BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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 response to consumer: In progress
Consumer complaint received 2022-03-22
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:
This complaint is about the unverified negative accounts and identity theft cases placed in my credit report. Please help me look into this because the bureaus wont act on them despite the numerous times that i have written them. Please see attached files for these accounts.

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 2018-02-14
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
This is a rebuttal to the previous complaint. 

There must be a mis-understanding. 

It was me and no third party that had these companies removed. 

Your response has nothing to do with my complaint and your response is a example of what i am talking about. 

The reason why you no longer see the companies during your investigation is because I challenged the debt and they was unable to prove debt so they was removed. 

Your company should be held liable for accepting invalidated reports. 

I have all the documents I used to have the debt Collectors removed from my credit report and are available upon request. 

Companies that i have removed myself from credit reporting agency. 
1 ) XXXX XXXX court 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX 6 ) XXXX XXXX XXXX 7 )  XXXX XXXX XXXX XXXX 8 ) XXXX XXXX XXXX XXXX XXXX XXXX 
9 ) XXXX and XXXX XXXX, XXXX. 
10 ) XXXX XXXX XXXX XXXX 11 ) 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 2023-01-19
Company: Branch Messenger, Inc.
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or about XX/XX/2023, I discovered numerous unauthorized transactions totalling approximately {$3800.00} charged to my Branchapp card ; which is apparently administered by XXXX XXXX. I immediately called Branch Customer Support to start the dispute process. As of XX/XX/2023, I have not received provisional credit of the the disputed amount, nor have I received any correspondence from Branch, regarding receipt, processing or status of the dispute. Multiple calls to branch customer service have resulted in any up dates. Multiple customer service representatives have stated that once a dispute is received, there is nothing than they can do. Each and every representative has stated that there is no way to contact the dispute team directly. Today, XX/XX/2023, I was finally able to contact a different department who informed me that the dispute wasn't initiated until XX/XX/2023, and they have 10 days to respond from that date. This is clearly redating of when the dispute was initiated, and a flagrant disregard of Regulation E.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Insurance paid A portion of the bill. XXXX  came in and paid a portion of the bill I was still left with {$8000.00}. I asked for a settlement and they told me they couldnt give me a settlement so Ive been paying {$530.00} a month so my credit wont be affected

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Fifth Third has refused to close our XXXX account for our son and now is hanging up when we call to close our personal checking. 
We have moved XXXX hours away from the nearest branch and XXXX from our home branch. We are not driving XXXX hours to close an account. 
Close the accounts!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I am writing to dispute the continue mortgage fraud that United wholesale mortgage has been creating against for over one year ; over a period of one year United wholesale has violated our mortgage agreement despite repeated requests, United wholesale mortgage continue to create serious issues against us that are creating economical stress, XXXX  XXXX  and XXXX, and also affecting our credit score and history. 

As you can see here in our previous claim history, this has been a personal perpetuated attack and violations to our rights. We are disputing the amount that UWM claims is owed according to the monthly mortgage statement, and disputing all late fees that we dont owe. As a result of the failure of UWM to honor the XXXX XXXX XXXX approved on XX/XX/XXXX We have spoken with different executive team members and customer service about setting a XXXX XXXX XXXX  On XX/XX/XXXX we received a letter about approval of the XXXX XXXX XXXX and an email confirmation of approval on XX/XX/XXXX ( SEE ATTACHMENT ) which includes : Your total monthly payment of {$1100.00} is due on XX/XX/2023. 
The day of XX/XX/XXXX we received a notification about being default consists of your failure to pay the monthly mortgage payments due beginning XX/XX/2023, until the present. The total amount due to cure the loan may also include sums for unpaid escrow deposits and late charges. The total amount due as of the date of this letter is {$8100.00}. 
We immediately contacted executive team members and customer service the following dates and several times : XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( please see attached ) Every time I had to narrate the whole story and on the last call on XX/XX/XXXX, I was reassured that my account will be updated accordingly. 
As of today XX/XX/2023, my mortgage account has not been updated according to the XXXX XXXX XXXX and shows past due amount since XX/XX/2023, because of the failure and lack of responsiveness of UNITED WHOLESALE MORTAGE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2019 I sent {$15000.00} wire Transfer to XXXX as part of a purchase of commercial property in XXXX. Navy Federal is my Bank here. The Money was immediately returned because the  XXXX Authorities needed additional information regarding the person receiving the money. Navy Federal sent the money again XX/XX/2019. However this time I needed to send {$15000.00} because of their delay the first time. To-date, the Money has not  arrived in XXXX and Navy Federal can not tell me where my money is or when it will be returned to me. They have completely breached their fiduciary duty and handled this situation in a negligent and irresponsible manner. Navy Federal claims that they made the wire transfer using XXXX XXXX XXXX. I just know Navy Federal was responsible to handle my money in a responsible manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I was sent a mail letter to my house address in XX/XX/XXXX  of a new credit Card that was opened. I have never applied for a credit card for this company ( citizens banking ) nor have I ever opened any accounts at all with this company. Ive also received suspicious email on XX/XX/XXXX  about a phone number being changed on the account. I reported the problem to the company on XX/XX/XXXX  and they verified it was reported fraud. Theyve notice that there was a savings account opened along with a credit card that has been recently applied for. I need this account to be completely removed and reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: AES/PHEAA
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: Account status incorrect

Complaint:
Im a 100 % disabled veteran and I applied to have my student loans forgiven. The process took sometime and I continued to pay my loans on time as always. When the forgiveness was granted they backed dated it to when I was granted my disability and returned payments to me. When this happened the credit bureaus updated my payments as more than 120 days late. I contacted fed loan servicing and they advised me in there system they dont show me as delinquent or late instead they show me as paid and closed. I disputed this issue with the bureaus and it hasnt been fixed. Its disrupting my great credit and payment history and I have already been denied a few occasions with the reason being serious delinquency. Please fix these as soon as possible it is really affecting my life and wellbeing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14
Company: Entrata Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good morning, My complaint is in reference to a debt I owed to the company " XXXX XXXX at XXXX XXXX '' apartments. On XX/XX/XXXX, I received a civil warrant from the XXXX XXXX XXXX XXXX. The amount owed was a total of {$2100.00}. The original debt was taken over by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was summoned to court on XX/XX/XXXX. 

I decided to pay the debt in full once I was able to gather the funds and paid the full amount of {$2100.00} ( the amount that was listed on the civil suit ) on XX/XX/XXXX. Upon checking my credit history via XXXX XXXX, I noticed that my collection is still open with XXXX XXXX XXXX XXXX XXXX XXXXXXXX and I've been charged an additional {$270.00}. 

I would like to get this removed and my credit report updated with the collection being paid in full. They've been a pain to deal with. They even sent a debt validation letter with some sort of substance inside that attracted hundreds of ants. The photo I'm attaching is absolutely disgusting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: Account Control Technology, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am constantly contacted about another person with my name. This has went on for several years. She has a different birth date and social security number. The creditors ask me if I know that person or how to contact them. They call my family, etc. They are disbelieving when I tell them I am not that person. I have to give them my birth date and last 4 of my social to get the calls to stop. The latest call was from XXXX XXXX XXXX. ( XXXX ) XXXX. They are usually about student loan debt. Is there a way to stop these calls? They will stop for a while, then start back up again in waves by different companies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: NC
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 sent a certified letter to XXXX XXXX XXXX to formally dispute an alleged debt that appeared on my credit report dated XX/XX/. In the letter I requested a copy of the original purchase agreement to verify that they are the proper owner of the alleged debt. XXXX did not respond with this contract, only a bill from the original creditor. Additionally, the alleged account does not appear on my XXXX XXXX credit report and had different reported information on the Experian and XXXX reports. I sent certified letters to both Experian and XXXX to request this account be removed under the Fair Credit Reporting Act to provide accurate information on XXXX Both credit agencies responded that the information was verified even though I provided clear documentation of the errors and inaccuracies between all three credit agencies. Further, the original creditor charged off the alleged debt which in turn is accounted to me as earned income and is no longer considered debt according to the General Rules for form 1099-C of the IRS Code .

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 2023-11-23
Company: Experian Information Solutions Inc.
State: CA
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:
I applied with my Mortgage Company on XX/XX/23, XXXX XXXX, to inquire about an equity loan on my existing mortgage. I was notified that a normal process is to create a Soft credit report with XXXX XXXX. I gave me permission, and I asked that this would not effect on my credit score, and the agent said, not when it is with your lender. I am going through the paper work to apply for line of credit on my mortgage. I WAS OUTRAGED when the next morning and all day today I keep getting phone calls and emails from over 100 lenders trying to to interfere with my decision to get a line of credit with my existing loan with XXXX XXXX. I contact my agent at XXXX XXXX to complain furiously at him and XXXX XXXX, because I thought they were responsible for releasing my phone number and email to the public. I almost did not go through with the loan, just because of this. My agent assured me that he and XXXX XXXX feel the same way as I do, THIS SHOULD NEVER HAPPEN WITHOUT MY PERMISSION!!!! He went on to say that the Credit Bureau ( 's ) releases this information to other public lending competitors. This is an unethical practice and extremely annoying ; to have to screen over 100 calls, block the calls, and get 100 more in less than 24 hrs. There needs to be policy put in place to prevent Credit Breau 's from distributing your phone number and email without your permission. I need the proper agency to take immediate action to STOP THIS!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: CITIBANK, N.A.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I placed two disputes via XXXX on behalf of Home Depot stating that the information is incorrect for late dates and reporting on a closed account. The company kept putting charged off ( CO ) on my credit report for the year XXXX, along with inaccurate late payment dates when my account was closed in XXXX. When I disputed the account, the company put " closed as of XX/XX/XXXX blatantly ignoring my dispute. I called XXXX and spoke with a representative, and they did the second dispute over the phone. On XX/XX/XXXX, the results came back worse bringing my score down by XXXX points. The company put the account, " charged {$2600.00} written off. {$2600.00} past due as of XX/XX/XXXX ''. The amount reported like it is an open account and that I have a current due balance. This account was closed in XXXX there should not be any reporting to this account for any time after. The company keeps updating as if the account is open.

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 2023-01-19
Company: Professional Finance Company, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022, I emailed Professional Finance Company a receipt from the provider Preferred Imaging showing I have a XXXX balance. Then I called Professional Finance Company to verify the email was received, which they confirmed. I disputed the account with all three credit reporting agencys, and Professional Finance is still reporting that I have a balance. I called today and was told the date of service doesnt match the date XXXX XXXX is reporting to them. I only visit XXXX XXXX once on XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I received my reinvestigation back from XXXX. They said everything is accurate and complete. I would like to receive the description according to 15 USC 168i ( 7 ). 

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is not 100 % accurate. 

Account : XXXX XXXX  XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 168i ( 5 ) ( A ) ( i ). 

I attached my consumer report as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Credit Card : XXXX XXXX Issuer : JP Morgan Chase Bank XXXX : Annual Fee ( Misleading Marketing ) At the end of XXXX, 2023 I was approved for the XXXX XXXX credit card with an annual fee of {$520.00}. On XX/XX/2023 I was charged the annual fee. I contacted Chase and they stated that because the " Pricing & Terms '' does not state annual fee waived, the consumer must assume that the annual fee is due immediately after opening the account. 

Complaint : this is deceptive and misleading marketing practice. The bank should not leave it up to the consumer to interpret their generic and vague language in the terms of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX is reporting on my credit under a collection agency XXXX. I have never had XXXX XXXX  and this needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
A debt collector called " XXXX XXXX '' has placed a debt on my Transunion report for {$670.00} that is not mine, The originator of this debt was XXXX XXXX XXXX XXXX XXXX I have never had any dealings with this organization. Seemingly this nonsense just keeps happening. There is a person in the XXXX XXXX area who uses my exact name. This may be another debt incurred by this individual. I am sick and tired of this nonsense.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been receiving fees on my checking account when Ive been having money deposited for payroll. I dont understand why they keep doing that.

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