BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-17
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I asked Transunion, XXXX  and XXXX  to verify two accounts ( XXXX XXXX and XXXX ) that were reporting inaccurately. They responded on XX/XX/XXXX stating that the Original credit, past due, terms and rating were updated on the XXXX Account for Transunion and the XXXX account remained the same. 

I then responded on XX/XX/XXXX to Transunion, XXXX and XXXX  because XXXX was still reporting inaccurately with three different months for the same late payment. Transunion reported XX/XX/XXXX, XXXX  listed XX/XX/XXXX and XXXX  reported XX/XX/XXXX. XXXX has since removed the late payment, however, it remains on XXXX  and Transunion. If the same creditor is verifying payment history on the account to all 3 of these bureaus, then how can the dates be different across both bureaus? 

I also responded to on XXXX XXXX to the XXXX  account still reporting inaccurately with different dates of last activity. Transunion has it listed as XX/XX/XXXX, XXXX  has it listed as XX/XX/XXXX and XXXX  has it listed as XX/XX/XXXX Again, how can these dates be different if the information is being verified with the same creditor? 
The bureaus responded and XXXX is still reporting with different date of last activity as XX/XX/XXXX for Transunion, XX/XX/XXXX for XXXX  and XX/XX/XXXX for XXXX  which 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 2021-02-12
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing this report to dispute a fraudulent account opened under my name on XX/XX/XXXX. This has been an ongoing battle with the company, XXXX XXXX XXXX, who sent the last bill to my current address. There was an account number XXXX for Comenity BankXXXX XXXX. The XXXX XXXX XXXX is number for the account is XXXX. The balance was written off as {$910.00} as of XX/XX/XXXX. I disputed this in XXXX. I received a letter on XX/XX/XXXX stating that it was not seen as fraudulent. So, I have attached a fraud affidavit & this account does not belong to me and it is fraudulent. I am basing this claim on a report I received from XXXX on XXXX ( report # XXXX ). According to my most recent XXXX credit report ( report # XXXX ), the Comenity account number is XXXX. This Comenity Bank/XXXX account was opened fraudulently on XX/XX/XXXX. It was charged off on XX/XX/XXXX and sold to the company. I have not once agreed to the account or proven its validity. This account is fraudulent. Whoever opened this account was up to date on payments. This could have been a positive effect on my credit history. I do not know who opened the account, but it was not me. Find police report # XXXX attached. I also have a fraud affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
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: Account status incorrect

Complaint:
The account below is no longer active and should have been removed from credit report. 

XXXX XXXX Last reported XX/XX/2020 {$32000.00} Reported balance

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 2022-07-08
Company: Early Warning Services, LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am creating an additional claim due find out more information. 
I recently was scammed by a person posing as a renter for an apartment in XXXX. This person refused to let me see the apartment and I backed out of the lease agreement. The person told me that I could submit a document to get a refund, but I have not received it. Zelle won't do anything about it because I authorized the first initial payment because I thought I was getting an apartment. The security deposit was {$1700.00} on XX/XX/2022. This week I found out that this person has scammed people before, and Zelle is fully aware of it. A woman I spoke to was scammed by the same person. She was not only scammed of {$5000.00} but this person stole her email, and her name, and froze her bank account. This happened before I was scammed, and Zelle already has a report on this person yet they still continue to let this person use Zelle with no protection for those who aren't scammers. I can provide more details, and I wanted to emphasize how Zelle gave me the blueprint if I ever felt the need to scam  someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage since the beginning of our payments have always been for a total of {$780.00} Principal {$310.00} Interests {$370.00} Escrow of {$99.00} which only consist of paying XXXX insurance not property taxes which is way too high since we also have an HOA involved. 

The last time we got plumby issues in late XX/XX/2022 our insurance coverage XXXX only covered up tp {$4500.00} for over {$12000.00} of damages ( personal properties ). 

As of XX/XX/2022 They're now charging us an escrow of {$230.00} which means we are now paying a total amount of {$2800.00} a year for a XXXXXXXX XXXXXXXX XXXX XXXX home which is outrageous. Especially after the fact that they are providing us again the worse insurance possible when the dwelling and outside of the home is also covered by the XXXX. 

Well fargo is 100 % taking advantage by overcharging us for insurance.

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 2020-12-17
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello on XX/XX/16 as I was shopping my chime account was closed around XXXX midday. I had money in my savings account and my credit card which is all linked. I reached out to a chime representative and she ensured me that it must have been a mistake but that I should keep trying to contact chime because they would never closed an account in one day they will give you at least three days to move the funds. However I wasnt given that chance. I was shopping for food for my home and family and I havent had access to none of my funds. This has caused me emotional stress and I wont rest until someone help me. I will get a lawyer because by law you can not close an account and keep peoples money. I dont fare for the account I just need to be given access to my account to move the money. Also I have reached out to chime in several emails hoping that they have responded

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: U.S. BANCORP
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
My bank 's website has an option to apply for a " basic loan '' as they call it. I applied for it, and the denial said that I did not have enough automated deposits recently on my checking account. Is that legal to require deposits to be automatic? That seems weird to me if my deposits are regular but actually use a branch in person rather than automatically. So that if someone deposits a paper check instead of ACH then they don't get a basic loan, I guess. I know I have other problems with my credit, but this reason seemed unfair to me.

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 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2021-12-02
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a credit card purchase for {$33.00} that I charged it to my Sears Mastercard managed by Citi. The due date to pay the credit card was XX/XX/XXXX. Unfortunately I misplaced the bill, found it, then paid it on XX/XX/XXXX. I called the 800 number on the back of the credit card on XX/XX/XXXX. I spoke to a lady, explained that I had misplaced the bill, had never been late before, then requested that Citi waive the {$30.00} late fee. There was short delay while the representative checked my prior payment history. When she began speaking to me again, she said that the records indicated what I said is true and as a courtesy she is removing the {$30.00} charge. She added that it was good of me to call to explain why I was late. In the beginning of XXXX, I received a subsequent bill from Citi Sears Mastercard that not only did not reflect the promised {$30.00} credit, but an additional {$42.00} late fee was added. On the XXXX of XXXX I called again, spending almost an hour with another lady explaining what occurred before a supervisor joined in on the call. The supervisor told me that she would remove the additional {$42.00} fee but I would have to pay the initial {$30.00} late fee. At this point, frustrated, I told both of them that I expected to get what is promised and to cancel the credit card. Since then, I have received another statement so I now have been billed {$110.00} in late fees for a {$33.00} purchase that I paid approximately two weeks late. Additionally, Citi sent me a demand letter for payment stating that my failure to pay may result in them sending a negative report to credit bureaus and I received computer generated telephone calls almost daily requesting payment for the fees. Included with this complaint is a recent letter to Citi along with supporting documents. As a follow up, I received a telephone call yesterday from a different representative who told me that Citi Bank company policy only allows them to waive one late fee, therefore she is unable to do anything more at this time.

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 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-10-31
Company: The Bureaus, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not consent to, authorize nor benefit from any of the following accounts. Block and remove it immediately. 

The Bureaus Agency Name : XXXX $ XXXX {$870.00} Account # : XXXX OPEN : XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: FL
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BXXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am trying to submit a dispute online through my Transunion account on XX/XX/year>. When I click on start a new dispute I get an error, " We're unable to complete your request right now. '' I followed their suggested steps of logging out and logging back in, but that didn't fix the problem. I chatted with the help desk on XX/XX/year> and they suggested using XXXX and clearing my cookies/cache, but this didn't fix the problem either. The chat agent, XXXX, then disconnected the chat without further assistance being provided. I am still unable to submit a dispute online and receiving the same error message.

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 2023-08-02
Company: EQUIFAX, INC.
State: WI
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Made {$2500.00} payment with all extra to be applied to principal. Normal payment is approximately {$650.00}. This is 6th time time in the last year BMO Harris Bank has NOT applied extra principal or in this case the extra principal payment has disappeared completely from the payment. This last happen around XX/XX/18 where I filed a complaint with the Consumer Financial Protection Bureau. Complaint # XXXX. I have reached out to BMO Harris at my local branch, but they are having no success with corporate office on rectifying the problem. I have to believe they have either singled me out for harassment or the problem exists with thousands of BMO Harris mortgage holders. In either case there should be an external audit of their mortgage department. I am forward this complaint to the Attorney General of Arizona and the Illinois and Arizona Division of Financial Institutions.

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 2023-11-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These accounts have incorrect information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: In progress
Consumer complaint received 2019-07-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX XXXX at around4pm California time a Real Estate Agent or Auction.com Rep was parked in front of my home at XXXX XXXX XXXX, XXXX, Ca. stating my house was going to be sold on XXXX XXXX at auction sale. 
The Reps or Real Estate Agents stated that house is listed on XXXX as Foreclosure and For Sale and it's true, because I saw my house listed on XXXX. 
I spoke with SPS Lender and Rep stated that I was in " Assumption '' in having my name on the loan as I have substancial income evidence to comply with the new loan assumption and Loan Modification. 

I have sent all documents requested by SPS Lender and rep stated they have all documents requested to move forward with the Assumptions and Loan Modification. 

A Assumption on the loan has to be done according to SPS Lender of XXXX XXXX XXXX because my Mom XXXX XXXX XXXX XXXX  with XXXX and I can take over the loan because I am on title on the house only. 
SPS Lender didn't want to add my wife on the loan because, they stated that she is not on title of the house. 
I don't have no Attorney to represent me, because I can not afford a Attorney, so I respectfully made contact with XXXX XXXX XXXX XXXX to assist me on myy issues. 
I have a family, with children, and, my Dad has a Lifetime Disability and Pre-Existing Medical Condition and we don't have no other shelter for my family, if we are foreclosed out of the house on XXXX XXXX. 
We will be Homeless and without shelter. 
My Dad XXXX XXXX is XXXX and Former-brother in Law XXXX XXXX XXXX is a XXXX XXXX XXXX XXXX Veteran and he is XXXX Lifetime and Retired. 
We respectfully like to have a Amicably a positive Assumption and Loan Modification so we be able to rest in Peace and without stress. 
We don't want to contact the National News and Local News medias on my issues, as my Mom XXXX XXXX loan is in Fraud, Scandals and Corruptions and that's why SPS Lender, the XXXX XXXX XXXX wants to expedite the Foreclosure and Sale of my Mom XXXX XXXX and my home on XXXX XXXX at 9:00 am in XXXX XXXX, California. 
This is a very Urgent and Extreme issues!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I created a myEquifax account to submit a dispute as required by this comapy. I did everything properly and then on XX/XX/XXXX Equifax sent an email stating they needed more information to link my dispute with my account even though I submitted the dispute through the myEquifax account. On XX/XX/XXXX I faxed the requested information to the number Equifax gave me along with the confirmation number to my dispute. I then followed up with a call and spoke to an American representative at Equifax to make sure the paperwork was received but they told me it took 5 business days so the gentleman took all the information and verified my account over the phone to complete my dispute submission. Since then I received the same email request for the information and when I log in to my account to check the status of the dispute it still says unable to link my dispute with my account. On XX/XX/XXXX, I received an email that my dispute was completed and to login to see the results but once again it would not show my results. I called Equifax and spoke to another XXXX representative and was told to call back in a few hours cause their system was updating but their website says they are available from XXXX to XXXX seven days a week. For years I have had this issue with Equifax. I started to do a new dispute and I see the original account I dispute to be updated but not deleted. I provided proof that the account was an error but since I am a commodity to Equifax correcting the error was not in their best monetary decision.

Company response to consumer: Closed with explanation