BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
15 USC 1681C-2 " EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION, A CONSUMER REPORTING AGENCY XXXX XXXX THE REPORTING INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THT RESULTED FROM AN ALLGED IDENTITY THEFT '' PLEASE REMOVE THESE ITEMS AS IT IS A VIOLATION TO MY CONSUMR RIGHTS

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 2022-12-05
Company: Comerica
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/22 a fraudulent withdrawal in the amount of {$200.00} was taken from my acccount ane the bank will not acknowledge it was fraud and has not credited back to my account the funds which were stolen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-21
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My name is XXXX XXXX on XX/XX/XXXX my card was used at a atm to withdraw XXXX dollars twice I didnt notice because I had my card on me I just used at the store so I knew it couldnt be me. Then a couple weeks later someone used it on XXXX XXXX thats when I noticed one of my phones was missing out my car that had my accounts on it. So on Tuesday XX/XX/XXXX I open a dispute at XXXX and by XXXX Wednesday XX/XX/XXXX my dispute was closed with chime saying I made the charges so I called to try to reopen dispute but they said I have to wait 10 days to reopen dispute but I havent received the email yet and still havent received my money back from the charges werent mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: Tenaglia & Hunt, PA
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I received a settlement offer on a file managed by XXXX XXXX XXXX. I settled and thought the matter was solved. Turns out I had another account that was taken to court. When I called/emailed to ask about it, I was given confirmation of the other account being settled. I emailed to get details and if I could get a settlement offer. The company has refused to communicate back with me about options to settle or to even discuss the account. The representatives are never available, I've left voicemails and emails and believe I only received one call back and when I returned the call, again they were not available. 

The agent 's names are XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
i have monitoring my credit files and notice that Equifax credit bureau have a problem with my consumer files, when i request information or summit disputes on my Equifax i notice that there is a problem and makes me call equifax that has a error code NH and when i log in in my Equifax does not show any information, no credit cards no credit history, no collections, no payment history also notice that my credit score last update was on XX/XX/XXXX i had few items deleted but not posted on my records also investigating this information found the credit karma is not receiving updates from Equifax XXXX XXXX last update was summit XX/XX/XXXX and there is no accurate information since this items were deleted from all 3 credit bureaus, i notice that credit karma have not removed this information, i have called Equifax on dates XXXX XX/XX/XXXX with case numbers # XXXX -case number XXXX problems with internal server and also i have requested Equifax to provided with a full report to identify changes on my credit, i have apply for 2 credit lines one of them was home depot and they were not able to look my Equifax credit score and report i was decline for credit and since creditors are not able to look my full complete files but there were able to look all the informations before XX/XX/XXXX ( LAST UPDATE FROM EQUIFAX ) this problem have cost me the ability to obtain credit, if this problem does not get resolve I'm force to take any legal action obtain monetary relief, the Fair Credit Reporting Act ( FCRA ) and FEDERAL TRADE COMISSION ( FTC ) does not allow the inaccurate reporting of information on my credit report, i will summit documentation to show the errors and missing information on my credit file as a consumer, i can't get no credit lines for this problem and is very frustrating that equifax does not know correct this properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2022-06-19
Company: Lamont, Hanley & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
As of XX/XX/XXXX I have not received a response from Lamont Hanley & Associates including a history of the account and whether you are licensed in California to pursue these types of debts. Furthermore, you have continued to contact me by phone ( most recently on XX/XX/XXXX ) after I have requested that you only contact me by mail. Both the failure to respond to my XX/XX/XXXX debt verification letter and the continued contact by phone constitute a violation of the FDCPA and I have taken steps to report you to the CFPB and our California State Attorney General for harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Roundpoint Mortgage is the note holder and servicer of my mortgage. We have submitted four different financial hardship packages with the intention of obtaining an approval for a loan modification. We started last year and until now nothing has been accomplished. Every time we submit a package they lose the paper work and send us a notification requesting the same information we have sent via email and after confirmed via phone that it was received they still send out notifications asking for the same information. They continue to play games with us. We submitted an application requesting assistance with our mortgage with Keep Your Home California, and after months of sending information back and forth we were told that the program was approved but Roundpoint Mortgage would not approve working with them, since they are the servicing company and the investors too. we want to keep our home and we are willing to do whatever it is within our power to remain in our home. The third hardship package we sent to Roundpoint was in XX/XX/XXXX. We called them for an update in XX/XX/XXXX and we were told that our application was denied, they never sent us a notification explaining why. Then in XX/XX/XXXX we received a letter from Roundpoint Mortgage requesting more information and stating that the application was incomplete. They decided to re open our file without saying anything few days after people from the program " Keep Your Home California '' told us that our application for assistance was approved but they needed to hear back from Roundpoint Mortgage in order to release the necessary funds to re instate our mortgage. We were supposed to receive up to $ 100k in funds to re instate our mortgage, but Roundpoint Mortgage declined to receive the help " Keep Your Home California '' was offering to us.Things do not match or make sense. Roundpoint is definitely not helping us, instead they are making things more complicated for us as if they want us to lose our home. We are very stressed out over this situation. I told them I suffer of XXXX XXXX and they don't care at all. The people from Roundpoint lie constantly about the paper work they receive and they continue to toy us around. We never receive a call back from the person in charge of our case within the litigation department. We are being ignored and mistreated. We are doing our best but Roundpoint Mortgage loses our paper work every time and we don't know what to do. The first three times we sent our information via fax seven times and via email. We have always received a fax confirmation and confirmed via phone that our information was received but they always send us letter requesting the same information that was sent to them. Please help us with this situation so we can keep our home. We want to stay in our home. 
Thank you for taking this matter into consideration. 
Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX Rollover Year XXXX Accounts Certified Involvement Personal Edd Un-Received Earnings To claims/ & Extension Date Time Filings.

By way of reviewing and closures through times of pandemic Access - Covid Health admin. mandates.

Authentication Process Failure/cooperation assessment Bank of America-Authorized providers Internal Account Closure/Banking Card issuance Point Loma Branch Institute Disclosures Laws abiding governed world wide Conclusive Accordances infringement Actions Interests bonded & Binded In regards bankings legal measures of / monitorys affairs behavioral acts addendum rights. Disregarded evaluations of Highest Royalties personal demands involving contingency by way of abandonment! 
XXXX SEATED XXXX. Reserved XXXX. Documented Literature Prints underwriters too B Of A

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 2022-04-21
Company: Maximus Education, LLC dba Aidvantage
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am reaching out because I am at a complete loss right now. I am attempting to get a mortgage and my credit reports show I have 9 missed payments to my student loans. When I investigated this further it shows I have 2 missed payments from XX/XX/XXXX and 7 missed payments from XX/XX/XXXX. I disputed this with the credit agencies and they came back and stated that they verified the information and they can not remove it. I then requested my student loan status history. For all 9 of the reported missed payments I was in economic hardship deferment. I was in deferment XX/XX/XXXX to XX/XX/XXXX and also XX/XX/XXXX until XX/XX/XXXX. The missed payments being reported fall within these times of deferment. I wrote a letter and attached supporting information to Aidvantage and they wrote a letter back stating that I am still responsible for the missed payment and they can not retract the negative mark from my credit. I have been so stressed out about this! It does not seem fair that while I was in economic hardship deferment they can " kick me while I'm down ''. I then called Aidvantage credit reporting line on XX/XX/XXXX right before I wrote this email and while the guy I spoke with understood and agreed with what I was saying the only advice he could offer me was to write a letter to Aidvantage. I explained that I did that already and he stated there was nothing he could do. 

I am hoping that you can help me get this resolved or point me in the right direction. I am a single mother and have XXXX  small kids and I really just want to provide a house, a place they can grow up, and I am being haunted by missed payments that should never have been reported in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase Bank closed my Checking Account with no notice, the checking account simply disappeared from my Chase Account including all statements and notices from the past. I can not cancel my Direct Deposit to this checking account at my workplace because they require my account number and other banking information that I can not retrieve due to the account being 'paperless '. 

I have had direct deposit from my Work to this account for years with no issue and use the funds in the account to pay off Chase credit cards. 

My paycheck was wired to this checking account today XXXX and I can not access the account or funds to pay my bills. 

I contacted Chase bank today XXXX and talked to multiple reps. 

The first rep gave me a second phone number to call to try to reactivate my account, assured me that I will be able to gain access to my account when I called the phone number with no issue and was told not to worry. She further explained that my account was closed due to inactivity, which does not make sense considering regular direct deposits to this account. The rep confirmed that was direct deposit was wired and deposited today XXXX. 

Calling the second phone number XXXX I was told by the second rep that my checking account can not be reactivated by calling this phone number and that I would be required to physically visit a Chase Branch to make my case to them. 

To summarize, I can not access my paycheck due to Chase deactivating my checking account with no notice. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
i have disputed the inquiries with Transunion several times. these are not my inquiries.

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 2022-04-21
Company: EQUIFAX, INC.
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. The list Of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX XXXX Original creditor : Account number : XXXX XXXX XXXXhas violated my rights XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

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 2021-05-27
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: Was not notified of investigation status or results

Complaint:
I am writing this letter because I recently checked my Consumer Report and I noticed that some errors and inaccuracies reporting. I have been impacted in a negative way because of the XXXX  Data Breach. Also, the collection companies that are involved failed to notify me 5 days it report on my consumer reports. According to 15 USC 1692g validation of debt, the collection agencies my rights were violated. My privacy has been violated as well. Another thing is that I mailed this to them XX/XX/2021 and Its XX/XX/2021 and I have not received a letter from them and they have not issued a notice of dispute on the accounts and its well over 30 days. This has been haunting me for a few years but Im just realizing what the issue is thats hurting and its very frustrating and depressing. As a result I cant get reasonable insurance or a place stay because of this.

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 2023-09-07
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:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Company: REGIONS FINANCIAL CORPORATION
State: IN
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:
In accordance with the fair credit reporting act this creditor has violated my rights under 15-USC1681 section 602 it states I have the right to privacy. USC1681 604 section 2 states consumer report agencies can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purposes. Please remove.

These three reporting agencies reported to my credit report when these were my ex husbands cards and accounts. I was not a joint holder on these accounts. These were all closed with XXXX  balance and these accounts were his to pay off in the divorce. After the divorce these showed up as late marks on my credit. I never used these cards or account and we werent even married in these months. 

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 explanation
Consumer complaint received 2022-12-05
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
In accordance with ally.com policy, an online Secure Message was sent in writing, regarding an ally.com Bill Pay failure, on XX/XX/2022. However, no reply was ever received. Thereafter, repeated attempts were made, both by phone and by Secure Message, to obtain a reply. The most recent of these numerous attempts was on XX/XX/2022. This was a phone call to Ally representative XXXX who transferred me to Ally Supervisor XXXX who stated that there would be a Secure Message reply to my XX/XX/2022, Secure Message regarding Bill Pay failure, by XX/XX/2022. XXXX XXXX 's statement was false. What appropriate penalties and compensation can the Consumer Financial Protection Bureau impose to remedy this issue for all of the patrons of this bank?

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 2022-04-21
Company: TRUIST FINANCIAL CORPORATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
My loan was sold by SunTrust to Truist. I was locked out of my account online at Truist, and can not seem to get the password changed. They do not have humans staffing phones, and the AI is no help because they keep sending codes to an unknown telephone number. 
I have been trying for a week to resolve this, and despite being on hold for significant amounts of time, have never reached a human. There is no way to contact them via email.

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