BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
TransUnion is in violation of FCRA Section 623 and FCRA Section 611 Part ( A ) ( 1 ).
On  XXXX   XXXX , 2017, TransUnion signed for a certified letter that I sent formally challenging the accuracy, compliance and reportability of information on my credit report regarding   XXXX   accounts from   XXXX   XXXX   XXXX   XXXX  . I requested them to validate this information and provide me with copies of any documentation bearing my signature. I also notified them that I was aware of FCRA Section 611 ( a ) ( 1 ) ( A ) and that I would be keeping records INCLUDING their method of verification and that I do not consent to   XXXX   or any means of automated verification.
On XX/XX/XXXX , I received an updated copy of my credit report with a cover letter that included a statement that I could " ... also request a more detailed description of how the investigation was conducted along with the business name, address, and phone number of the source information. '' I had already included that request with the initial letter. There was no documentation of this verification, including no documentation of my signature or proof that these alleged accounts were mine.
On  XXXX   XXXX , 2017,  XXXX  signed for another certified letter I sent advising them that I was formally requesting a description of the procedure used to determine the accuracy and completeness of the information, and that it should be provided within 15 days of the completion of the reinvestigation. I requested the name, address, and telephone number of each person they contacted regarding these alleged accounts.
On   XXXX    XXXX , 2017 I received a copy of my credit report with the same stock cover letter that stated, again, I " ... may also request a more detailed description of how the investigation was conducted along with the business name, address, and phone number of the source information. I have not received the documentation from the original request of XX/XX/XXXX  as requested. They have also failed to provide the documentation from the 2nd request of XX/XX/XXXX . There is no proof valid verification took place, which should include the name, address and phone number of whom they received the information from, and what information was received to verify these alleged accounts, including any document bearing my signature.

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 2023-11-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
XX/XX/XXXX Fifth Third Bank Loss Draft Dept received an insurance claim check for {$42000.00}. I submitted the required documents multiple times and they deleted them and changed them from completed and accepted to need additional documentation a few times. I have emailed, called and spoken with them in person, multiple times. I received a message saying the funds were available in an escrow account on XX/XX/XXXX. The partial check # XXXX in the amount of {$31000.00} was issued on XX/XX/XXXX per the My Claim Funds portal. I called the LD Department and they said no, the check has to be mailed. I received a message on XX/XX/XXXX saying it was processed. On XX/XX/XXXX I again called to ask why I had not received the check. I was told it was mailed on XX/XX/XXXX and it was not their problem, that I had to take it up with the post office. The post office has no info because the tracking says the label was created ( I purchased this mailer ) but not given to the USPS. My contractor has now stopped work until a payment is made. He has been working, in good faith, since the middle of XXXX because the insurance company approved and issued the check on XXXX. My house is torn up and in the middle of the repair phase still. 
I have spoken to the local Branch and they have also attempted to get help for me from this Loss Draft Department and have also become frustrated. I requested to have this escalated through the local branch on XX/XX/XXXX and am waiting to speak with someone from that department. It is my understanding that Loss Draft is part of 5/3 bank, however, it appears to have no governance by the company 5/3. I am being disconnected after sitting on hold for long periods of time to speak with someone at LD, and when I do speak with them often times they sound half asleep with noise in the background that sounds as if they are at home. I need help to get my home repaired ASAP. I have to go this entire process again for any future checks that are received. I have had to beg, literally, and still I am living in a mess solely because of Fifth Third 's Loss Draft. My claim is " monitored '' because they feel the average homeowner is not responsible enough to handle an insurance check and yet they have now lost a {$32000.00} check. They refuse to do anything other than cancel the original check, resubmit, and mail it. If I want it faster than regular mail, I have to send ANOTHER prepaid envelope to them. I am looking at weeks again. This is not acceptable and is quite frankly, cruel, abusive and irresponsible as well as unprofessional. In addition to the documents below, I also have recorded phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-29
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Offer clearly states Bonus will be deposited within 45 days of deposit verification. Deposit verification of {$3000.00} cash took place on XXXX when the account was opened and all other stipulations/qualifications to receive the {$500.00} bonus were met. On XXXX, which was the XXXX day since XXXX, the bonus had not been deposited so I contacted the person at the bank who had opened the account, XXXX XXXX. She forwarded my complaint to her superiors and then called me back the following Monday saying that they said 1st 60 days must pass before the " within 45 days '' takes effect. I told XXXX that that was not what the fine print said. She agreed so she resubmitted the inquiry to her superiors. A few days later she called me and said they were not going to deposit any bonus until 45 days after the 60 days were met. 

This is in violation of the attached mailing I received from USBank. This constitutes consumer fraud.

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 2023-04-29
Company: Veros Credit, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am the co-signer on a vehicle leased from Veros credit. They have been calling me for several months stating the car note is behind by 2 payments. I have spoke to some one twice this week ( XX/XX/23 and XX/XX/23 ) and asked them to repo the vehicle. First guy I spoke to stated I am the primary on the account but I don't have say so if the vehicle can be repoed. Which does not make any sense at all. The second guy I spoke to stated, " they just want their money, they are not going to repo the vehicle and they will continue to call me. '' They still continued to call that same day. They call more than 10 times a day. I woke up today ( XX/XX/23 ) to 9 missed calls all within 1 1/2 hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692C- States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2023-11-03
Company: EQUIFAX, 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 is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-03
Company: EQUIFAX, INC.
State: LA
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 Report act XXXX XXXX  # XXXX XXXX XXXX, # XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX 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 writing instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, 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:
Why do you keep on closing my complaints saying that you already processed my earlier complaints about my problem? I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I'm reaching out regarding these inquiries and for assistance to remove these inquiries from my credit report immediately. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, 2016, I submitted a formal cancellation notice to XXXX XXXX XXXX XXXX, a massage therapy company which operates in multiple States across the US. The arrangement is that customers sign up and pay a monthly fee of {$59.00}. The contract that I entered into was a " month-to-month '' agreement, which was subject to cancellation by the customer with 30 days written notice, which I submitted, at the direct instruction of the Company on XXXX/XXXX/2016. However, XXXX XXXX XXXX refused to cease the monthly billing to my XXXX XXXX credit card. With the assistance of XXXX ( I reported this practice as fraudulent to XXXX ), I was able to have XXXX XXXX XXXX removed as an authorized creditor with charging rights to my XXXX credit card account.
Beginning about six months ago, I began to receive progressively more aggressive phone messages from XXXX XXXX XXXX demanding payment of {$230.00}. Three months ago, XXXX XXXX XXXX turned this matter over to their collection company, Transworld Systems , Inc., which has been hassling me regularly via mail since that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have two loans that have been transferred to Aidvantage. One is due to start repayments in XXXX. It is for {$12000.00} at XXXX XXXX interest for XXXX years. Aidvantage has this calculated as $ XXXX. It should be ~ $ XXXX. 

I called on XX/XX/23 and the service representive agreed with my calculations. She said the loan would be redisclosed and corrected. 

On XX/XX/23, the monthly bill was still incorrect. I submitted an email through the company 's website. 

Today, XX/XX/23, I checked and the bill amount is still incorrect/unchanged. The company is planning to withdraw money from my account on XXXX. I have been on hold today for XXXX minutes with no answer. I tried the chat function and it stated " We are currently having heavy volume. Sorry for the inconvenience. Please try back later. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Back in XX/XX/2019 a company called XXXX charged my credit card for {$230.00} without my consent. I had done business with them before but they were not authorized to to charge anything else on my card. They did and I immediately disputed the charge with CHASE. I explained to CHASE the situation and they promised they would look into it and handle it. I was told to provide information multiple times regarding what was charged and why I was disputing it. I did that and even called CHASE multiple times to explain why it was not a valid charge. They contacted the merchant who not only provided them with doctored emails but also claimed to have mailed a product to me that I NEVER received. I did not receive or activate a new device that XXXX claims to have provided me. Nor did I ever request it. CHASE sent me a letter claiming it was a valid charge even though it was not. So again I disputed it and they told me to send additional documentation which I did. At that point I asked for a Supervisor ( which recorded conversations will prove I was told one would call me back ) yet for 2 weeks no one did. Then I receive another letter saying again the case was closed. When I confronted CHASE of why a Supervisor did not call me they lied and said no notes where in the system when I know the phone conversation is recorded and happened. They failed to gather all the information, they consistently lied, and took the word of the merchant who sent them doctored documents. That is plain fraud. They did not protect me in this situation as consumer and so I have no choice but to file a complaint and escalate this to look into their practices and also have this charge disputed and off my bill. They brought this on themselves for the way they handled the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of XXXX I noticed 6 new collections accounts added for $ XXXX $ XXXX $ XXXX/ $ XXXX $ XXXX {$520.00} i disputed these items and requested debt verifications I received no debt verification and the disputes resulted in a decision of accurate information I contacted the collections agency to find out what dates the accounts became delinquent I was told XXXX and I asked why they were violating federal law by reporting theses accounts as a new delinquent account they said because the credit bureaus made them and I explained I would file complaint and possibly lawsuits if it wasnt corrected and they refused to make any attempt to correct

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Problem with personal statement of dispute

Complaint:
On  XXXX   XXXX , 2017 I had filed dispute compliant with TransUnion about inaccurate amounts on my credit report from   XXXX   XXXX    Dispute claim file :  XXXX  or  XXXX . ( see attachment ) Trans Union refuse to remove inaccurate amounts on my credit report the results I received by letter " verified as accurate '' with   XXXX   XXXX  .TransUnion did received my supporting documents by priority mail ( see attachments ) I truly believe TransUnion unfair decision, because I had canceled my monthly membership with TransUnion. Whenever, I would call TransUnion inquiring about my dispute. With every phone call I am always asked to purchase their credit alert plan. ( see attachment )   XXXX   XXXX  . purchase accounts though a vendor to collect with consumers with duplicating amounts also adding invalid amounts to a consumers credit reports with the credit bureau ( s ).
TransUnion and   XXXX   XXXX   are aware about the inaccurate amounts both have the illegal agenda to gain monies along with damaging my credit for 7 or more years.
Listed are the amount   XXXX   XXXX   is trying to collect invalid amounts : {$160.00} {$160.00} ( duplicate amount ) {$130.00} {$250.00} {$210.00} Total amount {$940.00}

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 explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I would like to state that Equifax is in violation of 15 USC 1681 ( b ) ( a ) ( 2 ), which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, a federally protected consumer, never gave Equifax any written consent to report anything on my credit report. No consent was given and this is identity theft. I demand that you remove these inaccuracies off of my credit file within the next 10 days. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. 

I have listed the following accounts that you incorrectly reported and should be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Equifax has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused me a great deal of injury. By allowing these inaccuracies to be illegally furnished on my consumer report, it has caused financial damages to me, including jeopardizing my living situation, as well as caused me to completely lose confidence within the banking system. 

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. 


Regards, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase Bank has frozen my checking account. They detected fraud and have not allowed me to access my funds. I have been locked out online and after a visit to the branch, I have been told it will take 2 weeks to 2 months to retrieve my funds. The branch says these is all being handled by a special fraud department and the local people have no information. No indication of how the fraud happened ie. ATM, electronic or whatever. I am treated the fraud not the victim or the customer. My account was closed around XX/XX/2023. I have several automate deposits that have gone into the account since that date. I had roughly {$4000.00} in the account. Iam a XXXX-year-old XXXX  suffering from several medical conditions including XXXX and XXXX and XXXX XXXX XXXXXXXX XXXX. I have had to scramble to pay my bills using other credit cards and borrowing money from friends. I have visited the bank and called them but as in the aricle below and the fraud department talks to no one. I thought the job of the bank was to protect its customers. I this case I am being held hostage. I certainly did not take my own money but I am being treated like I am a fraudster. However I am the victim. 
I just read the attached article and say ditto. 
https : //XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation