BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please be advised that as of XX/XX/2023, as listed on my most recently reviewed consumer report, there are unverified accounts listed. I have received mail from various companies seeking to collect an alleged debt on behalf of another company. I have never heard of nor done any business affiliation with them. I've requested VALIDATION of debt but instead, I have received Verification of the debt. It has become increasing clear that they are being willfully negligent in rectifying my affairs. I have contacted them numerous of times the problem has not resolved. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
Here is what the law states about investigations : 623. ( b ) Duties of furnishers of information upon notice of dispute.

( 1 ) In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and which compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly : ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. 

As a reference, please see the below accounts in question that must be REMOVE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC 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 2020-06-05
Company: Mortgage Research Center, LLC
State: AR
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Veterans United started the loan process back in XXXX of 2020. Have gone through the process, and am due to close on the new and the house I am on the XXXX of XXXX. On XX/XX/XXXX they informed me they can not close the sell on the new house due to a well, and cistern being on the property. They have known for a month, and waited until a week before closing that they are killing the deal. Now I am rushing to find a lender who can close. The loan officer has been helpful, but the other people have faced me and my family with going without a home after next Friday.

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 2021-03-01
Company: DISCOVER BANK
State: AL
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. DISCOVER FINANCIAL SER Inquired on XX/XX/XXXX, XXXX/XXXX Inquired on XX/XX/XXXX, XXXX XXXX DUAL CARD Inquiry : XXXX XXXX, XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-07-27
Company: EQUIFAX, INC.
State: AL
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 have several charge off accounts that I did not authorize to be reporting in my consumer reports. The businesses have reported my account to the IRS as a loss but I have not received copy B of 1099 c resulting in me having discrepancies on my taxes. They are also reporting a balance still due when the IRS has paid it off. They are also still harassing me for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2021-03-10
Company: CITIBANK, N.A.
State: HI
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:
To Whom It May Concern, My Citi bank card was charged, not by me 4 times in one day. I contacted the company and filed a fraud case.

I am now being told the issue is resolved however I am still receiving emails about payment due date alerts.

Before the fraudulent charges, the card had a {$0.00} balance.

I asked the company to send me a verification on the resolved fraud case.

I was told 2 email verifications have been sent to my email with details.

I haven't received any emails. I was told by customer service of the resolution which had occurred XX/XX/21. No one from Citi bank informed me. I continue to receive payment alerts. 

The protection on my account initially was weak and the fraud steps are also weak. 
I'd like to complain in the hope this doesn't happen again or to any other consumer. 

Thank you, 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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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: Problem with personal statement of dispute

Complaint:
I never received a 30 day opt out notice per 12 CFR 1016.7. Nor was I given reasonable opportunity to opt out per 12 CFR 1022.24. Per 15 USC 1681a ( 2 ) ( A ) ( 1 ) reporting transaction history is ILLEGAL. 15 USC 1682b ( c ) ( 2 ) states written instructions of the consumer are needed. Provide me with the written instructions given that gave permission to use my information. 15 USC 1681c states no derogatory remarks besides convictions of crimes shall be reported. 12 CFR 1022.3 defines IDENTITY THEFT as a fraud committed or attempted using the identifying information of another person without authority. 15 USC 1681n explains civil liability for willful non compliance which per my first complaint, has not been followed. ( B ) details the monetary penalties at {$1000.00} per violation with and damages included as I have been denied credit. 15 USC 1681o is civil liability for non compliance. Next reports are going to the FTC, CID, FBI for non compliance, unauthorized use of non public personal information, and miss-use of said information. I also want a copy of my complete credit file not an E-oscar 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 2023-10-18
Company: Experian Information Solutions Inc.
State: GA
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 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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 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 2023-10-30
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
MOHELA received my outstanding loans from XXXX as I have submitted qualifying payments for XXXX XXXX student loan forgiveness. To date, I have not received any billing statement from MOHELA for payments due in XX/XX/2023. It does appear that MOHELA is processing my payment for this month, but it is doing so without having providing me with any bill. MOHELA is required to provide a bill, and to provide that bill in advance of payment. I am concerned this will cause problems in the future for accounting for qualifying payments under XXXX XXXX student loan forgiveness. 

Ive attached a screen capture of my MOHELA accounts My Messages screen, which shows all correspondence for the last 12 months. The only document shown is an acknowledgment that my XX/XX/2023 payment is set for auto debit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: EQUIFAX, INC.
State: PA
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:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXXBalance : {$5400.00} - Date Opened : XX/XX/XXXX DPT ED/XXXXXXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXXXXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX-Balance : {$550.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I have a check written out to me for {$6000.00} that is from Chase Bank. It is a third party check, as a payment from a customer. Chase bank in XXXX Ca XXXX and XXXX Ca XXXX both refuse to cash the check because I don't have an account with them. I showed two forms of ID, and the writer of the check was willing to verify her information and the information on the check. The check was written yesterday and the money is in the cleints account. Its Their check and the money is in my clients accout. They are witholding the money from me. They cant even back up their own check, so the check is basically garbage then. What type of bank doesnt cover their own checks!? Thats what they're there for

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: JPMORGAN CHASE & CO.
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:
Chase Bank will not refund fraudulent transactions of unauthorized use of my debit card in another state saying the physical card and PIN were used. 

Fraudulent Transactions included : - Card Transaction, XXXX XXXX, XXXX CO XXXX XXXX - {$2600.00} - Card Transaction, XXXX XXXX, XXXX CO XXXX XXXX XXXX {$2600.00} - XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 - {$480.00} Total charges amount to {$5600.00} The transactions took place in XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Florida XXXX when I was in  XXXX XXXX, CA XXXX at work with my debit card in my presence.

Chase initially refunded the amount when the claim was filed on XX/XX/2023. But later reversed the credit and took back the amount when their investigation inaccurately concluded that the physical card and PIN were used and are calling it a legitimate transaction ( XX/XX/XXXX and XXXX, XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Aargon Agency, Inc.
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX was claims of debt owed ; however, no mention of interest that should be accruing to the balance owed. original creditor overpaid time without notification when no claims were requested for the time paid.

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 2019-01-23
Company: Colony Brands, 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: Their investigation did not fix an error on your report

Complaint:
This company continues to report 2 unauthorized accounts on my credit report. Ive even tried to pay this debt that isnt even mine however, the company says they do not even own it anymore. The debt was apparently sold to a collection agency. The major issue with this is # 1. The collection agency is no longer in business # 2. Why is the original creditor still reporting a balance on an account they no longer own. The original creditor will not deal with me since they sold the debt. So they expect me to deal with a phantom collection agency. This is becoming ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have had this credit card for over 2 years now. It was originally a {$200.00} secure credit card. Citibank sent me back my {$200.00} after 6 mths, but In over 2 years they still refuse to increase my credit line with ZERO MISSED PAYMENTS AND never exceeded my credit line an ANND I have multiple accts with Shell and Home Depot that Citibank is contracted with but can not get credit line increase with Citibank card itself with credit rating of 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 2018-03-06
Company: JPMORGAN CHASE & CO.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I contacted someone via XXXX on Tuesday, XX/XX/XXXX, who claimed to be selling two XXXX XXXX XXXX wristbands for {$120.00} each. Their phone number was on the posting so I texted this person. They told me they were out of state and I asked if they could mail one of the wristbands to me. They responded, " Yeah! I work for XXXX, I can just overnight it? Have it there like Wednesday or even tomorrow '' and I responded that was okay. I asked if XXXX was okay but they suggested Chase Quickpay after I responded that I have a Chase bank account. I checked Quickpay 's buyer They gave me his email to send the money. I asked for a picture of the wristbands with the packaging for verification and they sent me a photo of 2 wristbands on top of the XXXX packaging. I sent the money and since then have sent three additional texts and called them twice and of course have not heard back from the fraudulent seller. 

Today, Wednesday XX/XX/XXXX, I called Chase customer service to see if they would reverse my payment to the scammer. They told me there was nothing they could do since the payment was already labeled as " funded '' and that I should " ask the recipient to send my money back ''. Obviously this is impossible. Chase has been of no help and I can't believe they don't help their customers who have been the victim of a scam involving their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: CITIBANK, N.A.
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX DSNB MACYS XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 2018-03-06
Company: Experian Information Solutions 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:
I have reason to believe that my XXXX year old son has had his Social Security Number compromised. I am getting five to ten phone calls a day for him to help fix his credit, pay his bills, people claiming to be the IRS, etc. I also started receiving credit card approvals in the mail, and credit applications for him. I am filing a police report, and also will be contacting all three credit bureau 's, and the Federal Trade Commission.

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