BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I pulled up my free annual report through Transunion, began the process of disputing items on my report, and found out they only let you submit one report of a dispute or multiple disputes at a time ( although I am not sure if the platform supports more than one at a time ). I submitted one and thought I would then go back to my report to dispute the rest, one by one. Big mistake. They blocked me from seeing my report any longer and from filing anymore disputes until the first was resolved. The supervisor on the phone assures me that I am the only customer who ever filed the dispute before saving the credit report to a pdf or printing it. Consequently, " for my security '' they won't let me look at my credit report anymore or file anymore disputes without cancelling the first or waiting two more weeks now for it to be resolved. Do you know how long it took the other bureaus to correct my disputed items? 24 hours. Please please please save the middle class and stop these bureaus from making a business out of creating misery for us. All of Transunion 's representatives were outsourced. That means this illegitimate business doesn't even provide jobs for Americans.

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 2017-04-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Checking account fradulent charges noticed in  XXXX   XXXX . Chase bank made aware  XXXX   XXXX . Fradulent charges started in  XXXX   XXXX  and continued monthly until  XXXX   XXXX . Chase will only credit  XXXX ,  XXXX  and  XXXX   XXXX  fradulent charges due to a 60 day notification policy. I was never made aware of unsual charges ( i.e.  XXXX  from California - I live in NY  ) or  a 60 day policy to report fradulent charges. I use paperless statements to help save paper.   There are a remaining  XXXX  fradulent charges th at Chase ref uses to credit accounting for {$47.00}.  Chase 's policy  to refuse reimbursement for fradulent charges is unethical and seems illegal. Please help.   Sincerel y, Concerned citize n and friend of  XXXX   XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-14
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I sent a letter of dispute on XX/XX/2020 and its been over 60 days with no response

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 2021-02-19
Company: Experian Information Solutions Inc.
State: LA
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:
Filed numerous complaints and disputes with XXXX  and XXXX  also Experian and showed proof of inaccurate reporting on my credit with no results will attach all info

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 2017-03-31
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
this company has accounts that has been close on my account and some these accounts dont even have the merchant name or contact information. I want these accounts remove from my credit. I ca n't get a good job with these stuff on my credit. In addition some of these accounts have been solve by the merchants to this XXXX collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
stolen license many years ago. changed my name to protect myself, but since 1992 my credit is always wrong, now someone has given fraud using my ssi, and gotten cards, real estate and more.i need to put a stop to this forthwith and prosecute those who are using my info. 
the ssi office do not help.and i was born and raised here.how can your office help make this right?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
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: Personal information incorrect

Complaint:
i sent a dispute letter XX/XX/2020 with no response at all

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
First issue I can not obtain a copy of my credit file anywhere, I never placed a lock on my credit file. Second I have disputed the following items many times and no response back. Your company is violating my rights I have disputed several times the following items which are PAST THE STATUTE OF LIMITATIONS AND THE CREDIT REPORTING AGENCIES ARE LISTING INACCURATE DATA WHICH VIOLATES MY RIGHTS ON THE FOLLOWING XXXX XXXX original DLA is PAST THE STATUTE OF LIMITATIONS XXXX {$46000.00} XXXX Original DLA is PAST THE STATUTE OF LIMITATIONS XXXX DUPLICATION AND PAST THE STATUTE OF LIMITATIONS XXXX PAST DUE $ XXXX DUPLICATE AND PAST THE STATUTE OF LIMITATIONS XXXX ORIGINAL DLA IS PAST THE STATUTE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: EQUIFAX, INC.
State: SC
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX South Carolina, XXXX DOB : XX/XX/XXXX Last four Digits of my social : XXXX Dear Sir / Madam at Equifax, See enclosed Documents, in XX/XX/XXXX ; i paid off 3 high interest rate loans with XXXX XXXX XXXX. All 3 rates were over 20 %. I did this to qualify for a mortgage on a new piece of property. On XX/XX/XXXX you penalize me 42 points causing my home loan to be canceled. Then on XX/XX/XXXX you penalize me for using a credit card with a XXXX dollar credit limit. I only used 15.5 % of the total credit card limit. Earlier this year you allow some fly by night collection to go on my credit hurting my credit. The other two bureaus, my scores are all in the 700s, but with you people you have continually have hurt my credit and caused me aggravation, I want my scores reversed and put back where they belong in the 700s. Paying off loans, and paying on time means nothing anymore. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: Seterus, Inc.
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was purchased by Seterus some years back, while I was in the middle of a chapter XXXX bankruptcy. Seterus has repeatedly rejected all attempts on my part to communicate with them. They said that I needed my lawyer to send them a permission. I asked my lawyer at least XXXX times to send such a permission, and was informed each time that such a notice had been delivered. 
My chapter XXXX was discharged successfully in XXXX of this year. I am XXXX of the 35 % who are successful in this regard. I sent notice to Seterus, along with the discharge papers, via fax. I requested information on the status of my account ( Escrow, Suspense Account, and Payment Coupons ). I received no reply. I asked again via e-mail. Again, no reply. Then I checked my credit report and found that Seterus was listing me in their account statement as having declared bankruptcy in XXXX of 2015, rather than having been discharged. Bringing that to their attention resulted in nothing as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07
Company: ALLY FINANCIAL INC.
State: AZ
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
Here is something that NO ONE is thinking about that home buyers, and especially first time home buyers are not considering when purchasing a home! I even tried to get legislators to require this, but they refused. When the mortgage crisis hit, many HOAs did very little to manage their finances. At least mine did n't. They spent a lot of money going after home owners, and collecting very little because the HOA found out it could n't collect, so we picked up the legal fees for liens. My HOA in the last 16 years relied on a defect lawsuit settlement to " keep their dues down '', but there next to no funds to begin with. I screamed about having a reserved study for years. About 5 years ago they had one done, and we are about XXXX underfunded. There are only XXXX homes in my HOA. So very quickly, ..in a matter of a few years the HOA 's settlement money will be depleted, and there will not be enough money to fix the exteriors, the roofs, the roads, and pools in our area. These new home buyers have no idea what is facing them because they have never purchased a home before. The HOA does show them the reserves, but it does not show they the future requirements based on the reserves studies. It 's a HUGE piece of the financial obligation puzzle that is conveniently left out of the financing of ahome. So many HOAs are underfunded, that realtors would have a fit if it was exposed. So many buyers do not realize they may be buying a lemon, ..so in a few years, there may be a lot of them walking away when special assessments hit them. And if they do not approve them, ..they community will suffer. You need to do something about disclosures, ..because on a state level HOAs are not doing a thing about it because they do not need to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: Account Discovery Systems, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
A company by the name of Account Discovery Systems called me at XXXX. They called me from XXXXThey were not even looking for me they were looking for someone with a similar name. 

The full name of the debt collector isAccount Discovery SystemsXXXX XXXX XXXX XXXX # XXXXPhone Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I tried to pay this off first they said the pay off was like XXXX now its XXXX i keep getting the run around about this being deledted off my account if i pay

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: MARINER FINANCE, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Mariner Finance issued unsolicited personal loan check in the amount of {$2500.00} dated XX/XX/2019. Check was mailed to my current address but intercepted by unknown party who then forged and cashed the check. I did not receive proceeds from check and Mariner Finance is now contacting me regarding installments due on loan. Police report has been filed with my county sheriff 's office and with Mariner Finance to dispute loan/debt owed.

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 2019-05-30
Company: EQUIFAX, INC.
State: TX
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:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the DPT ED/XXXX  and US DEPT ED accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 5, 6, 7, 19, 20 and 21 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Please read and see attached document. 
Original creditor reporting on my report as 0 . New creditor listed LVNV funding LLC which is RESURGENT CAPITAL LLC listed on my collections as balance of {$1400.00}. Contacted LVNV for debt validation. They never sent me a letter until it appeared on my credit report. I have attached copy of letter I sent to them back on XXXX of 2019 and have yet to receive a response. I have called them numerous times and can not validate debt. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Consumer Portfolio Services, 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: Account information incorrect

Complaint:
i notice a inaccurate and incomplete item on XX/XX/2020 from CONSUMER PORTFOLIO SERVICE, INC and sent them a letter on XX/XX/2020 regarding this account asking for information relating to the validity of the account and has not receive anything from them inwhich is a violation of the law and i will be contacting my attorney with this matter.I have a copy below

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I live in XXXX, XXXX XXXX XX/XX/2019 XXXX XXXX sent a group of men in a box truck to " inspect '' my home. After kicking in my door and removing valuables from my home, including but not limited to ( XXXX ) XXXX, ( 1 ) Laptop, various video games and and XXXX. In addition, they stole equipment by cutting ( 2 ) locks off an enclosed work trailer filled with approximately {$50000.00} worth of tools. I contacted the bank, and they told me to file a police report. I filed the report the next day. The bank has since refused to talk with police or me about the theft. It should be noted that this same bank ( XXXX XXXX  ) was subject to XXXX dollar settlement with several states, including Connecticut for engaging in this illegal/criminal behavior. I am asking for your help or guidance with this situation. It is extremely important and news worthy for the public to be aware of such behavior. I have about 40 pages of documentation, including police reports. to prove my assertions. Please contact me at XXXX. Look forward to hearing from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: FIRST CITIZENS BANCSHARES, INC.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
No matter what I do I am unable to contact CIT Bank, a division Of First Citizens at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I have been locked out of my account and no matter how long I wait, no one will answer the phone at XXXX They are holding my money against my will

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: DISCOVER BANK
State: NC
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:
XX/XX/19 I ordered a product from XXXX via third party vendor for {$130.00} Order #  XXXX contacted XXXX when i didn't receive the item by the due by date and the tracking said the item was returned. XXXX said since it was a third party i would need to contact them. I contacted the seller and they gave me a new tracking number one day later. After a week and still not receiving the product I contacted the seller again but they said its been delivered and then proceeds to ignore all future messages. XX/XX/19 I disputed this transaction with Discover as Item not received Dispute # XXXX. Discover after 30 days denied my dispute saying that XXXX provided tracking and its valid, I appealed the decission and provided screen shots from XXXX site they asked for but discover said it didn't matter. i still havent recieved this item. It seems discover has a know reputaion of siding with the seller in dispute cases from reading reviews. However, XXXX site indicated that this item was undeliverable and i would be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( XXXX ) days past due on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a transaction history on this account and it clearly shows that I have never missed a payment. More importantly, this transaction history shows that monthly payments were made PRIOR to the late fees being assessed. There is a consistent pattern of late fees being charged AFTER a payment was made! This false reporting of lates is seriously harming my credit score and these lates need to be removed from my credit report. I have contacted the bank and the ( 3 ) bureaus to remove these lates however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In late XXXX, I opened a checking account with Wells Fargo under a {$400.00} promotional bonus offer. The terms indicated that I would receive the {$400.00} bonus after completing the following : 1 ) Opening an account with at least {$25.00} and 2 ) Having at least 1 direct deposit totaling {$4000.00}. 

I have completed both of those requirements. I received a response from a " XXXX XXXX '' within Wells Fargo Complaints department. In her response, she indicated I had not completed the direct deposit requirement which is not truthful at all. I am attaching a screenshot direct from the Wells Fargo banking portal which shows I had a direct deposit from XXXX for over {$4000.00} on XX/XX/XXXX ( more than 30 days ago ). It says that DIRECTLY on the Wells Fargo banking platform. Now if that's Wells Fargo 's mistake, that's on them, not on me. Don't punish the customer for something the bank did incorrectly. 

The bottomline is I fulfilled the terms of the bonus and I want my {$400.00} bonus. I am attaching 2 images to this complaint. One showing the terms of the XXXX bonus and another from Wells Fargo bank that I completed the $ XXXX direct deposit requirement.

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 2015-03-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I went to XXXX of XXXX XXXX XXXX XXXX XXXX HillsCA XXXX phone # XXXX asked XXXX XXXX times on XXXX XXXX that how much It will cost me? I also told her that I have only XXXX XXXX, and she replied your payment will be XXXX '' If she would have told me the amount, or not covered by XXXX 100 % I would not have gone there. After some time I started receiving call to demanding money. I kept telling that XXXX told me that payment will be XXXX so I am not going to make any payment so Firm went to collection agency, XXXX. Collection agency stat writing threatening letters and wrote me that if I do not pay, it will be reported to credit bureaus. 
On XX/XX/XXXX when I received my credit report. In spite of writing all explanation XXXX collection agency ( and provided all documents ) reported to credit bureaus I think it is not ethical because collection agency should investigate XXXX. I thought collection agency would investigate to find out what is the truth. It is not fair to report to credit bureaus without conducting investigation. What kind of protection consumers have? Is it fair to consumer to suffer because provided wrong information or it is it by law that collection agency destroy any body 's reputation? Is it not responsibility of collection agency to report its finding? 

Is not consumer protection agency main function to protect consumer? 

Please help me

Company response to consumer: Closed with explanation