BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-15
Company: Torriere Holdings INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/XXXX @ XXXX call from # XXXX I did not answer. XX/XX/2023 a XXXX XXXX @ XXXX called me on my cell phone from a # XXXX @ XXXX. She was the one who told me about their company she works for SRS is trying to collect a DEBT. And she told me what the debt was about. 
Then below is the email she was telling me about they sent on XX/XX/2023. And I have attached the email they sent to me on XX/XX/2023 regarding that phone call, when she called me I DID NOT call their office. 

XXXX XXXX, 2023 received email from Spire Recovery Solutions Reference Number : XXXX Dear, XXXX This is a follow up attempt notifying you of your account that we're servicing. 

We'd love to help you get your XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX account resolved! 

You can log on the Customer Portal and setup a payment arrangement online. 

If the arrangement is not within your means, we'd be more than happy to work with you. 

Give us a call at XXXX. 

Don't feel like talking, text us at XXXX. 

Or chat with us on our website XXXX XXXX Please use the above reference number when contacting us or when logging into our Customer Portal. 

Sign in to read your new secure message Here 's what it's about Your new account statement is available. 

We encourage you to sign in to read your secure message because it contains specific information about your account. You may also contact our office at XXXX or chat with us on our website. 

View your secure message in two ways From the Spire Recovery Solutions Mobile app, go to an account and choose " Account Documents '' At Spire Recovery, just sign in to your account, click on your account and select " Account Documents ''. 
Don't have an account? Sign up today via our Customer Portal ABOUT THIS MESSAGE This service email gives you updates and information about your XXXX XXXX XXXX account. 

To protect your personal information, please don't reply to this email. Instead, use the mobile app or sign in to our online Customer Portal and complete a Contact Us form.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: EQUIFAX, INC.
State: MD
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:
I have reviewed a copy of my credit report and I show company XXXX & XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Experian Information Solutions Inc.
State: AR
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:
I ACQUIRED MY CREDIT REPORT AND ASKED THE CREDIT BUREAUS TO CHECK AND MAKE SURE EVERYTHING WAS COMPLETE AND ACCURATE ACCORDING TO 15 USC 1681i I WAITED 30DAYS AND I HAVENT RECEIVED NOTHING BACK MY TRACKING NUMBER IS XXXX AND ONE MORE THING, THEY DIDNT EVEN RECORD THE CURRENT STATUS OF THE DISPUTED INFORMATION. 
EXPERIAN, AND XXXX AND XXXX IS HOLDING ME BACK FROM BUYING. NEW HOME AND CAR DURING THIS HARD TIME IN THE WORLD. I AM STRUGGLING AND TIRED OF PAYING HIGH RENT. 
THE CREDIT Bureau IS NOT DOING THEIR JOB ACCORDING TO THE LAW

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 2022-09-28
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/26 received email from Chime that my account was terminated. 

My savings account has over XXXX XXXX I emailed 3 times to the support email offered and XXXX response. 

I used another persons chime XXXX  to access contact chat as I cant access my account anymore, in order to actually speak with a person. 

The person was rude and unhelpful. He could not tell me why the account was closed. He told me the best he could do was expedite an email. So I resent an email and he said he expedited this was 8-9 hours ago and still no response. 

He also told me my money would be returned after 30 days. When questioned if it was safe to send a check that large he got snippy and said maam, youll get your money I also inquired about what they do to protect that large amount traveling through mail and again, got no answer. 

I have reached out to XXXX as well. 

I just want my account unlocked so I can transfer my money to a safe account. 

I feel like Chime is committing fraud and I would like the company to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is inaccurate information on my consumer report, the collection by XXXX XXXX been charged off according to the IRS amounts over {$600.00} have to be filed as income with a 1099c, income doesn't get reported on a consumer report, how is this being reported as a debt? please delete this off my report as well as the balance is inaccurate, account has been reported 120 days late twice this is inaccurate according to 15 U.S. Code 1681e ( b ) accuracy of report ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. IF NOW THE STATUS HAS CHANGED WHAT YOU ARE REPORTING IS INACCURATE HOW ARE YOU MAINTAINING MAXIMUM ACCURACY WITH A INCORRECT ITEM PLEASE DELETE 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 explanation
Consumer complaint received 2021-11-11
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: TX
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 writing to lodge a formal complaint and request the immediate removal of several fraudulent items that have been erroneously included on my credit report. These fraudulent items are causing severe harm to my creditworthiness and financial standing. The fraudulent items in question are : 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 

I have taken immediate action to address these fraudulent items, including reporting the issue to the respective creditors, disputing the items with the credit bureaus, and filing a police report. I have also initiated a fraud alert to protect my credit file from further unauthorized activities. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I insist that you promptly investigate and rectify these fraudulent items on my credit report. Under the FCRA, you are required to investigate and resolve disputes within 30 days. Therefore, I expect swift action to remove these fraudulent items from my credit report. 

I also request that you notify the creditors associated with these fraudulent items, informing them of the fraudulent nature of the accounts and requesting their immediate removal from their records. Additionally, please take the necessary steps to prevent any further fraudulent information from being added to 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 non-monetary relief
Consumer complaint received 2023-09-27
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I tried to change my payment plan to standard repayment via the nelnet website. There isn't actually a way to do it. So I reached out via their contact form and provided all the needed information. They said they would reply in 5-7 business days, but that was over 1 month ago. 

So instead I tried calling- the automated call options could not find my account and would sit me on hold over and over again for 30 minutes to hours and then disconnect. I have no way of contacting the servicer to change my plan to a standard repayment. It's a very simple request and I don't understand how it's impossible to manage my loan in any way with this servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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. 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 2023-01-22
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2022-05-18
Company: STERLING JEWELERS, 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: Account status incorrect

Complaint:
I have an account with a jeweler that has always been current. I have even met the requirement of paying off balance in 12 months with no interest. For some reason that past three months starting in XXXX. Paying through the companies ' portal has been a mess. Ill make monthly due payment and later down the road theyll be calling me asking for payment. When I go check on portal it has said my payment was reversed with explanation. This has happened more than twice and unfortunately the last time it happened they marked me 30 days late which I think is unfair. They have been unwilling to provide me with explanation on way the payments are getting reversed. I have been financial capable of paying this account for the past year in a hlaf since it was opened. They recently changed online portal and system to pay on account but still give no valid explanation on why my payments havent been going through when funds have been available. On top of that when I called to let them know I was upset they marked me 30 days late they had offered me no assistance or help. Ive always paid this account on timely matter and I think it is unfair for them to mark me 30 days late.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Experian Information Solutions Inc.
State: GA
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:
I have never been late on this account. The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances..Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud.. Remove the accounts asap XXXX XXXX XXXX, XXXX XXXX, U S DEPT OF ED/XXXX XXXX, U S DEPT OF ED/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 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Gap Insurance that was purchased was not reimbursed.

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 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXXXXXX 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2019-07-05
Company: Specialized Loan Servicing Holdings LLC
State: DC
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:
Mr. XXXX XXXX, CEO Specialized Loan Servicing XXXX XXXX XXXX. 
XXXX XXXX, CO. XXXX XX/XX/2019 Dear Mr. XXXX : An SLS employee who took my phone payment, inadvertently entered the wrong amount. Instead of her entering my regular monthly payment of {$2800.00}, which I made clear to her that I wanted to pay, she entered the amount of {$2000.00}. I made my payment on Friday XX/XX/XXXX, but did not learn of the mistake until I checked my bank record on Monday XX/XX/XXXX. I saw where SLS made an error and I immediately called to make sure I had my payment in before it was over 30 days late and reported to the credit agencies. To my dismay, I was informed by another SLS employee that the amount that was short ( the {$800.00} mistake made by the SLS employee on Friday ) would be reported over 30 days past due. 

I can not afford to have my credit score impacted by this error made by SLS. My wife and I are involved in a number of financial negotiations right now and need our credit scores left intact.

My hope is that SLS find a way to address the issue and not have your employee mistake ruin my credit score, especially at this time. Can you assure me that you will rectify this error expeditiously? 

Please keep me informed on your course of action. 

Sincerely, cc XXXX XXXX, SLS Customer Care Manager ; 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 explanation
Consumer complaint received 2022-02-23
Company: Rent Recovery Solutions
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Rent Recovery Solution is attempting to collect on a debt not owed to a company that I do not owe. I have disputed the debt with Rent Recovery Solutions by mailing and by phone. Rent Recovery Solutions is still attempting to collect on this debt. I have made attempts to resolve starting in XX/XX/XXXX through XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: CITIBANK, N.A.
State: FL
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:
XX/XX/19. 

CITIBANK , N.A . 

Attention : DEBIT CARD BDU. 

XX/XX/XXXX XXXX XXXX XXXX, SD XXXX CASE : XXXX AMOUNT {$400.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX. CA XXXX XXXX XXXX ACCOUNT # XXXX On XX/XX/2019 my debit card for US {$400.00} was used WITHOUT MY AUTHORIZATION. 

Immediately start a dispute over the phone that never prospered. 

Then On XX/XX/19 send a written letter to activate the dispute ( attached copy of it ) I do not understand the reason, but initially they credited me a different value in my account US {$410.00}, and yesterday XX/XX/2019 they debited me this same value US {$410.00}. 

Today I called to claim for what happened and they told me that I should start another dispute for the correct value of US {$400.00}. 

I really do not understand why I should start the same dispute again. 

The truth is I'm not happy about what's happening because it's not fair that without my authorization I get paid for something I never use and the bank does not return my money. 

I have lost more than 3 hours on the phone with your bank and I still do not get an answer after 4 months, Again I tell what happened : I book at the XXXX XXXX XXXX XXXX   XXXX XXXX for the days XXXX and XXXX of XX/XX/XXXX2019. 

When I arrived at the Hotel I immediately realized that I was deceived. 

All the advertising and photos of the hotel on the internet were false and misleading. 

When I went up to the room, it was dirty, it smelled like too much cigarette, it had no heating, the only television that had not served and the toilet was disgusting of the dirty. 

The hotel did not have a beach as they advertised it and the elevator did not work. 

The site looked too insecure and I went to reception immediately and I said that I was going away because they had deceived me and that was not what I wanted for my family. 

I told them that they were scam and they told me that even if I did not stay at their hotel they would still charge the reservation for US {$400.00}. 

I did not authorize them to make the payment at any time. 

I went on the same nights of XX/XX/XXXX and XXXX to the XXXXXXXX XXXX XXXX, as you can see in the voucher attached. 

I can not accept being charged US {$400.00} for a room I never used because I was cheated. 

I hope your bank will respond and credit me with this value of US {$400.00}, since I have always been a good client. 

Thank you, 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 monetary relief