BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
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 update 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. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was 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 below : XXXX XXXXXXXX XXXX : {$10000.00}, XXXX XXXXXXXX Balance : {$290.00}, XXXX XXXX Balance : {$2200.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I opened a checking account with Chase Bank in XXXX of XXXX After a month of maintaining the account it was hacked. Someone spent all of my money in Texas and transferred money to a different account or place. I reported it as fraud. The bank gave provisional credit but then took it back and said I needed to go into a branch and provide proof that I wasnt in Texas at the time of the transactions and my money would be returned to me. I did this and the banker helped me fax over the documents to prove this. Then the bank came back and said unfortunately they couldnt accept that and would not be returning my money. It was over {$800.00}. I have tried calling numerous times to get my money back and my account reinstated but every time I try they tell me there is no history of my account. I just need to have my money back. Its been over a year and its unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion, XXXX and XXXX listed XXXX on my credit file as a charged off account listing me as an authorized user. I did not approve of being listed as an authorized user. I never once gave my approval to XXXX XXXX list me as an authorized user on any accounts. This is a violation Also, Transunion, XXXX and XXXX has listed SOS Group on my credit file as well I never once received any notifications to validate debt I have two health insurances and was told I wouldnt have a balance SOS Group is reporting inaccurate information and account I know nothing about which is also a violation

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 2019-12-18
Company: Experian Information Solutions 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2023-11-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My Mom, died XX/XX/XXXX, XXXX as executor of her will i made repeated attempts to gain access to her relevant banking information in order to promptly and properly execute my duties. 
to this date i have been unable to gain proper access to settle affairs DESPITE remittance of all requested documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Made an American Express purchase XX/XX/XXXX one day before statement closed XX/XX/XXXX. Charged full month of interest before given the opportunity to pay the XX/XX/XXXX bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: VA 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:
Hello I have received a document yesterday stating that my mortgage was transferred to XXXX XXXX XXXX mortgage do you know anything about this? They it was transferred on XX/XX/2023. 
This company has not answered their phones and their phone numbers are scam numbers and they do even respond to emails. I ask Mr. Cooper about this and their only answer is that someone opened a mortgage with that company in my name and how it possible that someone was able to a mortgage in my name without my permission? Also I have been sending in complaints about Mr. Cooper for the past 6 months and now this has happened and I want both of these companies throughly investigates because something is going on and I want to know what it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Over the past XXXX years our Taxes and / or insurances are raised therefore there is a " shortage '' in our escrow account. We pay the " shortage '' based on the letter sent to us from the mortgage company ( Mr. Cooper ) and yet our mortgage payment still goes up. Please note ; in anticipation of a yearly increase I send additional funds to be applied to the escrow account but they apply it to the principal instead...???. 
I called again to find an explanation and they say we do not calculate escrow that way. (??? ) When I ask for a supervisor, they refuse to put the call through but file a request (? ) and tell me a supervisor will call me in XXXX hours. the last time I attempted to resolve a problem with a supervisor. I did NOT receive that call back nor do I expect to receive one now.. 
When a mortgage company raises your mortgage for no apparent reason the consumer deserve to know and understand what is happening with their mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Companies Involved XXXX. Trans union XXXX. XXXX XXXX. Experience XXXX. Deserve XXXX. XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX reported my account as a charge XXXX XXXX of {$770.00} as of XXXX. However, they continue to report the account as active with late payments with the recent report being XX/XX/XXXX. I have tried to have the issue corrected with the XXXX credit bureaus, they claim to have done an investigation into the issue but continue to report this account as current. 

Deserve on the other hand claims my account is collection for an amount {$1800.00} in XXXX. They continue to report the account as active with the recent report being on XX/XX/XXXX. The credit bureaus have been of no help in addressing this issue. 

XXXX XXXX XXXX charged off my account for an amount of {$530.00} in XXXX. I requested the credit bureaus and first premier to stop reporting the account as active since XX/XX/XXXX. They continue to report the account as active with the recent date being 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 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3700.00} ; 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 non-monetary relief
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have emailed, called, and sent in letters to all three credit reporting agencies to have the bankruptcies showing on my credit report removed due to how they obtained this information. They claim the court gave them this information even though I have sent in a copy of the letter from the court themselves saying that they have do not share information with any credit agencies. I have asked as recently as XX/XX/2023 with XXXX that it remove the bankruptcy from my report, but they refuse to do and keep saying that the court verified the bankruptcy. This has been going on for a couple of years now and I would like it stop. I even sent a letter to XXXX who claims that they got the information from the court, which I sent a copy of the letter stating that the statement they made was indeed false, and they refuse to remove it from my 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 2023-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a claim last week for unauthorized card use that was denied. I dont feel as if a thorough investigation was completed. Someone used my card at a hotel. If they check the cameras Im sure they would see its not me. I will be filing a police report as this has thrown me into an awful financial position and displaced me from my living situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Experian Information Solutions Inc.
State: MI
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:
My name is XXXX XXXX XXXX and I had been laid off work and was also out for XXXX for XXXX days without pay. I called XXXX XXXX to see what type of help I could receive because at this point I was already a few weeks pass the due date. I talked to one of the customer representatives to see what kind of help was available. The Rep told me to just set up a payment online. I told the representative I would not be able to pay until the following XXXX which would make be 30 days late if ensured me that as long as I made the payment arrangement before the 30 days they would not report it as being late. I asked was the call being recorded because I am in the middle of a loan for a house. I made the arrangement and the money was paid out XXXX XXXX. My loan officer informed me that I had a 30 day late on my credit report and I was no longer eligible for the loan. I would also lose the monies I paid for the home inspection and appraisal. I also would lose my XXXX money deposit. I called XXXX XXXX and informed them of all of this and they said if that is what the representative said they would honor that and fix the error. Nothing has happened and I stand to lose everything I worked hard for to buy my home.

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 2023-11-14
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I submitted a police report for multiple disputes. Dispute number XXXX was denied even though my Identity and card were stolen and verified by a police report. 

This also applies to dispute XXXX And dispute number XXXX. 

All of these disputes have police reports or evidence attached. I even was willing to provide more information if requested. 

These were denied with no explanation and Chime literally did not provide a reason. These funds should be returned and I have trusted them with my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: GA
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:
I am a natural person. I am a living human being. I have rights under 15 USC 1681.

EquiFax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


Account : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Today I checked my credit report via XXXX. The first report was from TransUnion. 

There was a link to view your score which I clicked. I then created an account with TU and input payment information. This signed me up for a {$19.00} per month credit monitoring service with TU. 

The problem is that the cost or term of the service was never displayed on the screen. That is a deceptive practice that should not be allowed. 

I was able to cancel the service and get a refund for the {$19.00}, so that's okay. The fact that TU was willing to cancel and refund implies they recognize the deceptiveness of their process. 

Granted, I willingly input my payment information, but I assumed I would see at least a dollar amount of anything I was purchasing before the sale was completed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2023, I deposited a check from my husband for a value of {$1100.00} into my account by mistake. The money came out on XX/XX/2023. Two days before the deposit was received, they closed my account. account and the reason was that the check had been reported as stolen which is not serious because my husband did not report it and the company from which the funds were received for work did not report it either. I called Bank America they said that the money was going to be returned to where it came from, I went back and contacted them and they told me that they were going to transfer it back to the company we called the company and they said that they did not inform them anything and that they could not do Nothing came back and I contacted them and they told me that the bank was investigating where the funds came from. My husband was listening to the call and gave the number of the company in which they verified that the money was not STOLEN as they said it had been on the day. On XX/XX/XXXX, they had a meeting and decided that they were going to reopen my account. I called on XX/XX/XXXX and the account was actually active again. I asked about the money that was in my account since it appeared in XXXX and they told me that it would take 5 days. They were able to return it to my account, I called every day and each time they told me something different. The last time I called, which was on XX/XX/2023, they told me that on XX/XX/XXXX they would return them to me and I verified my account. and they did not return them and they do not solve me.

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 2021-07-19
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello CFPB, I am reporting and disputing the following item from my credit report that has nothing to do with me. I have also been threatened by this company of damaging my credit and repeated harassing calls. 
This item was disputed and removed legally and was not to return back under any other company on XX/XX/2018. The CFPB claim # is XXXX. 

HOWEVER, it has shown up back on my credit report recently by XXXX XXXX XXXX. And the credit bureaus have allowed this despite receiving the same communication letters they sent to you and, myself of deleting this inquiry.

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 2022-12-01
Company: EQUIFAX, INC.
State: MI
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3700.00} ; 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: Closed with explanation