BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-14
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/2022 to remove these items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint # & I am including it again., XXXX XXXXXXXX .... Balance : {$620.00} ; XXXX XXXX XXXX .... Balance : {$670.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXXXXXX XXXX XXXX XXXX .... Balance : XXXX XXXX XXXX DC XXXX .... Balance : {$0.00} ; XXXX  XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX .... Balance : {$1100.00} ; XXXX XXXX XXXX XXXXXXXX .... Balance : {$18.00} ; XXXX XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$140.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXXXXXX .... Balance : {$1700.00} ; XXXX XXXX  XXXX XXXX XXXX 
Balance : {$820.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00}

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 explanation
Consumer complaint received 2021-03-12
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Hi, I am writing this email regarding a court case that was defaulted against me. I am a combat veteran who has been in 5 combat deployments and was blown up and shot. I suffered significant and life long disabilities. I have undergone over XXXX surgeries. I am honorably discharged and seek medical through the VA. 
In XX/XX/2017, I suffered a XXXX XXXX XXXX and lost all XXXX in my XXXX. I couldnt make the drive over an hour to XXXX  XXXX, VA. I called the VA to get approval to go to the emergency room at XXXX XXXX. I have the approval letter from the VA. After the approval letter, it says that the payment is agreed upon between the VA and XXXX XXXX . XXXX XXXX took partial payment for the doctor and rejected the payment for the emergency room. 
A couple years later, I received a summons from the California Business Bureau to go to court and they placed a lien on my house. After I was served I was told after contacting an attorney that I only had 30 days to dispute the case. I am on XXXX on low income and didnt have a way to hire an attorney to represent me. I then find out that the court made a judgement against me to pay the amount and the attorney. 
This is absolutely disgusting that business are doing this to XXXX veterans and I could only imagine how many veterans they are doing this to especially through injuries and approvals. 
If theres any assistance to help veterans or how to deal with this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$28000.00}

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
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 An 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My rent for {$1000.00} shows as deposited on XX/XX/2021. The check was mailed via USPS on XX/XX/2021. My landlord contacted me on XX/XX/2021 to inform me that the rent had not been received. I sent my landlord the information available via Chase 's website showing my account being debited {$1000.00} and the scan of the front and back XXXX endorsement side ) and my landlord informed me that the endorsements do not match how they endorse their checks. I did a further investigation of past rent checks and the endorsement doesn't match any of my previous rent checks as my landlord claimed. I contacted Chase Bank 's check forgery department on XX/XX/2021. They did a brief investigation while I was on the phone and told me that it appeared to most likely to be fraud and that the check had been deposited into another Chase account. However, they would need to do an investigation that could " take up to 30 days '' before they could restore the funds to my account. I feel like this up to 30 day waiting period for the funds to be restored is excessive. If I were to make a fraud claim for my credit or debit cards, the funds are pretty much refunded instantaneously while the bank pursues further investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-16
Company: WELLS FARGO & COMPANY
State: NC
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:
On Thursday XX/XX/XXXX, someone got a hold of my debit card number and pin number. They wrote my debit card to a XXXX XXXX device and went into a Wells Fargo Branch. They used the tap function of the debit reader at the teller, and input my pin number. They then withdrew XXXX dollars, and purchased a bank check for XXXX dollars. After XXXX business days, Wells Fargo credited by my XXXX dollar fraud claim, but denied the XXXX dollar fraudulent check claim. Someone who was not me got my money from the company that is supposed to keep it secure, and at no point was their identity properly verified or the transaction seen as strange.

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 2021-03-12
Company: Experian Information Solutions Inc.
State: MO
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 Filed numerous FTC to try to resolve the issues related to unconfirmed accounts on 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 2021-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 Filed numerous FTC to try to resolve the issues related to unconfirmed accounts on 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 2021-08-31
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX Caine and XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX  XXXX XXXX Delivered Via Regular Mail and Email : XXXX Account # XXXX Caine and XXXX, Has made 2 claims for monies not owed to XXXX XXXX. In each instance my request for verification of the amounts owed and written agreement between XXXX XXXX and Caine and XXXX  has gone unaddressed. These actions have had adverse impact to my credit score three times. 

The dispute was delivered via email and mail for communications delivered, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Enclosed are Copies of each communication ) As of XX/XX/, I have another communication from your office regarding and event and cost I am not aware of instructing XXXX XXXX to perform on my behalf. I have removed XXXX XXXX as the Agent with XXXX XXXX ( Please do the research ). The amount of XXXX with the XXXX XXXX Account Number XXXX and C & W Account Number XXXX is simply a matter of C & W being XXXX for being handled regarding the abovementioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Affirm Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/XXXX  Became endentured to Affirm by XXXX  - over {$5000.00} and over {$200.00} on my XXXX - XXXX XXXX XXXX XXXX of XXXX gave a promse of a complete refund upon request. I did so XX/XX/XXXX  and multiple times since. Each time I was told refund was being processed and will be in my account in days. This was also given in text form. This was weeks ago and still no response. When I inquired of Afffirm they said the merchant is XXXX. When inquiring of XXXX they say they had nothing to do with this transaction. Asked XXXX  of the nature of their relationship with XXXX XXXX and XXXX of XXXX and how they can be listed as the merchant ( recepient of funds ) on the loan from Affirm. Asked also if they profited in any way from my becoming endentured to Affirm and if they endorsed XXXX  to represent XXXX as the recepeint of the funds to Affirm. I also asked Affirm if this has been done before- the merchant being listed as the recepient denying being involved. All the parties involved XXXX ( XXXX XXXX, XXXX ) XXXX and Affirm are slow in their response if at all. They also fail to answer questions asked of them. The evasiveness and delayed repsonse seems to imply a level familiarity if not collusion. Asking XXXX  and Affirm if there is any info they can give me regarding XXXX so as to send them notice by mail as well. Asked Affirm to examine the tracking number and see if addiional information could be acquired so as to follow up with XXXX. Was told there business was in Florida - I was unable to identify a business with this name currently registered in Florida

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX, and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$19000.00}

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
Consumer complaint received 2023-08-10
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chase tellers failed to recognize the fake ID and gave away {$11000.00} of my money from my checking account, which I need to use now and can not access due to their error. I submitted a claim with the JP Morgan Chase claim department on XX/XX/XXXX  and still did not receive my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-29
Company: MOHELA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
PSLF : I work for XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and it is listed as undetermined, which is impacting the status of my PSLF. I have uploaded supporting documents and completed the application to have my employer approved ( many times ). My employer is still listed as undetermined which is directly impacting the amount of payments I have left for the PSLF. I have waited on hold for 3 hours at a time to try to get this resolved. From last year until present day, I have never received any update on this. I just recently received a letter stating that I have to complete a full application for a review to of employement to be completed. I can not complete any other applications as it will not let me move on without the eligiblity of my employer. My 2 former employers have signed and completed it. I also tracked my activity and it states that one of the PSLF applications is a duplicate form and one was processed, even though they are 2 different employers. The one on XX/XX/23 was processed form the XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX is listed as a duplicate form on XX/XX/23. I was then changed to a payment plan that was not eligible undeer PSLF. I spent hours on the phone and to get this resolved and put it into forebearanace until this was resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I need the Consumer protection board to intervene with Citibank. 

On XX/XX/XXXX, Citibank clawed back funds from my checking account for a check I deposited In XXXX of XXXX for the amount of {$2000.00}. Citibank also identified 3 more checks of {$2000.00} that were deposited last year they now consider suspect. They plan to return these additional checks to the drawer as soon as my account is funded. The bank did not supply me any explanation as to why they are returning the funds to the drawer after 5 months or why the checks are suspect. 

Because Citibank is debiting my account these large amounts, My ACCOUNT IS NOW OVERDRAWN AND MY MONTHLY BILLS ARE NOT GETTING PAID. 
Citibank is taking XXXX of XXXX from my account and refusing to explain why. 
For several weeks I have been contacting Citibank in order for them to verify why these checks were returned. I have spoken to Citibank customer service. I have spoken to supervisors in customer service. During this time, I have been told repeatedly that an explanation for why the checks were returned would be forthcoming. This has not happened. Despite being promised that an e-mail explaining why these checks are being returned would be sent to me, no e-mail has been received and no explanation for the checks being returned has been supplied. I need a document to provide to my attorneys, explaining why Citibank started returning these deposits that were made and credited to my account 5 months ago. 
I received 2 vague documents from Citibank with check images and a separate letter stating check # was inadvertently deposited on XX/XX/XXXX. There is no explanation of what inadvertently deposited means. Furthermore, the checks were not in inadvertently deposited they were deposited at the instruction of a branch manager in XXXX XXXX, NJ. 
Citibank has now stated that a number of other checks were inadvertently deposited. There is no explanation for what inadvertently deposited means and it appears they intend to take {$10000.00} from my account with no clear explanation as to why. 
The explanation and documentation I need that describes why my bank account was debited has not been forthcoming although it was promised several times. I am entitled by law to an explanation from them and was promised has been stonewalled by Citibank. 
Instead of providing me the document I have been demanding daily and for last 2 weeks, Citibank is now calling me to collect more funds and return them to the drawer.

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 2023-06-14
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 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 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 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 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 non-monetary relief
Consumer complaint received 2021-03-12
Company: Shellpoint Partners, LLC
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: Account status incorrect

Complaint:
My name is XXXX XXXX and I am hoping that you can help me clear up an incredible mistake that is appearing on my credit profile. Unfortunately, Shellpoint Mortgage Services is reporting a 1x30 day late payment to the credit agencies for XX/XX/2020. This faux pas is the result of my mortgage being transferred from one company XXXX XXXX Mortgage to the next Shellpoint Mortgage. 

I received a letter on XX/XX/2020 with a letter that was dated on XX/XX/2020, stating that my loan with XXXX XXXX was final as of XX/XX/2020 and any new payments need to be made to Shellpoint. Shellpoint Mortgage sent this letter way too late and I already had my payments set up with XXXX XXXX. This letter should have been sent BEFORE my XXXX payment was due. They sent this well after, which is was caused this late remark. To make matters worse, Shellpoint Mortgage is violating the Real Estate Settlement Procedures Act ( RESPA was supposed to be given at least 90 days regarding payments due to the transferring of mortgage holders before late payment information could be reported to my credit profile. Therefore, Shellpoint Mortgage is in clear violation of these Acts. 

I am reporting this to the CFPB because this company did not follow the correct procedures to make sure that all payments were received on time when this was transferred. They sent out a letter on XX/XX/2020 that my XXXX payment was to go to their company. A letter that I did not receive until AFTER the XXXX payment was already due. They have also violated RESPA and all of this is a clear bank error and this needs to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: PENNYMAC LOAN SERVICES, LLC.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was working with Penny Mac to refinance my current mortgage that currently sits with Penny Mac on XX/XX/2020. I called Penny Mac on XX/XX/XXXX or XXXX to see where I was in the process and they said they were still underwritting the loan before I could close. I told them I was going out of town on XX/XX/XXXX. They said we likely wouldn't be able to close before then. I asked if it would be okay to close when I get back on XX/XX/XXXX and they said that would be no problem. I asked if the lock on the mortgage rate would expire and they said that wouldn't be an issue. I got a voicemail on the XXXX while I was traveling saying that the rate was going to expire and we needed to schedule closing. I was traveling so I wasn't able to call them back till I was back on the XXXX. Since then, I've left them voicemails and emailed them and haven't heard back at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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:
This Information is Incorrect XXXX XXXX XXXX XXXX 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