BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-23
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Crown assett management llc XXXX XXXX XXXX XXXX XXXX XXXX and XXXX   were notified by the State of Michigan on XX/XX/XXXX that they would be receiving XXXX for a debt of XXXX that they have no right to collect in the first place. That leaves a balance of XXXX dollars. However my paycheck was garnished on XX/XX/XXXX for an additiinal XXXX dollars stating a balance of XXXX dollars is due. Why?

Crown Asset received the XXXX dollars along with a possible XXXX dollars on XX/XX/2018 which is a total of XXXX dollars. At this point with more to come.

I have never signed a contract with Crown Assett management, I dont owe them anything. Yet the garnishment is still on my pay check as of today to continue. I called Crown Assett mgt on XX/XX/XXXX and XX/XX/2018. The answer I got is " it is a process ''. No one can tell me how long. In the meantime I have XXXX  children to feed, while Crown Assett was already notified of the XXXX  dollars they were GUARANTEED on XX/XX/XXXX. Crown Assett garnishes my paycheck for an amount that they are not owed. Why is my check garnished and will continue to be garnished when you took my state taxes already. This is an overpayment, unfair, and abusive. Crown asset knowingly took an overpayment after already getting XXXX  dollars. They should have only taken XXXX dollars at the most. Why is Crown Assett this incompetent to a simple calculation as of XX/XX/2018. Why is this company allowed to garnish a consumer twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
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: Their investigation did not fix an error on your report

Complaint:
Ive disputed these accounts to Experian, XXXX XXXX XXXX I have definitely been a Victim of Identity Theft and these accounts Ive reported they keep saying its mine they dont belong to me and sure dont belong on my credit report.

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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX  XXXX is my mortgage company. My monthly payment was set up from my XXXX Checking account in the amount of {$2900.00} on the first of every month. 

XXXX conducted an escrow analysis in XX/XX/2023. XXXX XXXX XXXX had adjusted the property tax rate which changed my mortgage, and XXXX determined I owed an additional {$37.00} a month, changing my mortgage to {$2900.00}. 

I wasn't effectively made aware of the change. The {$2900.00} autopay was deducted from my acct in XX/XX/2023 and not returned. So the {$2900.00} was in the possession of XXXX XXXX, minus the {$37.00} to make my account current. And there was nothing to alert me that I owed them the difference. 

This same scenario happened in the month of XXXX while I was on travel. I reviewed my mortgage statement online and saw that I owed them the difference of {$37.00}, and paid them from my XXXX checking acct to make the acct current, and then adjusted my XXXX Banking autopay to reflect the {$2900.00} as the new payment going into XX/XX/2023. 

They failed to give me credit for that adjustment in XX/XX/2023, and held my account in suspense and then forwarded a written letter to me that I didn't recieve until XX/XX/XXXX when I returned home from travel. 

My comprehensive review of my mortgage payment history never reflected a late payment, and there are accounting errors that don't add up between the .pdf statements and the .pdf summary. 

in XX/XX/2023, without any warning or attempt to recover the {$78.00} I owed to make the acct current, they reported my to the credit bureau. My XXXX XXXX XXXX was reduced to a mid XXXX score effecting my life, my businesses, and my ability to take care of my family. 

Further confusing the situation. My amended XX/XX/2023 payment shows me owing XXXX {$180.00}, which isn't accurate. I will {$2900.00} on XX/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 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

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 2023-09-11
Company: Experian Information Solutions 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 respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.

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 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

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 2020-04-12
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I'm disputing Equifax for not correcting mistakes and not correcting Fraud mistakes on my credit report incorrect debt on all of my credit cards. And all of my Equiax hard inquiries are fraud from XXXX  XXXX XXXX too XX/XX/XXXX I have been disputing over and over and over again with Equifax and never get anywhere and no results taking care of. XXXX  XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, are all Fraud made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX , LA . XXXX. XXXX. Done by a car-salesman named XXXX, XXXX. XXXX XX/XX/XXXX. XXXX  XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. Are all Fraud made by XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX LA, XXXX. XXXX. Iv'e told Equifax over and over and Iv'e disputed over and over again with Equifax and they have not fixed the matter.! They have my age of credit history wrong.! They have my Credit card use wrong.! I'm talking with the Attorney General Office in XXXX XXXX LA because I can't get the help and results that I'm looking for..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : 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 non-monetary relief
Consumer complaint received 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 BEGGING TO REMOVE AND BLOCK THIS AS I HAVE CONSISTENTLY REQUESTED THIS FOR SEVERAL MONTHS AND ASKING FOR THIS TO BE UPDATED.IT 'S REALLY FRUSTRATING NOTHING 'S HAPPENING FROM WHAT I DISPUTED SINCE THEN

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE!

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 2020-04-13
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit 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:
To Whom it May Concern : I was charged {$52.00} on XX/XX/2020 by Macys, to my Macy 's credit card for an in store purchase. That purchase was made by an individual who has stolen my personal information and was/is using it to make multiple other purchases ( car ( s ), musical equipment, applying for an apartment, etc ). 

On XX/XX/2020 Macy 's provided a confirmation statement that they were reviewing my submitted dispute, and that their investigation could take 45-60 days to complete. This document also advised that I not pay any charges related to the disputed items purchased ( {$52.00} ). 

On XX/XX/2020 I was charged a {$27.00} late fee and on XX/XX/2020 I was charged a {$2.00} interest fee. Again, on XX/XX/2020 I was charged a late fee, this time of {$38.00}. On XX/XX/2020, I was charged an interest fee of {$2.00}. 

Presently, my Macy 's account shows that I have a balance of {$120.00}, and that will increase when I do not make an XXXX payment. On XX/XX/2020, Macy 's was officially outside of the 60 days window they had provided for completing their investigation. 

I submitted a second dispute to Macy 's and received an identical notice that they were working to resolve the issue, this time dated on XX/XX/2020. Since that time, I have called their customer service line several times, only to be told on each occasion that there were/are no agents available to provide an update on my case. I have also received multiple phone calls from Macys ' banking partners seeking collection from me for the balance, which I am not liable for. 

Because of this ( and corresponding actions made by the individual who stole my private information ), my credit rating has suffered significantly, preventing me from being an active creditor in the marketplace. I have not been able to purchase a car when necessary, and I have not been able to move forward with purchasing a home while moving jobs, cities, and states. I have been given no update on when Macy 's will be able to resolve the issue, and because of that, can not make responsible plans for the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my 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 2023-08-15
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:
THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

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 2022-09-20
Company: Chime Financial Inc
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
4 weeks ago I changed phones and downloaded the chime app to my new phone I logged into my account and noticed I could see any of my information so upon further instructions I called the number they provided for help they closed my account with money in my account I emailed their support staff and sent them many documents some they didnt even ask for and the emails have gone back and forth for 4 weeks now every day they ask for something and I provide it and still my account is closed I dont know what else to do about this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: U.S. BANCORP
State: MN
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/2020, I used a US Bank ATM machine to deposit {$500.00} in cash, all in twenty dollar bills. The location was the US Bank ATM at XXXX XXXX XXXX  XXXX, XXXX, MN XXXX. I used my US Bank issued VISA branded debit card to make the deposit. I loaded the bills in groups of five, and the machine counted up to {$400.00}, then I inserted the last five {$20.00} bills. The machine then made a different sound, and I could tell it wasn't counting the bills like the ones I had just inserted. Then the machine made beeping sounds, then other sounds in the back of the machine. The screen went black, then the screen said something about an error with a cable in the back. The screen went black again, then restarted, then said that the machine was out of service. I called my husband in from the car where he was waiting outside, and told him what happened. The machine had not returned by debit card, so I pushed cancel, enter, and all the buttons until the machine finally spit the card out. I never got any kind of receipt, and the bills were all inside the machine. I called the XXXX XXXX consumer number right then at XXXXXXXX XXXX and told them what happened. They took all the information, entered a claim for me, and told me not to worry, they would get the money back. We didn't get anything in the mail, or by email, or any notice in our online banking accounts. 
Five days later on XX/XX/2020, I called again, talked to XXXX who gave me our claim number. She said it can take up to ten business days to process. After not hearing anything again, I called again on XX/XX/2020, talked to XXXX, who said the claim was denied, but could give no reason why. On XX/XX/XXXX, we received the claim denial letter that said that no error occurred with our transaction, so they have denied the claim. We then contacted our local personal banker at US Bank and left a message about what happened and that we would like to meet with her. We have since left her another two messages to arrange a meeting, but she has not returned our calls. We have been customers of US Bank for over 40 years, have never written bad checks, have never been in any kind of default or claim with them prior to this, and have numerous deposit accounts with them. We feel like we have been robbed by our own bank. We don't gamble, and never expected that using their ATM machine could be like gambling!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2022 I filed a dispute with all three bureaus : Experian, XXXX XXXX and XXXX involving a Parent Plus Loan for {$1600.00} with XXXX for XXXX XXXX that was fraudulent. All bureaus responded back that the merchant validated the dispute by verifying my name and address solely, which is not a thorough investigation of any kind especially considering that with fraud that information is already knowledgeable to the person or body committing this offense. At no point did they cease the reporting of the erroneous information until a thorough investigation was completed mainly due to the fact that they failed to conduct a proper investigation. I provided all bureaus with tangible proof and information, and they still failed to investigate what was being reporting to them as well as refuse to remove the negative marking as well.

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