BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : MEDICAL XXXX UTILITY SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage loan was with XXXX XXXX when I fell behind on some mortgage payments in XXXX of XXXX. I reached out to XXXX XXXX regarding modification. We started the modification process, and I was waiting for the decision. In the process of the modification, the loan was sold to Shellpoint mortgage in XX/XX/XXXX, I received a letter explaining my loan was transferred, but I didn't receive anything from XXXX XXXX. I reached out to Shellpoint regarding the status of my modification because I was assured that they will pick up where XXXX XXXX left off. A few days letter I receive a letter that my house is going to be foreclosed on in 45 days or I can short sale. I immediately called Shellpoint and spoke to someone explaining to them that was the first I heard of anything especially a decision. Shellpoint agreed to start the process over, and I started making forbearance payments in XXXX of XXXX from that moment on until the day I sold the house on XX/XX/XXXX, I have made on-time payments. After the modification, the amount had changed, but my credit report was not reflecting the change, so I disputed the amount. After I disputed the amount Shellpoint added to my credit report that I was late XX/XX/XXXX for 150 days which is an absolute lie. I was late with XXXX XXXX but never Shellpoint. I also was going through a modification and should not have been late while going through the process. I have disputed several times and has spoken to them about it. They have damaged my credit with reporting the late payments. I lost the loan on my new house because of what they have done. I'm asking them to please change that although I have sold the house. I have worked hard to get my credit right to do this for my family, and a company that should honest and have integrity would intentionally do that to harm someone chances of having a better future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: IL
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:
Identity theft!!! Proper documentation was sent to ( XXXX, XXXX, Experian ) about these fraudulent accounts and transactions made over a year and a half ago. PoliceReports of identity theft, Identity theft affidavit, complaints of fraud and identity theft through cfpb, fcra, XXXX.These accounts are still reporting after validated documents was sent to all involved institutions. I would like information of how I go about starting an class action lawsuit against these deceptive practices from these credit agencies.

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 2023-12-05
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
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 being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and 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 2017-04-06
Company: United Student Aid (USA) Funds
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I have time periods on my credit report where this student loan is being reported as late. I 've never been late on payments and recently paid it off. When I was not actively making payments, I was in deferment. I contac ted USA Funds to resolve the issue and have yet to receive resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: NY
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:
AS XX/XX/XXXX I HAVE NOTICE FRAUDULENT INQUIRES IT IS NOW XX/XX/XXXX THE 3 CREDIT BUREAS AND THE COMPANIES LOSTED BELOW TOOK MORE THAN 45 days to respond according to the " FAIR CARES ACT '' ALL COMPANIES INVOLVED ARE NOW VIOLATING THE LAW! 
REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY BEFORE I HAVE TO MAKE LAW SUIT!!!! 

Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type All Banks Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX Phone number By mail only ( tel : MAIL % XXXX ) XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX & XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX ( XXXX ) XXXX  XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX & XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX ( XXXX ) CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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 is missing that should be on the report

Complaint:
This inaccurate and inconsistent information has been a problem for me for several years. I have previously made complaints in the past, but nothing has changed. Except for XXXX, XXXX and TRANSUNION credit history information has remained inconsistent for several years. My XXXX and TRANSUNION credit history should be consistent with my correct XXXX credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: FIRST NATIONAL BANK OF OMAHA
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX I opened a deposit account at XXXX XXXX XXXX for a year that was due to end in XX/XX/XXXX. Since then, the bank has not given me my money. They say I have to wait for the XXXX XXXX XXXX XXXX, Nebraska, to authorize the money they owe me. I go to the bank every day to ask what happened and they tell me I have to wait. They keep giving me false dates as they've told me I should get my money in 2 weeks multiple times and nothing has been sent. They have been telling me the same thing for months now. They have now persisted in replying to me for months now.

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 2023-12-05
Company: Experian Information Solutions Inc.
State: MO
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Recently, I did an investigation on my credit report which caused XXXX XXXX  upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I relocated my Business to XXXX Texas, XX/XX/XXXX and updated Wells Fargo Bank with the new information. XX/XX/XXXX, I had a payment for {$630.00} due to Wells Fargo Bank for our XXXX XXXX Card we have had on Auto Pay since XXXX. XX/XX/XXXX Governor XXXX Declared a State Of Emergency/Disaster and extended it on XX/XX/XXXX due to the Snow and Ice storm that hit the state of Texas. I was unable to make the payment because all of the Wells Fargo Branches were closed and I was stuck in the XXXX Texas Snow/Ice storm. I lived in my vehicle for about 7 days trying to keep warm as I had no power for a week and no running water for 3 weeks - I did not have food for 3 days as I was trapped in my apartment. I contacted Wells Fargo and notified them that I would not be making the payment and even updated my mailing address. Wells Fargo Bank representative verified the address change and stated that they understood the issues I was having going into the bank and that I could not make the payment. Wells Fargo Bank representative contacted me on XX/XX/XXXX with a Identity Theft case number XXXX that pertains to a Wells Fargo Employee XXXX XXXX XXXX XXXX XXXX who closed this same account XXXX of XXXX in less than 30 days due to a bank error and our autopay since XXXX and we have had this account since XXXX. We have removed the Auto Pay due to the Identity Theft/Fraud acts of the Wells Fargo Employee and I wanted to protect my new bank account number and go into the branch and make the payment. Wells Fargo Bank shut down my credit card on XX/XX/XXXX while we were still under the extended State of Emergency/Disaster order in the State of Texas. I also received my new credit card for this account in XXXX Texas location and it was opened by someone within wells Fargo Bank and there was a white label with my XXXX Texas address placed by hand over my XXXX  residence and then reglued in the same envelope ( this now exposed my new credit card ) and mailed it to my XXXX Texas address. This card needed to arrive before XX/XX/XXXX because my old card expired in XX/XX/XXXX. I also made a {$2000.00} payment in XXXX of XXXX, XXXX I made a {$4000.00} payment and on XX/XX/XXXX, I made a {$1800.00} payment ( which included the XXXX, XXXX and XX/XX/XXXX payment ) in the branch. I made the XX/XX/XXXX payment early that was due XX/XX/XXXX and Wells Fargo Bank still has not reopened the account. They are continuing to harass me and violate my civil rights to have the protection under the Governor of Texas State of Disaster order. I want my card reopened immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am attaching proof from my last dispute that Information on my consumer report is inconsistent. Please remove these account since the information on the accounts is not valid or consistently reflecting from the other credit bureaus.

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 2023-12-05
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: Reporting company used your report improperly

Complaint:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to XXXX2 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX  XXXX {$780.00}

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 non-monetary relief
Consumer complaint received 2023-10-11
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I am writing to raise a formal complaint against Chase bank for failing to deliver on a credit card promotional sign up bonus. I have attempted to contact Chase on multiple occasions and raised tickets with them ( XXXX and XXXX ) but was denied in both cases. I am requesting assistance with receiving the XXXX points that Chase owes me for their Southwest Rapid Rewards Plus Credit Card promotional offer of XXXX points. My account was opened on XX/XX/XXXX and I first attempted to reach out to Chase on XX/XX/XXXX to check on my progress towards the spending goal as I had not received the XXXX points by then. 

When I signed up for my Southwest Airlines Chase VisXXXX Credit card I did so with the idea I would be receiving XXXX points after exceeding a spending threshold shortly after opening the account. The promotional offer can still be viewed on the Chase website at multiple locations such as https :XX/XX/XXXX and https : XXXX? XXXX. Both locations indicate a sign up bonus of XXXX points after spending XXXX on purchases in the first 3 months of opening the account. After reaching the spending limit I only received XXXX points. Noting this as an issue I contacted Chase cardholder services and requested the remaining XXXX points I signed up for. Each rep that I spoke to said that they did not see the promotion in their system and would have to escalate my request to the marketing team. After waiting for several weeks, I received letters from the marketing team at Chase stating the promotion I am referring to isnt valid and that I would not be receiving the points I earned by signing up and reaching the spending threshold. 

I have wasted multiple hours on the phone with support attempting to resolve this issue as well as drafting letters to the Chase executive office for further review. I am at a loss and unsure what to do at this point. Is there anything you can do to assist?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
On XX/XX/2021 I asked to have a wire transfer made to a vendor in XXXX from my personal Suntrust Account. I not only paid the international wire fee, but the fee the receiving bank would also require. However, by the XXXX, the funds had not been received so I went into the branch located in XXXX XXXX, Florida ( XXXX XXXX ). 
The amount that debited my account was {$50.00} for the transaction and {$4600.00}. However, when the funds came back, the amount was for {$4100.00}. When I asked why, no one at the branch could answer me. I asked the XXXX and he promised to give me a break down, but has not sent it nor has answered my calls. The customer service lines do not pick up ( I have waited for more than XXXX minutes ). The branch does not answer. I do not know what else do to. I want to know why I did not receive the full return of the funds if the wore never was funded.

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 2020-06-06
Company: PNC Bank N.A.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Can not connect my bank account to a third party savings app that I have been using with no problems for six months. Now getting a notice that PNC prevents me from being able to link accounts to third party apps. Will be closing my account and moving to a credit union now that I can not send or save money through third party applications.

Company response to consumer: Closed with explanation