BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-23
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: Old information reappears or never goes away

Complaint:
I contacted XXXX to inform them that the date of delinquency in this account was the first day after I missed a payment which was XXXX XXXX 2009 and should have been reported within 90 days .this account should be in default After I did n't make a scheduled payment for a period of 270 Days from last payment according to federal Regulation. I included documentation for payments schedule and proof that XXXX got no payment past the date stated above yet ... They included fraudulent information on my credit report to default the loan at a later date so the status of limitations can be manipulated. XXXX should remove all negative information from all credit bureaus since the delinquency date was more than 7 years and no payment have been made since. Legal action will follow for this fraud.

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 2022-09-06
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX # XXXX credit reports for collection of delinquent child support, judgements, fines and liens may no longer be permitted.

This agency is in violation of 15 USC 1692g. This is an official dispute of this account. 
I demand the above account deleted from my consumer report. 


IVE ENCLOSED DOCUMENTS FROM THE XXXX WEBSITE This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. 
I have not given you written permission to put anything on my credit profile. 

15 USC 1681b Permissible purpose of consumer reports a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2018-06-01
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I went to XXXX in XXXX XXXX, pa in XX/XX/2015 to get brakes put on and while there they said that i needed {$400.00} worth of work because my wheel bearings were destroyed. So i had them fix them, but after driving two minutes down the street realized nothing was fixed. They had given me a XXXX credit card to pay with which I used to pay for everything. So i went back a second time and they once again charged me on my XXXX credit card to fix the same problem and when i left i realized they still were not fixed. So after going back a third time and being charged again on the same credit card and still not getting my car fixed they said they probably wont be able to fix my car and to take it to a dealership. I then took my car to a XXXX dealership and they notified me that not only did they not fix anything properly on my car and that i would have to pay for all of it again, but they also cross thread my axle and i needed to purchase a new one, so i was charged {$1300.00} at XXXX for all repairs. After multiple attempts at trying to contact the district manager at XXXX from me, XXXX and my mom, no one answered any of our calls or called back. The credit card has an extremely high interest rate which i was not aware of and has put me into debt which i from services that were not even done properly. The credit card debt has now been turned over to a collection agency, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have asked several times for these inquiries to be removed from my file I have a fraud alert and did not give XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX permission to run my credit ... I am a single mother of XXXX girls and it is hurting us to get furniture and other necessities because these businesses took advantage and ran my info.. PLEASE HELP US!!

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 2017-04-11
Company: Norwich Commercial Group, Inc.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I applied for a mortgage with my existing company, Norcom Mortgage, in XX/XX/XXXX and the credit report pulled at that time did not show any mortgage late payments. Due to property availability issues, my credit had to be pulled again in XXXX, this time Norcom reported XXXX, separate 30 day late payment marks on my credit report. Obviously, this came as a surprise to me as two months earlier, there were zero late payments reported. The late payments show up starting in XX/XX/XXXX and run all the way up to XX/XX/XXXX. I have bank statements that show every payment made to Norcom Mortgage from XX/XX/XXXX to today 's date - all of which are NOT 30 days past due. I have tried to resolve this with separate calls to Norcom to have my credit report updated so that I can get a new mortgage, but nothing is happening. It is impossible for me to be approved for a mortgage now with this happening. This puts me in a very difficult situation because now that Norcom pre-approved me to buy a new house, we have since listed our existing home for sale - and have a contract for someone to purchase this house, as well as we have entered into a contract for us to purchase a new home, believing that we have the green light to do so. Now, unless this is remedied quickly, I am at risk of losing both the sale of my existing home and the purchase of our family 's dream home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened an account with Synchrony which bank/amazon. They immediately put a fee of XXXX that I did not sign up for. It took me two months to remove the XXXX. Then I bought a pair of shoes from Amazon. I did not even open the package ; sent it back. Amazon applied a XXXX credit. to my account. Synchrony started billing me XXXX which included a XXXX fee. I wrote them a letter on XXXX, 2017. No  answer. I contacted Amazon No response. I then contacted the shoe company that I bought the shoes from. They said they applied XXXX. I received my bill from Synchrony on XX/XX/XXXX wrote them a letter again. No answer. I do not owe this credit card money. 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 monetary relief
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHO

M IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as so
on as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
To Whom it may concern, My name is XXXX XXXX from XXXX, I am using Paypal checkout as a payment method for my XXXX website. Few days ago my paypal account was terminated without notice and it has a 180-day hold period now. ( Total amount {$10000.00} USD ) My Email : XXXX My PayPal email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I would like to report that there are falsely placed information in my account. I already sent messages to the bureaus months ago but they did not do anything to remove and correct the false information in my credit. I attached the letter with the accounts written to this report i am making.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: American Coradius International LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from American Coradius International saying I have a XXXX debt. I do not and never had a XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
The account is not being reported correctly on my credit report. The date opened, high credit, credit limit, date last reported, comments section, date of last activity, date of last payment, and payment history are different across all three credit bureaus. How is this possible if the bureaus are getting their information from the same source, XXXX XXXX? I have written letters to XXXX XXXX and the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report or deleted. I also called XXXX XXXX in XX/XX/2022. I have not received a response from the credit bureaus or 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 2022-03-10
Company: Experian Information Solutions Inc.
State: IL
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:
I have almost 30 unauthorized inquiries from 7 different companies on my credit report consistently repeating from XXXX of 2021 to XXXX of 2021. I have listed the companies of the unauthorized inquiries below. 

1. XXXX XXXX 2. XXXX 3. XXXX XXXXXXXX 4. XXXX XXXX XXXX 5. XXXX 6. XXXX XXXX 7. XXXX XXXX I have attached an FTC report 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 non-monetary relief
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Affidavit completed and sent to company showing this account was not opened by me. No documentation from regional finance has shown that I took out the loan. Police report filed. Disputed with all 3 credit bureaus. Still not removed from my credit report.

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 2017-06-23
Company: Exeter Finance Corp.
State: GA
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:
XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX I have multiple inquiries from this company showing up on my credit report from the days listed below. I did not authorize these inquiries. XXXX has sent out letters on my behalf to request removal on two occasions. I am a victim of identity theft and I need these inquiries removed as it is messing up my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Banking institution responded to my notification about potential identify theft indicating that the identification I sent them ( State issued drivers license and concealed carry permit ) was insufficient. They asked for military or passport identification which I do not have. They then requested a copy of my social security card which I no longer want to share with any of these institutions. A case number from the bank has been assigned to this incident..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: EQUIFAX, INC.
State: LA
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 CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: BARCLAYS BANK DELAWARE
State: NY
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:
1. Purchase an online cruise through XXXX  XXXX on XXXX XXXX 2. This charge represented the booking fee ( {$25.00} ) and trip insurance ( {$75.00} ) 3. The cruise was cancelled due to Hurricane Dorian ( XX/XX/2019 ) 4. XXXX XXXX refunded all fees and charges 5. A XXXX rep said the booking fee was not refundable but the insurance should be 6. After no refund, opened a dispute with Barclays 7. Barclays just closed the case so I reopened 8. Barclays then states that the refund policy was agreed at purchase but I was never informed. 
9. How does XXXX retain fees when a ) the cruise was cancelled but b ) more importantly the insurance was not activated nor used as full refunds were provided by the carrier XXXX XXXX. This is fraud and a complete rip off of all consumers

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 2017-06-23
Company: Ocwen Financial Corporation
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was was looking for legal representation after firing my lawyer and they notified me of the courts decsion late and put up my house for sale XXXX/XXXX/2017 with no notice to me. I had already spent thousands on legal representation for lawyers that negotiate with their clients XXXX of defending the merits of the case. There are no lawyers that want to appeal the case without excessive charges. I was forced to file Bankruptcy to stop the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, I went into Chase Bank at XXXX XXXX XXXX, XXXX, MD. I did a wire transfer for {$25000.00} USD, the Chase representative gave me all of the confirmation that they had everything they needed. The recipients Bank, XXXX XXXX XXXXXXXX, had rejected the wire, and sent the funds back to chase bank. Chase Bank lied to me saying XXXX  XXXX XXXX is holding the money, when really Chase Bank was holding the money. Now Chase has a {$25000.00} hold on my checking account, and won't return my money and are requesting additional information, in which they do not need, and never needed in the first place. I need the hold to drop off my account, and for Chase Bank to return the money back to my account. Chase Bank has been giving me the run around since XX/XX/XXXX, and won't return the money to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 at approximately XXXX XXXX there was a fraudulent transaction to an individual presuming to be XXXX XXXX, a XXXX XXXX at phone numbers XXXX His partner in crime was a person presuming to be an attorney, XXXX XXXX at XXXX of the XXXX XXXX XXXX XXXX. The scammed {$1500.00} from my XXXX account. 

The transaction confirmation was # XXXX The payment ID was : XXXX They were using the tactic that my brother was in a motor vehicle accident and hit a pregnant women who was XXXX XXXX XXXX XXXX XXXX XXXX. The money was needed for bail. I tried contacting my sister-in-law before the transaction went through. 

The scammers asked for screen shots of the payment that I still have on my phone. 

Coincidentally, my brother just happened to call me right after the transaction was processed so I knew it was fraud. I tried to have the money recalled. I created an online fraud dispute with Citizens Bank XXXX, XXXX I have file an FBI fraud case as well, FTC Report XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
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:
I the consumer, in fact, am a victim of identity theft and pursuant to 15 USC 1681c-2 I am re-questing the block of such information resulting from such identity theft from my consumer re-port. I am fully aware that pursuant to 15 USC 1681c-2 ( c ) the consumer reporting agencies have the authority to decline or rescind requests to block information. My request was not made in er-ror nor is there any material misrepresentation by me the consumer so my request should not be declined.

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 2017-04-10
Company: MORTGAGE LENDERS OF AMERICA
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I closed on a house on XXXX XXXX, 2016 with Mortgage Lenders of America. They notified us about one month after closing that our flood insurance is not federally backed. It is privately backed, which apparently means they are unable to sell off our loan. They sent us the very first statement for our loan, and have not sent anything since. Every month I have paid using my bank 's online bill pay service, but I have no idea that it is being received, or how it is being credited to the account ( I have been paying extra each month ). I understand that they are in the business of closing loans to sell them, but this is an error on their part. There was a delay in closing specifically regarding the need to purchase flood insurance, and what we purchased was cleared by Mortgage Lenders of America for closing. This seems to be in direct violation of the Periodic Statement Rule. I sent an email to our loan officer, XXXX, requesting a monthly mortgage statement to confirm payments and proper allocation of additional funds to principal. This was the response that I received from him : " I told you that we do not have the capacity to service your loan. And is why we needed the FEMA certified flood insurance. To get this sold to the investor to take care of you. I have no idea but will send this on to see if we have been getting them. If you could please provide us with FEMA certified flood insurance we can get this sold and you will get all the payment coupons and a place to pay online and all the things most people have with their mortgage company. 

Thank you, XXXX, NMLS # XXXX Senior Mortgage Loan Officer Mortgage Lenders of America '' As consumers, we did everything they requested of us in order to purchase our home and I feel we have a right to receive mortgage statements and/or payment coupons, and also, basic customer service from the company that holds our mortgage.

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 2022-09-06
Company: BSI Financial Holdings, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had 5 loans with a company, all 5 were purchased in XXXX by another company. 
One new loan I have access to online and am able to pay this one loan only. 
The other 4 I have not paid. I have sent numerous emails to cutomer care asking to add the other 4 loans to my account. I have spoke with a live person, I have sent emails several times within by login account. I have sent them ACH forms for the 4 loans, After all of this I have gotten no response from them. I have not been able to pay XXXX, XXXX & XXXX payments. 
I have sent emails to BSI Financial on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX. I haven't kept track of the phone contact or the emails I've sent withing my BSI login.

Company response to consumer: Closed with explanation