BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-05
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23 I attempted to transfer funds from my outside bank to Chime using Chime 's instant transfer option. I entered my debit card and attempted to transfer funds. It was rejected. I attempted it 4 more times but continued to get rejected. The amounts were roughly {$400.00} but it is difficult to recall exactly since I don't have access to the account anymore. Shortly afterwards, I received an email stating my account is on hold. They asked me to submit information to help release the account which included my state ID, utility bill, proof of the debit card that was used and an explanation. I submitted all this information on XX/XX/23. 

While I understand that the bank was closed on XX/XX/23, the subsequent emails I received on XX/XX/23 showed that I am unable to actual speak to anyone at this " special team '' to explain further what happened. I have submitted all the information 5 times via email and uploading it via their website. I continue to get emails stating that there are things missing. I have uploaded everything exactly as they specified, yet I am getting auto-generated replies saying " we'll look into it '' followed by instructions to upload the files again ( which I have done MULTIPLE times ). I attempted to speak with supervisors but they could do nothing more than send a message on my behalf. When I asked to speak to their managers, they said one is not available and there is no other way to contact them. So now I am left with approximately {$1100.00} in my account that I do not have access to. I can not pay my rent, I can not pay my bills. I will likely incur late charges and this situation has put me in a bad place with my landlord.

One of their requests is that I send them proof of the debit card I used when I attempted the transfer. I have sent them my bank statement. However, they want my debit card number to appear on my statement which is just not how things work. Statements don't include numbers to the debit cards, they have an account number and those two numbers are obviously not the same for security reasons. Yet their auto generated responses keep asking for this information and explaining to them the problem does not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am still waiting my updated/correct loan modification contract that to be expedited to me from the CFPB response dated XX/XX/2022 Also, I am waiting my full copy of my contract. I was only given 11 pages from my previous request Also, I have added an additional request for a copy of the Transfer of loan agreement to Freedom Mortgage from my original loan company

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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.

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 2022-04-06
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am disputing a debt collection for unverified debt connected to a lease. I moved out on XX/XX/2021. The balance on the account as of XX/XX/2021 was XXXX. I received a debt collection on my credit report in the amount of {$5700.00}. The debt collector sent me an itemized list of the debt that includes fees that do not apply to me at all. 
1. Two rent charges for the period XXXX XXXX ( illegal ). 
2. Reletting fee ( no person on the lease was altered ( illegal again ). 
3. Pet fees ( my dog is ESA and I dont pay pet rent ). 
4. Increased utility fees ( doesnt support evidence I have stating the outstanding fees ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XXXX, I sent a dispute letter regarding inaccurate and unknown things on my consumer report. Til now, 50+ days later, I have yet to receive a response. I feel Iike Im being taken advantage of and ignored regarding my disputes. Section 611 ( A ), it is plainly stated that a failure to investigate such claim within 30 days gives reason to immediately remove such items from my consumer report. It has been 50+ days and shall be deleted promptly. Furthermore, under the FCRA the consumer reporting agency, Equifax is required to include that such account has been disputed by consumer. Because this has not been reported to my consumer report, this is also a violation under 15 USC 1681 ( i ). I demand these accounts be deleted immediately or I will file for litigation due to the stress and issues this has caused me. My information was also impacted by the Equifax Data Breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
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:
I was looking at my credit report and noticed there was a lot of fraud from a company that i thought was handled a long time ago when I told them they had the wrong person back in XXXX. For some reason account resolution services has hit me with 7 hard inquiries on my account with all different prices. They call countless times. I had explained to them they had the wrong person and I thought this was all done with as they understood. Today I went into my XXXX XXXX which is XX/XX/XXXX. I have no problem providing any of my personal information but this is identity theft and fraud and nothing on here was ever signed or agreed upon by me. I do not know this company or the companies there working with. I would just like this to be resolved so my credit is accurate.

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 2023-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: EQUIFAX, INC.
State: NJ
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 reported it to the credit bureaus sent all documents and letters. And I still received no updates.I have been a victim of fraud. And my information is on the dark web. I been dealing with being scams for years. I need helping fixing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, 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 formally requesting that XXXX, Equifax, and XXXX remove the following items from my credit reports. It is imperative that my credit reports accurately reflect no negative items. This serves as a follow-up to my previous complaint, as I anticipate that upon updating my credit reports, the listed items below will have been removed : XXXX : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} EQUIFAX : XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: PLANET HOME LENDING, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I set up payment plan from my bank XXXX & XXXX XXXX XXXX, Pa, the new company refused payment. 
XX/XX/2023 Dear XXXX XXXX, We tried to process your payment to PLANET HOME LENDING for {$1100.00} on XX/XX/2023, but it was returned to our processing center due to an invalid account number. The payment will be credited back to your funding account. Please allow 2 to 3 business days for the refund to post to your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: Navient Solutions, LLC.
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: Public record information inaccurate

Complaint:
Navient has continued to illegally compel me to make payments on the account number XXXX that was included in my XX/XX/2009 XXXX  XXXX Bankruptcy discharge/disposition. It is illegal for a creditor to knowingly induce a former debtor to pay a debt that has been discharged and continue to house the account with the credit bureaus, impacting my ability to attain any measurable financing for my upward mobility in the interests of my family. 

Navient must cease and desist from further request for me to pay the debt and must remove it from my credit record and contact all the Credit Bureaus and request its removal from my credit profile with deliberate speed. 

Sincerely! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions 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:
These accounts are not mine. I need these accounts 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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have no association with the mentioned creditors, and I did not initiate the inquiry in question. I kindly request that you promptly remove this inquiry from my credit report as it is inaccurate and does not reflect my credit history.

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 2023-10-07
Company: Southwest Recovery Services, Inc.
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted on XX/XX/2022 at around XXXX by XXXX XXXX and was asked that I return her call. Upon me returning the call, she informed me that this was an attempt to collect and settle a debt on behalf of my landlord. I was unaware of why the landlord would be seeking payment after the court judgement was issued so she stated that the balance was due to unpaid rent and needed to be settled. I asked her to please provide me with a debt validation on the breakdown of the charges and I will follow up with her upon receiving it. Instead of providing me with the statement to my email, she sent over an email that stated I was refusing the debt and no further questions will be needed. Within two weeks later she had the debt amount of {$11000.00} placed on my credit report without providing me any documentation of the charges. I recently was going through some mail and came across the itemized statement that was mailed to me certified on XX/XX/2022 from the management company. The amount owed stated a balance of {$8600.00} which has now made me question why did the balance magically grow over {$3000.00} and was reported to my credit as such. I believe this collection agency is illegally swindling me by falsifying debt amounts.

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 2021-06-16
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: SC
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 IS IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS ; ALL 3 BUREAUS ( XXXX XXXX, XXXX, AND EXPERIAN ) IS IN VIOLATION OF : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM 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 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-16
Company: Conduent Incorporated
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I tried to transfer {$1000.00} from Way2Go debit card to XXXX checking account on XX/XX/2022, through the App. I put the right routing number and account number, app required to put routing and account number XXXX times. I have checked the numbers very carefully. Everything was correct, so I click the transfer button. I got an email that the transfer was successful. 
It has been 4 days so far, I didn't get my transfer fund yet to the XXXX bank. 
I called Way2Go card and found out that the first number of account which the bank was supposed to transfer was missing. The technical issue or I don't know .... I did everything right. The App was something wrong. 
{$1000.00} was GONE!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
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:
Thank you for your recent letter. Im very confused by the response. It seems to me that this is a stall tactic to not do what is required within FCRA laws. This is my 3rd attempt to get your company to do the right thing & comply with FCRA. Please review the documentation Im including as it is exactly what is required by law. If you continue to kick the can down the road I will have to move this matter into the courts. Lets not let that happen as Im sure the costs you would incur would be very expensive & this matter is very simple. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these accounts.

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 2023-11-09
Company: Experian Information Solutions Inc.
State: GA
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:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from 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 2023-09-26
Company: EQUIFAX, INC.
State: FL
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 am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021.

Company response to consumer: Closed with explanation