BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
TransUnion credit reporting service is charging my credit card {$27.00} per month and has refused to cancel my account. I tried to log into my account online on XX/XX/XXXX but it would not log me in. I tried the " forgot my login information '' button, entered my social security number twice and last name as indicated, and it blanked the fields. I tried again multiple times and it did the same thing. Today, XX/XX/XXXX, I tried that same process again and it failed again. I then called the TransUnion customer support number. The automated system asked me approximately ten questions to verify my identity, all personal information, which I answered correctly. It then patched me through to " XXXX XXXX, who I told to cancel my account. When he began asking me questions about why, and so forth, I told XXXX not to ask my sales questions but to simply cancel my account now. XXXX replied that their system was at that time going through a " system upgrade '' and that my account could not be pulled up. I insisted that XXXX and TransUnion close my account immediately. XXXX hung up on me. It is not believable that TransUnion would make its customer account information unavailable to its service representatives during business hours when TransUnion advertises that their customer service lines are available. Nor is it believable that my account information would not be available when the automated phone system had just accessed a great deal of my confidential personal information to verify my identity.

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 2022-09-30
Company: Affirm Holdings, Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I'm writing to you because I noticed that my most recent credit report contains late payments reported on XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019 for my personal loan. Account number XXXX. 

When I paid this account in full and on time. I have my bills on autopay and when I checked my credit report months after the incident my credit score has taken a massive dip. I did not receive any follow ups from affirm about warning me close to my payment date and so I was in the impression that I didn't miss any payments and everything was paid on time and full until I saw this report on my credit report. 

XXXX is infringing my privacy and showing this report to market to other lenders and during the investigation, was not able to show me the proof of CONTRACT with my signature that was made between me and Affirm. According to the consumer laws information that is inaccurate and unverifiable must be deleted items from my consumer report immediately. XXXX has blatantly broken THE CONSUMER LAWS. 

( AFFIRM INC ACCOUNT : XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Resurgent Capital Services L.P.
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: Personal information incorrect

Complaint:
My name is XXXX XXXX, my date of birth is XX/XX/1999, my credit reports for XXXX, XXXX, and XXXX show differently. In addition, there were several accounts opened before I was and adult and they should be removed. These accounts are in collections with LV funding, XXXXXXXX XXXX XXXX XXXX. I never charged anything on those accounts. I would like them removed and my birthdate corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This letter is in response to your recent claim, which Bank of America claim I have a charged off account with them.By not replying in a timely manner to my initial letters, they have not only violated federal and state laws, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. I 've made attempts to contact them by mail be all I got was returned mail I only mailed them at the address listed on my credit file. XXXX XXXX XXXX XXXX XXXX TX 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 2017-08-14
Company: Home Servicing LLC
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
The second lien on my property was sold to Home Servicing LLC in XXXX 2017 from XXXX XXXX XXXX. They did n't even have any account number assigned to my property until the middle of XX/XX/XXXX. I had a short sale approved with the first lienholder at the time XXXX XXXX, that told me they also were selling my first lien to XXXX who was to honor the short sale. I finally received communication from Home Servicing on X/X/17 stating that there investor required {$33000.00} to settle the 2nd lien of record. The previous holder of the second lien only wanted {$27000.00}! To no avail, I have had to restart the short sale process and I currently have a contract of sale. Another was made to the second lien holder but received no response from emails, calls, or priority mail delivered letters stating my wishes to pay for Satisfaction of Mortgage. However, I was told by XXXX they could allow for 10 % of the face value of the note which is {$85000.00} so they would only allow for {$8500.00} to be paid and shown on the HUD statement. This company has neither shown me that they purchased this note from XXXX XXXX XXXX nor have they recorded their assignment of mortgage with the County Clerk. The second lien has never proceed with a Foreclosure action and the note of record is well past the Statute of limitations. So any monies they get should be enough. Please advise as how can I get a Satisfaction or Lien release for this stagnant mortgage that clouds the title of the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Exeter Finance Corp.
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: Personal information incorrect

Complaint:
Last date was XX/XX/2021, the amount was for {$16000.00} and I have filed 2 disputes with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I did not open this account and incur this unpaid balance. Someone, other than myself, wrongfully used my personal information to obtain a line of credit/service. Ive been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Incomm Holdings Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/XXXX, I purchased four reloads of XXXX XXXX cards in the amount of {$500.00} each. Unfortunately, the first two reloads brought me to a $ XXXX monthly limit, and so Incomm did not load the remaining {$1000.00} cash into my XXXX account. Though Incomm makes it virtually impossible to reach them on the phone, I finally did, and was given an email address to send documentation. I did so on XX/XX/XXXX. On XX/XX/XXXX, Incomm send me another email, saying that they needed a utility bill. I do not understand why, if needed, that would not have been requested with the rest of the initial documentation, but I responded on XX/XX/XXXX with a copy of my electric bill. I have received no further communication from Incomm. They have stolen {$1000.00} from me and refused to refund it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was shopping for XXXX XXXX online and I clicked on what I thought was their website. It was a fake, phony website set up to look exactly like their site. This is the site XXXX XXXX XXXX It had all the same shoes and they appeared to be on sale. I was going to buy 2 pairs for myself and 1 for my Dad. 

I went to check out and it sent me to PayPal. Upon reflection, I thought that was strange and it was the only way to pay. I submitted payment and then I realized it was a scam as the payee was a foreign name, XXXX XXXX, and the website did not reflect any payment confirmation it only stayed the same. The PayPal transaction ID # is XXXX. 

I tried to recoup the funds immediately from PayPal but they wouldn't allow me to cancel the transaction or recoup my money as they said it was a private payee not a company. 

Is there anything you can do to help me recoup my money? It was {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Around XX/XX/XXXX. All my remaining derogatory accounts referencing my bankruptcy were purged. XXXX XXXX was the last one. All had exceeded the 7 year DOFD rule. about a month latter ( XX/XX/XXXX ) I noticed that this creditor had changed the information on an account previously listed in good standing to discharged in bankruptcy. This account had been listed as closed as of the day of my bankruptcy. In reality it was closed 5 years prior. Why did they suddenly start reporting this account back in XX/XX/XXXX. I now know. It seems that they were aware that that my accounts included in the bankruptcy were over 2 years old when I filed limiting their reporting to 5years. They hedged their reporting by letting this account sit idol until it was the only thing left. They then started reporting the bankruptcy on that account. Upon contact they admitted it was wrong and after more than 6 weeks latter issued a letter of correction but they have not stopped reporting this account as included in bankruptcy. It corrects then a week latter its back again. The problem is that every time it re reports. My credit score drops 50 points, as the bureau thinks its a new bankruptcy. They appear to be correcting it but its still going on 3 months later. I have sent the bureaus a copy of their correction letter but they fail to investigate and it keeps re reporting. XXXX XXXX says verified on XX/XX/XXXX. Equifax says verified on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hi, I raised a dispute with Chase on XX/XX/2022 in regards to a hotel room that was cancelled on XX/XX/XXXX through XXXX XXXX travel agency. I initially booked the hotel on XX/XX/2022. I had plans to travel to the XXXX XXXX on XX/XX/2022 and stay until XX/XX/2022. My fiance ended up testing positive for XXXX that morning so we cancelled the hotel reservation soon after. I attempted to get my money back through XXXX XXXX and my agent said she called the hotel and they would not refund any of it. I believe this to be incorrect given it was XXXX related. After dealing with them, I raised the dispute with my credit card ( Chase ) on XX/XX/2022 and they temporarily credited me with the amount ( {$1100.00} ) for the hotel on XX/XX/2022. They sent me a letter stating they were reviewing the dispute and that if there is no response in 2 billing cycles from XX/XX/XXXX, the credit will be permanent. On XX/XX/XXXX, 2 billing cycles had passed and no word from Chase. They didn't contact me until XX/XX/2022 and sent me a letter on XX/XX/2022 confirming that I need to pay the charge, nearly 3 months after putting in the dispute. I gave Chase a call and spoke to a representative who was not of any help. They noted I could escalate within Chase, but likely would be the same outcome/review process. They went past their word of saying after 2 billing cycles, the credit was mine along with not backing up their long standing customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-14
Company: Mid-Atlantic Finance Co., Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is currently an inaccurate item being reported on my credit report from Mid Atlantic Finance I have contacted this company at the address listed on my credit report here:XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I 've had my mail returned because this company is reporting incorrect info about me I understand that this is against the fair credit reporting laws.My attempts to have this debt validated were failed and after months of sending letters to address I found online I never received a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: CORELOGIC 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:
A request for my credit report was made on XXXX/XXXX/17 without my consent, they stated that I request a loan which is untrue. My credit report show this information as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA 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 2019-08-08
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX - I visited a restaurant in XXXX, Texas. Later that evening, Iberia fraud department called and left a message about suspicious charges. I went and looked online the next day to look at the transactions and noticed that there were charges made to my account in the amount of {$160.00} that I did not authorize. I spoke with someone at Iberia bank fraud department on XX/XX/XXXX after i viewed these transactions and they said that they would put a hold on the transactions from this establishment. They said that I needed to go into my local branch and file a fraud report. I went into the local branch on XX/XX/XXXX and filed the fraud report. On XX/XX/XXXX, the transactions went through. On XX/XX/XXXX, I received a letter saying that my dispute was denied. They said that i needed to contact the business but no one answered the phone at the business and it appeared as if the business was permanently closed because i went to the restaurant at the same time on XX/XX/XXXX. I re-filed the dispute saying that I was unable to contact the business and they still denied my claim. 

The Business refuses to provide any evidence to show why it was denied. They refuse to let me speak to anyone in the fraud department. I let them know that I did not sign the reciept for those transactions, but its like they do not care.

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 2023-03-21
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I opened up a Chase Checking and Deposit accounts in XXXX XXXX XXXX. On XX/XX/XXXX I changed all my automatic payments to Chase checking Account and transferred {$91000.00} from my XXXXXXXX XXXX account to Chase Account via mobile deposit of my personal checks written to me and endorsed by me. When the funds were still not available two days later I made numerous phone calls all informing me that my money would be tied " On Hold '' status until XX/XX/XXXX. I called XXXX and they confirmed that the money is out of there system and is sitting on Chase account pool. I had no access to bulk of my money neither from my previous bank nor the current bank. My numerous appeals and attempts fell onto deaf ears including the XXXX XXXXXXXX XXXX  Manager, his assistant XXXX XXXX. He told me I should send him a screenshot of my bank account along with check images, which I did, TWICE. Nothing happened. I now missed my chance to put my money in Treasury Bills to bring me at least a little bit income. I am retired and I am trying to the best with my money. To no avail .... 

Moreover, I wanted to transfer some securities to JP Morgan Chase. When I called and told them I needed help with the transfer because the forms were to detailed and I did not want to make any mistakes. The first two questions were " Is it self-directed? '' " How much are you going to bring over? I told them yes it was going to be self directed and asked them if XXXX XXXX XXXX was enough for them to agree to help me. The answer was " In that case, I can direct you to someone who can walk you through the form ''. This royal highness was apparently too good to help me to complete the process. 

I am more than appalled about the the behavior of the staff and the bank 's pompous behavior towards the citizens. I want to be compensated for their use of my money for 10 days plus penalties to put me through such anxiety and dispear. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: OK
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  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 XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, 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:
On XX/XX/2022 and XX/XX/2022 Consumer Reporting Agency Equifax were given direct verbal and written instructions to delete the adverse, inaccurate and unverifiable item of information listed on the consumer report it furnished, an CHARGE OFF account titled XXXX XXXX XXXX XXXXXXXX. Equifax is in violation of 15 USC 1681c ( a ) 4 and and15 USC 1681c ( a ) 5 of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During XXXX of XXXX I had a financial hardship due to the covid-19 pandemic I reached out to my mortgage service Loan Care and they placed me on forbearance doing that time I was not required to make payments. I applied for the North Carolina Homeowner 's Assistance Fund ( NCHAF ) and was approved on XXXX the XXXX XXXX in the amount of reinstatement for {$9300.00} and 3 months going forward for the month of XX/XX/XXXX, in the amount of {$460.00} XX/XX/XXXX, in the amount of {$430.00} and for XX/XX/XXXX, in the amount of {$460.00} giving a total amount of assistance received {$10000.00}. the payment was submitted to my servicer lawn care However, it was not posted correctly. I've been in contact with Loan Care in reference to the discrepancy in posting. Loan Care had not addressed the issue as of XX/XX/XXXX. Loan Care does not apply payments made on my account, however the send notices of nonpayment while the payments made are in an unapplied funds account. I request that Loan Care provides a monthly mortgage statement via mail and the has not happened yet.

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 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Have accounts appearing on my credit report that are effecting my household negatively and i have tried to contact the company and have gotten nowhere because I do not know any details about these account, what I do know is what is listed below. The account info that is listed on my credit report is listed below. 

1 ) XXXX Account # XXXX opened XX/XX/2008 credit limit {$4000.00} balance owed {$6000.00} 2 ) XXXX Account # XXXX opened XX/XX/2008 credit limit {$3800.00} balance {$4700.00}

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