BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-07
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
In accordance with the fair credit Reporting act XXXX Account # ending in XXXX XXXX XXXXXXXX, has violated my rights. 

In regards to my previous dispute it has been over XXXX days and they have failed to provide the documentation into this investigation. 

The credit agency did not provide any valid proof to deny of my claims. They just validated my complaint that they provided information to the credit collection agency without my explicit written consent. If my signature is on file giving creditor the explicit consent to furnished extremely detailed reports to consumer reporting agency I would like to receive a copy of that document for my review. If said document can not be provided within XXXX  days these alleged late payments should be removed expeditiously. 

15 USC 1681 Section 602 States I have the right to privacy. Creditor is not allowed to disclose detailed information to a consumer reporting agency with my express written consent to do so. Once again creditor did not provide this document with my written consent. Until they can provide this document I reiterate that these allege late payment be removed expeditiously 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have not provide any written instructions to any agency to complete this transaction. I am requesting proof of a written signature acknowledging my formal consent. If you can not provide this proof of wet signature, you are obligated to remove all late payments from my credit report within 15 days.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose. Creditor violated my right be reporting alleged late payments to your agency which under law they do not have the right to report as a transaction.

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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX and I am a victim of Identity Theft. I received a copy of my credit report and have no knowledge of these unknown inaccurate fraudulent accounts and addresses. I have reached out to these companies many times to remove these accounts and addresses and the respond that they have been verified but has not sent me any documents with proof of verification. These companies have added new dates and remarks to these fraudulent accounts which are closed and charged-off.

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 2020-05-25
Company: EQUIFAX, 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:
Here are three entries on my credit report that I received a notification they were being deleted. The first date is the date I received the removal notification. All three of these accounts have magically appeared back on my credit report. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX and the date on this account is XX/XX/XXXX - isn't that too old to be on a report?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Nelnet, Inc.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been unable to reach Nelnet to find help with my account. 

My Federal loans were transferred to Nelnet. I was previously on an Income-Driven Repayment option, on the 20-year forgiveness track. I am not currently working and have been trying to update my status on the site to lower my monthly payment obligation.

Also, while in my account, I noticed some discrepancies with the amount owed and could not find my 20-year track information.

I filled out the online form and received an email with instructions. To me, the instructions were not clear - it seemed as if they wanted me to start an IDR from scratch. Also, the email contained a broken link ( I tried from multiple browsers and over a period of time ). 

I tried calling Nelnet several times over the period of several days, with hold times of up to an hour and forty-five minutes. They do not have a contact feature on any social media and their chatbot was not able to provide specific answers to my questions or point me in the right direction. 

Today is the due date for payment and I have still not been able to reach them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: FinCo Services Inc DBA Current
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I transferred {$2000.00} to an external account and my bank then closed the account 2 days later. I asked about my transfer/deposit and I received no answer. I need assistance making sure they deliver my transfer as promised and handle the funds as instructed,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: DISCOVER BANK
State: IL
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 sent a letter certified mail to Discover on XX/XX/2023 to dispute inaccurate reporting on my consumer report. Discover received my letter on XX/XX/2023 ( green receipt attached below ). I demand Discover thoroughly to do a prompt investigation to to correct this inaccurate report since this negative matter is hurting my credit worthiness that is a violation of the FCRA. 

I attached a copy of the letter sent via certified mail and supporting document of the inaccurate reporting on my consumer reports. Discover shall take immediate action to correct this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: Rocket Mortgage, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX I contacted Rocket Mortgage because I suffered from a hardship because of covid. Rocket Mortgage offered me a Federally Funded Forbearance for three months and then for an additional 3 months. I needed the Forbearance because I had lost my job due to covid. I didn't want to loose my house. They sent me a letter saying that the deferred payments would be added to the end of the existing mortgage - that the mortgage would be modified by extending the term of the original mortgage so the deferred XXXX payments would be made at the end of the mortgage term. 

In XXXX of XXXX, Rocket Mortgage refused to Modify my mortgage, and is now demanded the XXXX deferred payments be made in one lump sum, otherwise they will foreclose on my house. I used the deferment during a national emergency, and if I knew that my home would be at risk for foreclosure, I would not have opted for the forbearance. It seems this is a targeted attempt to purposedly foreclose on my property. I have a XXXX XXXX XXXX daughter who lives with me, I have never been late on any mortgage payments, and I thought the deferral was part of a government assistance program to help people during covid. Now I am at risk of loosing my home. Rocket Mortgage will not accept any partial payments, will not accept my usual monthly mortgage payment, and is doing this to expedite the foreclosure process. They claim I owe {$19000.00} and my home is worth significantly more and I am at risk of loosing my entire lifes savings, because of this deceptive unethical business practice, that I thought was part of a federal program.I need help, they have reported the deferred payments as late to the credit bureaus. Eliminating any chance of me and my daughter ever being able to purchase another home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Chime Financial Inc
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022 at XXXX XXXX XXXX XXXXXXXX EST my Chime Credit Builder Card was fraudulently withdrawn a total of {$500.00}. When I noticed the charges to my account I immediately called Chime on XX/XX/2022 to open a dispute against the fraudulent charges. I was told by chime they do a thorough investigation into disputes & they take up to XXXX business days with a minimum of XXXX business to resolve the matter. I sent documentation showing my time card & the fact the where the money was taken off was an hour & XXXX minutes from my job location. I also have proof I used my card in the area I work which is XXXX, XXXX & the atm used for the fraudulent withdrawal was XXXX, XXXX. There is no way possible no matter how fast I would not be able to be back in the XXXX area within XXXX minutes of my next transaction that I actually made using my physical card. Chime did not look into the facts & the documentation laid out pointing to this being fraudulent charges made on XX/XX/2022 at XXXX PM XXXX & again at XXXX XXXX XXXX. Chime closed my dispute within XXXX business days after starting the investigation, chime was given all the documentation needed & requested. Chime closed the dispute by Monday XX/XX/2022 stating the charges were not fraudulent & were authorized. I then called chime again to open the dispute again on XX/XX/2022, within hours of reopening the case & forwarding information to chime again proving the charges were fraudulent they closed the dispute again stating they stand behind their initial decision that the charges were authorized. Chime is the worse Bank & doesnt not protect their consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Credit report incorrect. Please remove Several hard inquired after filing a form to stop inquiry. Fraudulent activity and misuse of information

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 2023-12-18
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello -- I received a notice from Pro Collect Incorporated that I had a debt to pay from a former rental unit. I contacted them twice. On first communication I was told that I could no longer dispute the debt. I called again, and paid the debt. I was told that I would receive a receipt of payment no later than XXXX hours after the payment was cleared. I called again this Monday, XX/XX/2023 after not receiving a receipt. The representative said that the payment had cleared, and that I should expect an emailed receipt shortly. My last phone call, the agent was verbally violent, unnecessarily rough, and lied repeatedly about needing more identifying information. To add, I have yet to receive the receipt of payment. This collection agency is overtly unscrupulous and unethical. They should not be allowed to operate outside of the legal confines of debt collecting.

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 2019-02-20
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
An unauthorized Amex card was taken in my name XX/XX/XXXX and a balance of {$7100.00} was run up. I have notified Amex via certified service several times. The first letter sent out XX/XX/XXXX XXXX  Tracking XXXX signed for by, XXXX MAIL ROOM. The second letter on XX/XX/XXXX via XXXX tracking XXXX signed for by, XXXX FRONT DESK. In both cases, they failed to respond within the 30 day period of time required by law and was a Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). They were also put on notice of 15 USC 1692 et  seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. I further included a notarized copy of my Identity Theft Victims Complaint and Affidavit. As of today they have never responded nor acted to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Comerica
State: MA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
This happened on XX/XX/23 once for XXXX dollars, it also happened on XX/XX/23 for XXXX, XXXX, and XXXX several times when my credit card was charged from XXXX XXXX mobile. I tryed to reach out to XXXX but got nowere because im i dont know what these google charges were from. I do have a XXXX account that i use only to back up my photos i checked my XXXX account and i did not see any of these transactions in my account such as subscritions or play store purchases.When i looked up the merchant XXXX XXXX mobile i saw similar complaints about unautherized purchases, i tryed to contact them about the purchases and got nowere. I had contacted my bank write when i saw these purchases, i am always checking my balance because this is my income card for XXXX for my rent and other bills monthly. I had just recieved my first child survivor bennifit days before of XXXX dollars so i new that i had money on my card. I was watching a movie at my moms house that weekend because every weekend i spend at my moms with my son to do laundry.So we had watched the movie and i decided to order some doordash for dinner, tryed to place my order several times and my card would not go through. i was confused so i checked my bank card app and my balance was XXXX dollars and then i saw all the pending purchases from XXXX XXXX mobile.I immeditly called my bank card to disput these unknown charges that i did not authorize.the women on the phone was like oh my got there are so many charges. so i was sure they were going to help.They did not after about a week i got the paperwork saying the denied my disput.They said the transactions were not unauthorized that i must have made them. I was very upset at this point so called them back because they didnt even give me a option to apeal the decision, they told me to email them an apeal letter and i did. Never heard a thing back, so i called again they siad my case was closed and that i needed proof i was in jail or the hospital at the time, i was confused. I called legal services they said to try attorny general they said to try consumer finacial protection. I just want my money back i did not make those transactions. I dont think that the people on the phone at direct express were trying to help me.I have had to disput a transaction before and did not have a problem, i thought i had a right to my own money. ther were about XXXX transactions in all some were XXXX, XXXX, and XXXX all from XXXX XXXX mobile.I dont want this to happen again that was alot of money that was taken off my card and i want this resolved. it was my sons survivor bennifits i dont undrestand. I dont have any proof of anything because i dont even know what XXXX XXXX XXXX is. i Looked them up but i am still confused why i would drain my own account and leave me and my son broke for the rest of that month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-07
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-06-13
Company: EQUIFAX, INC.
State: HI
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:
Submitted disputes with XXXX, Equifax and XXXX : this issue has not been resolved. I have never opened a line of credit and a through investigation will prove that. There was an additional address and phone number listed on my credit report that I have never used and do not belong to me. Lines of credit were opened under my name and without my consent and my credit has suffered as a consequence. I am XXXX XXXX military and travel often, my social security number is listed on many military documents. It is for all these reasons that I have concluded that fraud has been committed through identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
In late XX/XX/2020 I opened a XXXX account and on my mobile device a XXXX XXXX. I did so and followed all instructions about the phrase they use to recover. Then just a few days later when I went to open the wallet, it prompted me to add 2 step authentication XXXX a program on my mobile device that gives me a new code each time I login, for safety purposes. When I performed that task, it gave me a recovery code. I have the screenshot and print out. It is a lengthy code of various numbers and letters. At the bottom of the page it states " you have now enabled 2 step verification for your account. Please note that if you lose this code and your password, you will permanently lose access to your account while 2 step verification is enabled. '' so during XXXX through XXXX I used the wallet app and opened on regular basis, depositing various currencies. I have record of deposits. Then one day it would not allow me to open, stating something on my phone had changed? So I went to the recovery code I printed and gathered my login and password only to find they now want the 12 word phrase used at the creation of the account. I have reached out to XXXX and got a standard reply while I was traveling. By the time I got back the inquiry had expired and I had to contact them again, they again stated I needed the 12 word phrase. I replied with the information I noted above and to date have not gotten a reply in any form. I had deposited almost {$10000.00} and that is worth more now. I did exactly what the program advised me to do. I saved the code it gave me, and I have the password and login for my account. This is a public company so was surprised by the lack of communication and assistance. It may be an accidental or innocent oversight on how they set up their program, but fact of the matter is I have done exactly as asked. Please let me know what if any information is required. I have the code and instructions saved and also printed. I have the deposits and dates also. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
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:
This is my second-time requesting 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 inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; EQUIFAX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my second-time requesting 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 inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation