. I only realized that there was a blemish on my credit when my husband and I were applying for a loan for our new home. As you can see from my past history payment on my XXXX XXXX account I have very good history of paying my credit card on time. I am asking that you please look at this unique situation of our moving in XXXX, the credit card company having the wrong address and as a result we missed a XXXX payment and received a blemish on my credit score. I spoke with customer service at XXXX XXXX XXXX today, XXXX XXXX, 2015 and they made notation of this situation on my account. I am humbly asking you to please consider taking this off of my credit score. This missed payment would not have occurred if we had not moved and my address was correct. Thank you in advance for your time and effort given to this situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters to the credit bureaus regarding 1 debt collectors ( XXXX XXXX ) who engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to {$1000.00} per violation and cleary they violated my rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12
Company: TRANSWORLD SYSTEMS INC
State: SC
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 obtained my credit report and I have noticed that XXXX XXXX XXXX have tried to share private information without my consent which is a HIPPA Violation. The 3 major credit bureaus or Transworld Systems Incorporated refuse to provide actual documentation of me giving them permission to share my personal records with their collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I keep seeing this company 's name on my credit report and have no idea who they are or why they claim that I owe them. This account was created by identity theft. It could be a relative or other unknown person ; it is not mine. I recently hired a credit repair company to help with this issue but have not seen any action taken. I 've asked the company as well as the credit bureaus to block this information, but no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
In XXXX I was vacationing in XXXX XXXX XXXX XXXX. I experience identity theft and my account was charged almost {$600.00} I filed my fraud claim with Bank of America and they came back and said because I had made purchases the same day the fraud had occurred with the same merchant the frauduelent vendor had also used that they are unable to determine if any fraud has occurred. This is why we sign receipts, the bank is not doing their due diligence and im out {$600.00}. Because every vendor in XXXX uses the same merchant that should n't be my problem. 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 2015-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Over the past couple months my Bank of America checking account has started to receive a {$12.00} fee. I was told this {$12.00} fee is because I do not have a direct deposit of $ XXXX set up on my account. The {$12.00} is waived if you have a $ XXXX monthly direct deposit set up to the account. The problem is I have been conducting {$250.00} transfers from my account at another institution for over XXXX years and have never had a fee for this. So why now? I was told by an online representative that I am now receiving the fee because my transactions are transfers, not deposits. However, my girlfriend has relationships at the same places and conducts the exact same activity that I always have. She is not being charged the {$12.00} fee. How is it that BofA can be allowed to charge me but not her for the exact same activity? I believe this is a form of discrimination. Unless they can identify every person who transfers money instead of having it directly deposited and applies fees to all of those customers I should not be receiving this fee. Why I am I being targeted all of a sudden? My activity has never changed so why am I being charged for that now?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-12
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My complaint is that I have mailed information to Navient to see what could be done to have my student loan payments reduced but they continue to have me delinquent with payments I have tried for a year now to see what can be done when XXXX send information to me about doing a repay plan for XXXX dollars a month for a full year than my account would be forward to a loan servincing company paying the same amount each month they lied to me because when I received information from Navient my payments would be over XXXX dollars a month I could not afford that so I mailed a letter with a request to see what other options I have they never acknowledge my later but continued to place my account in a late status each month I want to pay on my account but I can not afford the amount that was stated the company is unwilling to help. i do n't understand why the companies are not willing to help consumers XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Some time in XXXX, I received XXXX fees totaling {$70.00} ( {$35.00} for initial overdraft, then 5 days later an additional {$35.00} ). Upon learning of these fees, I went into my local branch to get clarification on fees process. I requested to terminate overdraft protection on my account and I was told it was done. Sometime in XXXX I received additional {$70.00} for the same reasons mentioned above. on XXXX I contacted the bank for the second time and was informed that the changes I requested were n't made when I initially requested them.

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 monetary relief
Consumer complaint received 2017-03-30
Company: NCB Management Services Inc.
State: MN
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Describe what happened so we can understand the issue ... A rep from this collection agent did n't catch her name will call about 2 times a day asking to settle the debt. She will call from the XXXX number now it 's been turn into her call from a local number here In our state. 



XXXX XXXX XXXX, Mn XXXX NCB MANAGMENT SERVICES XXXX XXXX, PA XXXX XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX which you claim my account was charged off {$8800.00} This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount DESIRED RESOLUTION

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: Paypal Holdings, Inc
State: KS
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, XXXX, I a consumer received a Dispute from Paypal on Transaction # XXXX. Dispute # XXXX. This dispute was from a person who attended a online seminar in XXXX XXXX, XXXX and paid the required cost to receive the XXXX XXXX. The customers dispute is unintelligible but complains to Paypal that she was not happy about promises, suggestions, illusions she made regarding how the event was carried on. Nonetheless the person received exactly what was offered which was a online class. Paypal has engaged in debt collection activities by immediately placing on hold and seizing the personal assets of the consumer based on deceptive acts of its customer attempting to avoid paying for its services received and unable to be returned back. Paypal often creates situations whereby customers are often scammed, schemed by persons who know they can obtain services and goods, file a meaningless Dispute supported by no facts, not even a plausible foundation for the complaint. Since Paypal often does no reasonable investigation, the consumer loses proceeds especially services such as XXXX XXXX to which it can not get back. Paypal therefore performs unauthorized electronic funds transfers of assets without legal, lawful authorization to act as a judicial court. Paypal was sued by the CFPB in XXXX for similar acts and agreed by Consent Order to refrain from such illegal acts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card
Issue: Billing statement

Complaint:
I had a fraudulent charge on my Bank of America charge card. They sent the bills to an incorrect address. I was unaware of the transactions existence until I pulled my annual credit report and noticed the account had charged off. This was not a credit card I used regularly. This was associated with a subscriptions service that had an auto renew that I was unaware of this feature. This coupled with the fact B of A did n't send my bills to my address led to my account charging off.

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 monetary relief
Consumer complaint received 2017-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
i applied for a mortgage on XX/XX/2017 and was denied because of lack of existing loans, my Transunion credit score was XXXX on that date. I then applied to XXXX for a secured personal loan. I was told that my Transunion Credit Score was XXXX. I went back to the mortgage company and applied again and my Transunion Credit score still XXXX with the new credit report they pulled on XX/XX/2017. I have called a number of times and can not get any response as to this issue, nor can anyone explain to me how I am to rebuild my credit score when it appears there is something else going on that I am not aware of. I am asking for your assistance in resolving and getting a clear explanation as to this issue. Thank you in advance for your help and support in resolving this matter. 
Sincerely, 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 2015-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I applied for a refinance with Bank Of America, after taking my XXXX Dollar Fee things went down hill from there. I was asked to fax or send by E-mail XXXX documents which I did. I was told the Loan was approved and would be closing soon. After not hearing anything for some time I called and was told the application was closed due to lack of information. I was given a list of information to send which I did several times. I believe Bank Of America is simply collecting Fee 's and stopping all contact in the Loan process. I cant believe the number of Complaints this Bank has against it, almost word by word for XXXX Customers.

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