BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have a XXXX credit builder account that is a prepaid card. I have to place money on the account before I can spend said money. The money I place is supposed to act as my credit limit and I am unable to spend more then I have placed. XXXX reported in XX/XX/2021 to transunion that I owe {$180.00} which is impossible due to the fact that if I try to spend more than I have already paid it will decline. After disputing with them and the credit bureau several times I moved all of the money I had left on the card to my other account with them and have not used this card since. They say they report monthly but never updated in XXXX and are still telling me the balance showing on my credit report is correct even though I have been at XXXX since the beginning of XXXX. Due to how they are reporting this, it is negatively affecting my credit score despite the fact that they advertise their card will increase your score exponentially. I would like my credit report updated to reflect the correct balance of XXXX and their practices reviewed for how they report PREPAID cards.

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 2023-05-14
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax, XXXX, XXXX Showing negative accounts on my credit report that are not in the negative please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: NV
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've notified XXXX, Equifax, and XXXX via written notice in accordance with 15 U.S.C. 1681 b 2 to remove all the fraudulent inquiries from my consumer report. XXXX, Equifax, and XXXX have a blatant disregard for the law as they are failing to report what relates directly to me per my written instructions and right. I have also reached out via telephone and never reach a representative. There are currently 13 inquiries shown on XXXX, a collection from XXXX XXXX who I've never contracted with, and 2 closed accounts from XXXX XXXX and XXXX. Equifax is fraudulently reporting 17 closed accounts, 2 collections from XXXX XXXX and XXXX XXXX XXXX, and an inquiry form XXXX XXXX  that need to be removed per my written instruction and in accordance with 15 U.S.C. 1681 b 2. XXXX is reporting 11 closed accounts and 3 inquiries. These are all corporations who can not verify or speak for me the natural person. I am not in contract with any of them nor have I ever been. I would love for this to be taken care of immediately or i will start the administrative process as it is clear to me 2 or more corporations are conspiring against natural man. These are all corporations who can not verify or speak for me the natural person. I am not in contract with any of them nor have I ever been. I would love for this to be taken care of immediately or i will start the administrative process as it is clear to me 2 or more corporations are conspiring against natural man.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Tribal Lending Enterprise, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX I agreed to apply for a loan {$1000.00} XXXX I get a direct deposit of only {$450.00} XXXXACH {$65.00} applied to interest only XX/XX/XXXXACH {$65.00} applied to interest only XX/XX/XXXX-ACH {$65.00} applied to interest onlyXX/XX/XXXX-ACH {$65.00} applied to inteerest only I inquire about the loan, only to find that any payments made was to interest and my principal stayed the same amout. Also the orginial 669 % apr has been changed 772 % apr Outrageous!!! sent an email like the website instructs you to do when you want loan deatils. NO RESPONSE!!! 
Yesterday I accessed the website to and setup a customer account. Only to find all these documents that got sent to an email that I use only for my XXXX and to access the internet with my XXXXXX/XX/XXXX 
I never agreed to withdrawls from my bank account but the contract says " to revoke this I have to tell them my option of how I want to make my payments. '' So what I understand the money taken from my bank account is only for their interest and the loan needs further instruction for repayment details??? 
Also federal and state laws dont apply to them, so they can change the terms of my loan and what I agreed to. The " XX/XX/XXXXlands '' what does that mean 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 explanation
Consumer complaint received 2023-06-14
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was seen and treated at XXXX XXXX in XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX. I had just turned XXXX XXXX XXXX and was in my first year of college during XXXX  when I suffered XXXX. My dad came to be with me, although he had to stay in his car and at a hotel because he could not physically be with me most of the time. He was able to sign paperwork as the financially responsible party and provide insurance information. 

XXXX XXXX billed our insurer ( XXXX XXXX of Illinois ). The claim was processed by them on XXXX We were billed for the amount not covered by insurance. That amount was paid to XXXX XXXX promptly and without issue. 

In XX/XX/XXXX, I received a letter from The Law Offices of Mitchell D. Bluhm & Associates , LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX TX, XXXX, saying that they are attempting to collect an unpaid medical bill from XXXX XXXX XXXX, which bought a written-off account from XXXX XXXX XXXX XXXX XXXX IL XXXX based on medical care I received during the hospitalization referenced above. 

I was never billed for this care by XXXX  XXXX XXXX ( XXXX XXXX, XXXX  ), or by XXXX XXXX, XXXX. Not a single written bill was received, not a single phone call was received to tell me that I owed for this care. Despite the paperwork that my dad signed at the hospital and the insurance information he provided ( as shown by the hospital 's actions for the amount owed to them ), XXXX XXXX XXXXXXXX did not bill my insurance for their care. At least some portion of this bill would have been paid by my insurer. 

Now, over two years later, I am being asked to pay the entire amount for care that would have been covered by insurance if XXXX  XXXX XXXX XXXX, would have billed my insurer as I instructed them. My credit has been damaged by both a write-off and a collections action for an amount that would have been paid years ago if I had received one bill in the mail or a phone call notifying me of an amount due. There is no indication that my address or phone number weren't available to them, as I have received letters and phone calls from the firm attempting to collect the amount. 

This is an unacceptable course of action for a medical group, particularly given that I was ill, young ( had turned XXXX less than one month prior to this hospitalization ), away from home, and in the midst of the XXXX pandemic. 

At my authorization, my parents have spoken to representatives at Mitchell D. Bluhm & Associates, including " XXXX, '' to explain the issue and request itemization, which was received. This office has no interest in the circumstances of the bill. Our insurer has spoken with representatives at the office of XXXX  XXXX XXXX XXXX, who has referred them to the collections agents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Chrysler capital is stating that XXXX XXXX has a credit alert on my report and is showing the wrong phone number and they cant verify. I called XXXX XXXX and they said they dont have any inquires from Chrysler today on XX/XX/28 and that there is no credit alert

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: JPMORGAN CHASE & CO.
State: TX
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:
I opened a business account on XX/XX/18 with chase I still have not received the debt card I have been calling chase i was told to go to the bank to request a new card once there I was told that the card couldn't be sent to the address on file so I call the call center again spoke with 3 people one opened a ticket to send the card out overnight one said the card was sent and should arrive the next day then the last one said no card was sent and she also was the first person to tell me that the banker should have sent the card out I've been calling the bank ( the physical location the one that refused to send the card out ) back to back for over an hour with no answer at the end of a week long search for a debit card I'm still left with there is nothing I can do your account is too new to do anything over the phone and we can not send a card to your address because it's an apt .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Back in XXXX I co signed for another person to get a vehicle. The car dealership wan only supposed to go with XXXX XXXX however my credit was hit with nine different inquiries and XXXX XXXX was on my credit report 2 times. The following inquiries were on my report as follows : XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/ XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 I did not give any consent to the other inquiries and believe the dealership did this to find the best deal however I was not notified at all when my credit was run 9 different times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: AMERICAN EXPRESS COMPANY
State: AR
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 XXXX I filed a complaint with the CFPB about AMEX reporting information on my credit report that is not mine. I attached the Police report and FTC report. The complaint ID numbers are XXXX, XXXX and XXXX Please view for attachment purposes. On XXXX They responded by sending an agreement attachment. The attachment will be upload. The attachment has the address spelled wrong and left off my prefix. which I never do. My name is XXXX XXXX XXXX. It has no signature and the complaint was closed. I am distressed that AMEX have included the information on my credit profile and that thay 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. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the accounts be verified or removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: DISCOVER BANK
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:
Im in direct violation of th fair credit report act. XXXX XXXX XXXX XXXX XXXX XXXX, Discover bank, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated several of my rights.

15 U.S-C 1631 section 602A.clearly states that I have the right to privacy.

15 U.S.C 1631 section 604 A. section 2 ; it also state a consumer reporting agency can not furnish an account. without my written instructions.

15 U.S.C 1666/A creditor may not treat a payments on a credit card account under a open ; end consumer credit plan as late for any purpose.

Please the late payment and update this account remove immediately as they are in a direct violation of several laws under the fair credit report act/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In 2011 I was trying to work with Wells Fargo to get a loan modification. I did what they told me to do and then in XX/XX/2011 they said they couldn't get in touch with me although I had the same address and phone # for over 15 years. They did not return calls to me or reply to my correspondence. I found out my house was in foreclosure and then it was sold for {$39000.00}.

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 explanation
Consumer complaint received 2021-06-29
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
In 2019 I reported fraud on the account to the credit company. The company did nothing, the fraud continued and all the money was take by a dating agency. I stopped using the card, but it was still being charged by the dating agency. I called the credit card company because of the fraud they didn't do any thing but allowed the fraud to continue. I cancled the credit card and I currently do not have an active card on this account. However, I am stilling charged and paying late fees because of a monthly charge on a inactive credit card account. I have told them I don't have an active card on the account but I am still being charged for a card and it's ruining/distorying my credit. Please help. 

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 2021-06-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I XXXX XXXX, sent a letter on XX/XX/2021 regarding with inaccurate and unknown things on my credit report. I feel like I am being taken advantage of and ignored by my disputes. In FCRA or Fair Credit Reporting Act section 611 ( A ), it is plainly stated that a failure to investigate these item disputed within 30 days should be deleted from my credit report. It has been over 30 days and I still don't get any response from the 3 credit bureaus. I demand that these item should be deleted immediately as they are causing me stress, this goes to all 3 credit bureaus. I have provide a copy a certified receipt as a proof that it has been over 30 days since they receive my letters, I also provide a copy of my ID as a validity of my Identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This loan was transferred from XXXX XXXX XXXX XXXX XXXX ( XXXX ) to Specialized Loan Servicing ( SLS ) effective XX/XX/XXXX. The onboarding process has been a series of errors with no resolution. 

XX/XX/XXXX : Made XX/XX/XXXX payment to XXXX via automated phone system. 
XX/XX/XXXX : Received notice of servicing transfer from XXXX effective XX/XX/XXXX. 
XX/XX/XXXX : Called SLS to make payment for XX/XX/XXXX. They said the account was still onboarding from XXXX so they could not accept a payment yet. 
XX/XX/XXXX : First monthly statement from XXXX. XXXX was full of errors. Monthly payment amount was incorrect. Also showed a past due amount even though we were up to date with all payments to XXXX through XX/XX/XXXX. 
XX/XX/XXXX : Called SLS to discuss statement errors and make XX/XX/XXXX & XX/XX/XXXX payments. The two customer service reps I spoke to could not explain why XX/XX/XXXX XXXX payment was not applied. They could not explain why our monthly payment amount was incorrect. They kept putting me on hold, but each time they said they could not correct the account. While on the call, I emailed SLS a bank statement as proof of XX/XX/XXXX payment to XXXX. Then I made payment with the customer service rep for XX/XX/XXXX & XX/XX/XXXX. The customer service rep said she submitted requests to have our account researched and corrected. The call lasted over 90 minutes. 
XX/XX/XXXX : Called SLS to follow up. They said the proof of XX/XX/XXXX payment to XXXX was noted in our account and that the Cashier Dept. was still working on updating and correcting our account to reflect all payments received. 
XX/XX/XXXX : Monthly statement ( received on XX/XX/XXXX ) showed a past due amount even though we had paid our account up to date through XX/XX/XXXX. 
XX/XX/XXXX : Called SLS again to follow up. Transferred to Escalation Dept. The rep said the errors have been corrected in their system. The rep said a request will be sent to correct the account by applying the payments to show we have paid through XX/XX/XXXX. She said I can check back again after 5 business days. I requested contact info to complain about this process. She gave me a SLS XXXX XXXX XXXX in XXXX, CO. 

It is unacceptable for it to take so long for our account to be corrected. We are very concerned that XXXX will incorrectly report negative info to the credit bureaus and damage our credit rating.

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 2022-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have a long time joint acct with my brother, he passed away on XX/XX/2022. 
I called to have the acct. closed on XX/XX/XXXX and they were to forward me the balance, on XX/XX/XXXX I called again as i have not received the funds, after being on hold for 1 hour, I was told I need to fill out paperwork at their office and get a court order to become an executor. 
I don't understand this as i have been a joint owner of this accout for many years. 
Please help me get these funds. 
Bank of America balance due to me 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 monetary relief
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: NJ
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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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