BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I sent certified mail to transunion requesting them to respond to my METHOD OF VERIFICATION FORM. I will attach a copy of the method of verification form. Transunion did not verify any of the accounts I have disputed but sent me results saying either they " UPDATED, NEW INFORMATION '' well if there is new information who did you verbally talk to too get this new information? No documentation was mailed to me explaining who transunion contacted. XXXX is not the form of verification that I requested by law transunion has to honor my method of verification request and they have not done so. This is a copy of what the results look like : Investigation Results Current File File Number XXXX Report Date XXXX/XXXX/2016 Dispute Open Date XXXX/XXXX/2016 Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, OH XXXX Completion Date XXXX/XXXX/2016 Account information ITEM DESCRIPTION RESULTS XXXX # XXXX NEW INFORMATION XXXX # XXXX NEW INFORMATION XXXX # XXXX DELETED XXXX # XXXX NEW INFORMATION XXXX # XXXX NEW INFORMATION XXXX # XXXX NEW INFORMATION XXXX XXXX XXXX # XXXX NEW INFORMATION XXXX XXXX XXXX XXXX # XXXX NEW INFORMATION XXXX XXXX XXXX XXXX # XXXX NEW INFORMATION XXXX # XXXX XXXX INFORMATION XXXX XXXX # XXXX DELETED XXXX XXXX # XXXX NEW INFORMATION XXXX # XXXX NEW INFORMATION XXXX XXXX # XXXX NEW INFORMATION XXXX # XXXX NEW INFORMATION XXXX XXXX XXXX XXXX XXXX NEW INFORMATION When you see the method of verification form you will see why I am filing this last complaint before seeking legal action. This is my LAST attempt to resolve these issues. XXXX now do not even return calls so I know they was n't verified. XXXX and XXXX sent me fraud forms to fill out which I sent back already. XXXX and XXXX have not provided me with documentation with my signature on there as well so how is it that transunion have all this new information?????? I have contacted an attorney who is on standby until this last attempt is done. method of verification per FCRA Section 611 ( a ) ( 7 ) is what I requested.

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 2017-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
XXXX is not allowing me access to my once a year free credit score that XXXX passed a law in XXXX stating that we are allowed XXXX free credit report and score each year by law. XXXX nor Transunion, nor XXXX are allowing this to occur. I guess paying XXXX dollars in fines has not even phased them whatsoever. Why is it the that nobody is doing anything about this behavior. Why do they continuously get away with ripping off the XXXX people that built this country and free Democracy. Enough is enough with this behavior. Somebody needs to stand up and actually do something about it once and for all. I 'm getting tired of people turning their backs on the XXXX people do the right thing and make a change.

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 2015-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I tried to dispute several credit inquiries with the XXXX major credit bureaus. They informed me I must contact the source of the inquire to dispute. I sent a certified letter to each creditor at they address they chose to list on their inquire. I explained I do not recall applying for credit at their place of business, I explained however if they found I was in remiss to send any and all supporting documents to me so I could review. I did not receive a response from XXXX of the creditors listed. I provided all credit bureaus with a copy of the letter I sent to the creditors and the page showing they signed for said letter, which reflected their thirty days had transpired to respond. The credit agencies are still refusing to delete, I did everything I am required to do by law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I requested a investigation into a falsely reporting tradeline with equifax , they received the request XXXX XXXX, as of today its been 37 days with no response from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Shows i had a bankruptcy in the remarks section and this is false never had bankruptcy, just check my personal info. XXXX refuses to remove this and says they did n't report it.

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 2015-04-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax has allowed XXXX XXXX to continue to report on my credit report even after I have disputed this account. Neither Equifax nor XXXX have provided me adequate information to validate or verify this account. Therefore I want it deleted from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/20 at XXXX CT I received a text message from an unknown number stating it was a Fraud Alert for a suspicious charge on my Chase Sapphire Preferred Card. Since this alert came from a different number than the rest of my Chase Credit Card Alerts, I attempted to call customer service using the number on the back of my card to verify the legitimacy of this alert. However, every time I attempted to call, it would auto-route me to your fraud department, which was closed, and would not allow me the opportunity to connect to an actual person to confirm. I ended up replying to the text message stating that this wasn't me and I received an auto-response stating that my card was closed and I'd receive a new one. No additional information was provided and I still couldn't get through to anyone at Chase to tell me the timing of receiving a new card or what I should do for any pending transactions. I appreciate the proactive approach of detecting suspicious activity and understand that the fraud department temporarily reduced their hours because of COVID, however, it is extremely unfair, deceptive, and abusive to shut a card off and  provide no additional information or alternative, especially since no where on the website is it stated that they're operating on reduced hours and no additional information can be found anywhere. What if I was traveling abroad and the card would be shut off? I'd be stranded with no one to talk to and no way for paying for my travel accommodations. But apparently Chase doesn't care about that. If you're going to shut down the Fraud Department at XXXX ET, you need to provide an alternative solution for individuals who rely on their card. I had to call back numerous times and type in random numbers to bypass the automated system and get connected to a representative, who couldn't answer any of my questions since my account was blocked due to the suspected fraud activity. THIS IS UNACCEPTABLE. The poor response and horrible execution on this process has potentially lost Chase a customer, as I'm going to explore different credit cards, especially ones that care about their customers and don't conduct business in potentially illegal manners that violate consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company, National Credit Adjusters, contacted me a little over 2 yrs ago reporting that legal action would be taken on me if I did n't settle a debt from XXXX. They cited my address, social security number and email address, but they did not have all the correct information and I would not verify a single thing for them. 

I have never heard of XXXX and have never taken a payday loan out in my life. I reported NCA at that time, but never heard anything of it and they stopped calling me as I was threatening that I had already reported them and would continue to do so. 

Now, I just received another letter from them, 2 yrs later, stating the same debt and ways I can take care of it ( attached ). They are a scam. I asked every person I spoke with for their name and would search for them online. When I did n't find them, I 'd call them out and ask them to tell me one social or professional profile of theirs I could look up to verify they were who they say they are ... of course, not one of them had anything to tell me. 

I let them know I very familiar with my credit report and would continue reporting them as fraud if they continued to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX is listed on each of my reports as a collection/chargeoff. I immediately disputed thisinformation with XXXX, XXXX and TransUnion and the results of the investigation came back as " verified ''. I did not have an account with XXXX XXXX during this time period. XXXX XXXX did not respond to demand letter FCRA 623 ( b ) for violations of the FCRA and did not remove the adverse account from my 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 non-monetary relief
Consumer complaint received 2015-12-18
Company: Coastline Financial Resources, LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
This debt collector is harassing me at my place of employment. They asked for the owner and told them that they needed to know what the protocol is to serve one of their employees with court papers. They told my boss that it was an emergency that I called back within the hour, saying it was a legal matter. I was pulled away from a client at work to call these people back. I called them, and they would not explain to me who they were and what the matter was shot and kept putting me on hold. I finally got upset and told them that I stepped away from a client and they need to tell me what they want from me and who they are. The last told me to go back to my client then and call later. I said NO, I 'm on the phone now, now tell me what you want? Then she said " I 'll tell you what I want '' and hung up on me. My boss called them back to see what was going on and they preceded to tell her that they needed to talk to me. I got on the phone and they claimed I owed a debt from a credit card that was opened from XXXX. I told them it 's not mine and they kept insisting it WAS and that I was going you be sued and my papers ares on their lawyers desk.. I told them I 'll get to the bottom of it and check my credit report to see if It was some mistake. I hung up with them, then they called my cell phone the next day leaving me a voice message that if I do n't take care of this matter today, that they will be taking further action. This is a scam I believe and I 'm sure the statue of limitations had also been passed. They were very nasty on the phone.

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 2015-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The I.R.S. placed a Federal Tax Lien on my person credit report and I paid the balance in Full on XXXX XXXX, 2014. I want this removed ASAP this is hurting my credit score

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: EQUIFAX, INC.
State: TN
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 XXXX. I previously provided legal documents to each of the three credit bureaus attesting and verifying this fact. XXXX XXXX XXXX. Again, I attach verifying documents as requested by XXXX, XXXX XXXX, and Equifax. I do not believe the errors in my credit report by mistake. My last name is not, XXXX, but there it is listed in my personal information. I demand strict proof that my name was reported as such, contrary to the CBI position. I have been told the credit bureaus can not honor my prior complaint/request or portion of it based on a limited amount of information. Yet these are the very same credit bureaus who have previously stated they conducted a thorough investigation of my complaints, so which is it? Each of the credit bureaus states their role in the dispute process is to review the accuracy and completeness of any disputed item to which I demand strict proof of their review, accuracy, and completeness. XXXX continues to falsely report past due payments on accounts that have been closed, written off, discharged and forgiven. I demand strict proof of their original investigation into the underlying fraud associated with the use of the XXXX cards. XXXX XXXX  continues to report two late payments on my car payment to which I demand strict proof of these delays, lapses or delinquencies. Equifax claims they are unable to locate a credit file for one of the following reasons. If this is the case how is it that Equifax is reporting credit inquiries on my credit report, continues to fraudulently report the XXXX, XXXX XXXX fraudulent reporting and more. Further, why is Equifax XXXX sending a response to my complaint when the Equifax office in XXXX Georgia has traditionally responded? XXXX XXXX continues to fraudulently report a chapter XXXX bankruptcy that was dismissed without discharge in violation of the law. How is it that CFPB can not get their enforcement act together and appropriately address these matters? I guess corruption pays the better.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Caliber Home  Loans will not pay our property taxes. They were due  XXXX   XXXX , the taxes were n't paid. Then we got another bill for another due date of  XXXX   XXXX  with a fee tacked on. They still wont pay it. I have called and emailed. Nothing. The said they will send the money in  10  business days, but they did n't. Then they said they will send it in 5 business days.  Caliber Home Loans i s a joke. I would n't get a loan through them. As soon as we have money to refinance and get away from the company, we will.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-22
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card
Issue: APR or interest rate

Complaint:
The company applied a large interest charge to my account and since that charge has been charging interest on top of the charge. I have tried three times to resolve this issue. Each time I have spoken with the company, they have sent me letters and said they have provided documentation that I agreed to the terms. They have not sent any documentation. I wish to settle this charge with penalties to me as they do not have any documentation that I agreed to the terms and are being dishonest. The last call I had with the client the woman boldly lied to me and said she was looking at the agreement I signed. I never signed an agreement, she then said she would send it, they sent nothing but letters that said there were enclosures and there were not. I called back multiple times and no one will call me back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
According to the previous mortgage statement the PMI has deceased but Wells Fargo informed me with an incease monthly payment. Wells Fargo reported to the credit bureau inaccurate information regarding the mortgage account. According to Wells Fargo customer services representive and credit bureau money schedule to be paid at the end of the mortgage. Additional information for the case I previous filed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was appointed the financial POA for my Uncle, XXXX XXXX. In XXXX XXXX he entered assisted living. In XX/XX/XXXX, I notified Wells Fargo Home Mortgage he could no longer make mortgage payments, and I put the house up for sale. The office of the President of Wells Fargo Home Mortgage, XXXX XXXX ( XXXX ) contacted me and I discussed the situation. I contacted him back in XX/XX/XXXX letting XXXX know that the house was under contract. I closed on the home XXXX XXXX, XXXX. I have been requesting since that time the small portion of {$200.00} that my uncle had left in escrow. I have called and emailed XXXX and Wells Fargo Home Financial numerous times. All I am doing is trying to help my XXXX Vet Uncle get the funds to help with his medical bills. Please help me! 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I resubmitted my application on XXXX XXXX, 2015 to have my loan reviewed for a modification. I have been trying to reach my assigned representative XXXX XXXX and have not been able to reach her. I received a letter on XXXX XXXX, stating my request was closed due to missing document. Until then, I had not been advised that there were documents needed to complete my request. I would of sent them in had I just been informed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Somebody cashed a fake check with a fake signature ( which the bank did not catch ), emptying my account and now Wells Fargo refuses to refund the amount stolen.

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