BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2020-09-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Wells Fargo opened a fraudulent personal loan under my name and social. I've reached out to Wells Fargo and the credit reporting agencies various times to try to resolve the issues directly. Unfortunately my request has fell on deaf ears with Wells Fargo and XXXX. I was provided information by Wells Fargo for the loan and upon review no information matches mine. The address used in the application never belonged to me and the signature page doesn't match mine. 

Also the company listed in the application I never worked for nor had any association with me. Lastly the tax returns that were provided are fraudulent and never filed with the IRS. Had Wells Fargo confirmed all the stated facts it would've prevented this fraudulent nightmare that's affecting me and my family. 

XXXX  has also failed to hold Wells Fargo to a higher standard and has also ignore the material facts in investigating this claim.

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 2023-03-27
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am entering this complaint for the civil lawsuit against Wells Fargo Bank I had a mortgage with Wells Fargo from XX/XX/XXXX through XX/XX/XXXX I had applied for a modification but was not permitted and almost lost my house

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 2022-08-18
Company: Chime Financial Inc
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been trying to get my money from chime in the amount of XXXX from my savings account. They have suspended my account and refuse to give me my money back. I have emailed support/review chime on numerous occasions and have not received any sort of response. Chime refuses to just close the account. I have verified all of my information. They are preventing me from paying my mortgage and bills. Chime is negligent in providing answers there member service reps just give you any answer you want to hear without actually taking care of the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Profit Services Group
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.

{ Creditor/Collection Agency } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights . I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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 2020-11-15
Company: U.S. BANCORP
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:
On XX/XX/2019, US BANK CONSOLIDATED add a hard inquiry on my credit report per 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 2023-09-06
Company: Experian Information Solutions Inc.
State: MI
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:
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.

has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-02-26
Company: EQUIFAX, INC.
State: NJ
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 have no knowledge of these accounts. i beleive the thieft accessed to my information with these databreaches leaks. please remove all those fraudulents accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I was permanently banned from using Venmo and Paypal. I've only used it to pay my landlord rent and to send money here and there with friends. It's honestly extremely inconvenient because Venmo and Paypal are the biggest money transfer services that people in my life use and now I'm banned with absolutely no explanation after emailing and contacting Venmo. They give extremely vague answers. 

My partner just noticed hers was frozen too. Completely different accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the IdentityTheft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the IdentityTheft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX Date Opened : XX/XX/2005 Balance : {$0.00}

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 2022-08-18
Company: Mountain Run Solutions, LLC
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
2 years after canceling an account with XXXX XXXX and not receiving any notice of an issue Mountain Run Solutions contacted me by text informing that they had purchased a debt and would report it in 16 days to credit. No other information was sent. I contacted XXXX and they had no knowledge of selling any debt to Mountain Run solutions and said that the company they used was Perfect Collections LLC. On the XXXX I attempted to contact XXXX XXXX XXXX as they had sent repeated text messages to me and made other attempts to contact during work hours. Mountain Run solutions then provided erroneous information about XXXX cancelation policy and ignored the provisions of cancelation in my contract. Mountain run solutions has ignored my dispute request and are still threatening to send an adverse report to the credit reporting agencies. During recorded conversation an agent stated they sent debt verification to my email address. I have not received this verification and the time they stated they sent verification was before my request for verification. In later email messages with the manager the manager stated the day after the agent stated that the verification had been sent that it had not been sent and that they would be sending it while again threatening to report on the XXXX but claiming they had 30 days to send the verification. The agent acknowledged that they did not know or have record of the Idaho consumers rights act. The agent confirmed they did not do due diligence to correctly obtain my mailing address.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On the afternoon of XX/XX/XXXX, I transferred money from my Chase checking account to make a payment to my Chase credit card. As of XXXXXXXX XXXX XX/XX/XXXX, the payment is showing " pending '' in my checking account and my credit card account has not received the payment. 

This is one bank! There's no reason for the transfer to remain pending for an entire day. The funds have been removed from my account but not received by the credit department. So where is this money? 

Further, my credit card incurs interests cost for this time in which there is higher balance on the card. A balance which would be lower if the payment had reached the credit department.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Nelnet, Inc.
State: OH
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:
After sending the last complaint Nelnet has unlocked my account so that I can view it. It stated that I was in forbearance. That status has now been changed to repayment. Today I spoke with someone in Nelnet 's customer service department. She isn't sure why I was given incorrect information concerning my Public Service Loan Forgiveness. I asked why my loans were placed in forbearance and she indicated that  happens automatically when I am in bankruptcy. I was never given this information prior to today. She said that I am in a graduated plan, which is still the wrong plan. But the payment with this plan has never changed. The payment is supposed to increase every couple of years. She suggested that I consolidate my loans, which I thought I already did, and begin the income driven repayment plan again. I have currently been making approximately the same payment since XX/XX/2003. Something can't be right with this. I'm not sure how to proceed from this point. I honestly get different information from everyone I speak to and no one cares. The girl last week at Nelnet told me my payment would be around {$800.00}. a month on the income based plan, today the representative said she couldn't possible know that. So who do I trust and how do I correct this situation?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Early Warning Services, LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Received a call from a representative claiming he was with XXXX XXXX, a utility company. He claimed that I had an outstanding balance of $ XXXX and needed to be paid immediately or my service will get disconnected that day. He walked me thru process of creating Zelle recipient and making a payment thru Zelle. My first transaction, he claimed had an error on it after I sent it. So he said he was going to cancel and he then walked me thru second transaction and then sent it again. Both transactions were in the amount of $ XXXX first transaction was sent to XXXX and XXXX transaction was sent to XXXX. XXXX came from a XXXX XXXX @ XXXX. 

The issue is with Zelle, the transaction can not be cancelled once it is sent. There is recourse when sending to a fraudulent account or a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: FL
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 explanation
Consumer complaint received 2023-07-07
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I'm in the balance transfer from XXXX XXXX card to the city card ending in XXXX but I had a very small balance on the city card so they issued me a credit on my statement of {$6500.00} the amount of the balance transfer when I requested to get that credit amount and the check the company fooled around with me I call them like XXXX to XXXX times trying to get a check trying to get a direct deposit I never received it after XXXX months the credit on my statement disappeared and I tried numerous times to call the company and to get from them the credit they are sometimes they hang on the phone on me sometimes they send me over to other other departments and nobody was wanted to help me I even tried to get to speak to some supervisors and no one of them helped me it's really XXXX months they're keeping my {$6500.00} with them and no letters coming from them no update is coming from them I really call that stealing my money I want my money back plus a amount for that inconvenience and for that time frame I was withhold my money

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 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated without incident. You, however, seem to claim you've verified the accuracy of the information. I've talked to the furnisher and they've agreed to correct the account. But then Transunion has some internal block which they're claiming they can use to not correct the account because they feel they're above the law. When questioned why they're not accepting the dispute letters, they claim they have an internal policy ( which is OUTSIDE FCRA laws ) and they're unwilling to explain why. The account below needs to be corrected : 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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

I am deeply disturbed by their lack of respect for my private information ; This is an act of aggravated identity theft, as the courts have already stated that they do not release this information to credit agencies. 

By 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. 

Bankruptcy : # XXXX Bankruptcy : # XXXX Trans Union, XXXX, and XXXX have 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 an 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 or 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 data is inaccurate. 

I would like {$1000.00} for every violation on my report and for all inaccurate information to be deleted from my consumer 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 2018-11-15
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred from XXXX to XXXX XXXX XXXX, XXXX effective XX/XX/XXXX. I received a letter to that effect. ( Attached ) XXXX XXXX sent me an email on XX/XX/XXXX advising me that the transfer had taken place. ( Attached ) In the meantime, I have a property damage claim to my home which was paid by my insurance company by check made to me and to " XXXX, its successors or assigns ''. 
Today ( XX/XX/18 ), I contacted XXXX XXXX for instructions to process this check so that I could have the damage to my home repaired, engage the contractor who has already provided the estimate and so forth. The XXXX XXXX customer service person informed me that the account information has not been transferred and that they are unable to assist me and were not sure when the " transfer '' would take place -- maybe Tuesday or Wednesday of next week, but she was not sure. ( An corollary problem was that the customer service line for the " insurance dept '' would drop each and every time I punched the number for connecting to it -- which means the phone system is being serviced by incompetents. ) I asked for a supervisor to assist me, but after being placed on hold, I was told that they had all gone home and there was no one that could be contacted to assist me. 
I need to get the check endorsed and repairs on my home started and should not have to wait because XXXX ( or its principal ) and XXXX XXXX can not accomplish a transfer of accounts and data when they say it is taking place. 
I believe they have a legal duty to service my account in a prompt manner and to accomplish the transfer when they say it will take place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation