BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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

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 2022-03-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. Everything has to be 100 % accurate on my credit report. 

RE : XXXXD FUNDING 3XXXX The credit bureaus stated my account was properly investigated and accurate, however that is not possible because there are still inaccuracies remaining on my credit report. 
open / collection account Attached is a copy of my report with the inaccuracies circled in red. 


In accordance with the Fair Credit Reporting act XXXXt 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-10-08
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit 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:
Please see attached. 
I reserved a trip but had to make a change. Instead of changing for me they cancelled and charged me almost XXXX in fees. I called the companies direct and reinstated the reservations but the company is charging me cancellation fees they say are going to the hotel. The hotel honored the reservation and did not collect any fees or cancellation from the company at all. If this is allowed to happen then the internet travel company can make thousands of dollars by doing nothing and ruining peoples trips. I honored the reservation, went on the trip, paid the hotel and did NOT cancel. They did because they use overseas english as a second language sales support. They cancel my trip by accident / confusion, and I pay an additional XXXX??? and have to start all over again? ( I used XXXX XXXX Packages which subs to XXXX ) who is operated in XXXX and has no US based support and does not answer the phone, cant get same people, give you no case number and already agreed to refund but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a check to Carrington Mortgage in XX/XX/2020 in the amount of {$360.00} ( ck # XXXX ) satisfying my XXXX payment. 

Next, I got a letter from Carrington Mortgage saying my account was in Foreclosure and demanded {$810.00} dollars for the account to be current. 

I promptly sent {$810.00} dollars with check # XXXX. Both Check # XXXX ( {$360.00} ) and Check # XXXX ( {$810.00} ) have cleared my bank. This puts me paying a total of {$1100.00} to pay a bill that was really only {$360.00}. 

However, the 3 credit bureaus have contacted me saying that my credit score has been lowered due to a report by Carrington Mortgage. 

I suspect the heart of the controversy and damage to me begins with the Carrington Mortgage Payment Processing Center. Perhaps the scheduled 2020 change in payment amounts due to the escrow shortage made the Payment processing center place my XXXX payment on some sort of hold? Has Carrington had some staffing problems with the Arizona processing site? 

Please investigate this matter and treat me fairly. As stated above I have paid a total {$1100.00} on a mere {$360.00} due but because of Carringtons actions, I now have a lowered credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX XXXX is fraudulent. I've never attended college. I have tried to resolve this multiple times but XXXX XXXX XXXX will not help me. They have intentionally destroyed my credit.

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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed account from my credit report as well as update the account from my report during the investigation period. As of this date, they have failed to respond to my request. 
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 2022-03-29
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Credit Management has reported incorrect balances to credit bureaus and updated the tradeline with {$1.00} changes in order to keep the collection new and cause maximum damage to credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: I.C. System, 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: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  TX ) XXXX ... I C SYSTEM ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the XXXX bureaus. How can XXXX account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2023-10-09
Company: Maximus Education, LLC dba Aidvantage
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have attempted to change my repayment schedule on my federal student loans thru Aidvantage several times. On the Aidvantage website, it says if you would like to exit SAVE repayment type and change to a new repayment schedule ( which is what I would like to do ), then you need to contact Aidvantage directly. I have sent Aidvantage two emails using the email provided prompt on their website stating the change I would like to make. My first email was sent on XX/XX/23 and I received an automatic reply stating that it was received and Id receive a response in two days. I never received a response. I sent a second email outlining the same request on XXXX, received an automatic response that my email was received and still have not seen a response. 
My first payment is due tomorrow under XXXX XXXX and I will NOT be paying it as Ive requested to change plans several times now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I applied and was approved and supplied with an XXXX XXXX XXXX XXXX card supplied through chase. I later opened up a seperate checking account with chase to take advantage of their XXXX dollar offer when adding direct deposit. A few days after opening the checking account, i was called by a chase number ( one that can easily be spoofed ) asking for personal information to " get rid of fraud ''. I was suspect and did not want to give personal information to an easily spoofed call that I was not expecting and hung up the phone thinking that it was a scam caller. I later checked the chase app and found that my online account was suspended due to potential fraud. After contacting chase for hours, I was told that my checking account would be closed within the next 10 days. I asked if my credit card was still open, and I got the response that it was. I continued using my credit card but soon realized that I could not get on the online account on the app to make payments. While I already set up auto payments, I can not check if that is still on/still working after chase suspended my account. I contacted chase to see if the payments would still work and how I could get access to my online account to make payments. They never answered me and kept transferring me. It is now near the end of the month, and while I have the ability to pay my bill, I can not. It is likely chase will try to charge me interest while also locking me out of my online account so I can not pay the bill before they charge me interest. The closing of the account also means I can not get the XXXX dollar bonus promised even if I open another account, which they were trying to pressure me into doing. Locking someone out of paying their bill and then charging them interest is probably illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2020 I was victim of identity theft with my car being vandalized by unknown individuals who broke the passenger 's seat window ( the one at the back of driver 's seat ) and stole my wallet and other valuable items ( including a XXXX XXXX ). The incident happened at the parking lot of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, WA XXXX US ) when I was on duty inside the XXXX 's facility between the time I parked the car XXXXXXXX XXXX and my break time XXXX ' XXXX  when I came out of the building. The stollen wallet had everything about me in it ( driver 's licence, XXXX XXXX, SSN card, credit/debit cards, some bank accounts membership card as well as other information XXXX medical insurance card, etc. ). 

While filling out a police incident report with XXXX 's management staff, a couple of hours following the incident, they thieves started making both online and in-store purchases using mostly credit cards. They went up to compromise two of my bank accounts I do have, the one with the Bank of America ( personal account ) and the joint account with XXXX XXXX. They initiated fraudulent funds depots into my Bank of America account and a wired money transfert to my XXXX XXXX joint account ( fortunately this transaction failed ) as XXXX XXXX was able to block it. 

However, as per the attachments the fraudulent depots did into my Bank Of America personal account went through, the bank delayed to stop them in timely manner. This caused my account to run into a negative balance of about - {$3500.00} that the bank want me pay until now while I was supposed to have nearly $ XXXX if the fraudulent depots did not occur. 

Actually, while closing the affected account the bank allowed me to open up a new account but it has not refunded what was supposed to reflect into the old account ( $ XXXX ) prior the fraudulent depots of {$8700.00} ( see attachments ). Their investigations are just taking a too long!!! I have already explained them multiple times that I was not responsible of what happened, that scammers are behind those inconveniences. 

Therefore, I urge the Bank of America to acknowledge my right and refund me my money as well as remove any accountability on me from everything did by the scammers/thieves. I currently struggle from identity recovery so I don't wish to run into additional pressure.

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 2023-09-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2023-10-10
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I paid for XXXX student loan payment in XXXX. I set up autopay and when I did this, they said it wouldn't apply until XXXX, so I paid early. When I paid, I received confirmation that my next payment was due XXXX. They just took another payment out and overdrafted my account, and there is no way to get in contact with them. They do not answer their customer service line. People state online that it happened to them too, and it can take months to receive the refund. I feel helpless to do anything about this & it's criminal!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
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: Information belongs to someone else

Complaint:
This is XXXX XXXX and I am submitting this CFPB Complaint to you today to inform you I was the victim of identity theft. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt. Please provide me with a written response to this dispute and let me know the results of your investigation.

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 2018-04-09
Company: RoundPoint Mortgage Servicing LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After receiving a letter from my Insurance Agent ( XXXX XXXX, XXXX, NJ XXXX, Phone : XXXX ) warning me of the imminent cancellation of my flood insurance policy due to NON-PAYMENT BY ROUNDPOINT, I called Roundpoint Mortgage Servicing Corporations customer service on XX/XX/XXXX at XXXX to inquire as to WHY my flood insurance policy had not been renewed and was told by Roundpoint 's customer service representative that it would be renewed right away. 

Apparently, nothing was done because several days later I received a letter from Roundpoint telling me my flood insurance had lapsed and they were going to bill me {$2300.00} for THEIR flood insurance coverage. They also erroneously stated my home was in " Special Flood Insurance Hazard Area '' which it is not. I have had Flood Insurance through National Flood Insurance Program and FEMA since 2013 - and XXXX XXXX is the issuing Insurance Agent that is payed the premium. 

So, despite the fact that Roundpoint collected Flood Insurance escrows from me, I was forced to renew and pay for this coverage myself out-of-pocket, ( amount of {$450.00} ) due to Roundpoints failure to renew this coverage in a timely manner. 

I expect Roundpoint Mortage Servicing Corporation to contact ME to rectify any issues with respect to any escrow imbalances or shortfalls that may have occurred due to their failure to renew my flood insurance policy, and/or issue my a refund of my flood insurance escrows that they are holding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I reached out with a demand to comply letter to TransUnion to express my frustrations that it has been well over 30 days ( 60 days at the time of the letter ). It's been over 90 plus days until this day that I haven't heard nor seen any information regarding the fraudulent inquiries on my credit report. I'm now asking you to hold them responsible and liable, according to Section 611 ( a ). Thank you.

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