BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-28
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX 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 2021-05-06
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We sold the rental property at the end of XX/XX/XXXX. We then went out of town for XXXX and I forgot that I had an auto bill payment coming out of my bank account to pay the mortgage on XXXX, XXXX. {$1800.00} was sent to Mr. Cooper. Once I realized what had happened I assumed they would send the funds back, understanding that this might take a bit. However by XX/XX/XXXX the funds had not been returned so I called them to find out why. I spoke with XXXX in customer service who explained that since we had another loan with them, on our primary residence, they had automatically applied the funds there. I explained that 1st they should not have automatically done that prior to asking our permission since loan numbers were always provided and 2nd this was commingling funds since one is a rental and the other our primary. She asked me to send her a copy of a voided check to get routing number and account number to return the funds to us. She stated that I would likely see something within the week. She called my husband a couple days later and stated that the funds might be less since they had applied it to the other loan and they would need to take out interest. 
When nothing happened by XX/XX/XXXX I reached back out. This time I spoke with XXXX in customer service who forwarded me to escalations. I was connected with XXXX XXXX in the escalations department who stated she would handle it and again asked me to forward a voided check which I did. She sent an email to me on XX/XX/XXXX stating, : Good afternoon, I apologize for the delay, I did submit the request for the refund again, today. 
It should be in your bank account in XXXX days. 
Please email me around the XXXX if it is not. 
I apologize again for the delay. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX I followed up with her via email on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all well after the 10 days she promised the XXXX would be returned. 
I then reached out again to Mr. Cooper on XX/XX/XXXX and asked again for escalations. 
I got XXXX XXXX who again stated she would be my single point of contact. I called her back on the XXXX of XXXX, XXXX and have had not response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
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: Reporting company used your report improperly

Complaint:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. 
I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing or not correct on them. 


Paid Account/Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: NY
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 XXXX Account # XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have my rights to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate 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 2021-05-06
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021 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 im 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation 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 2023-10-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX reported my payment as late for XXXX but I never got an email or message that the payment I made in XXXX never posted. I still don't know why it didn't post but they should have contacted me to let me know something happened. It could have very easily been an error on their website which is always down with issues. I have never missed a payment on anything and it's totally ridiculous that this was reported instead of alerting me. I demand that it be removed from my credit report. Once I found out the payment never was made I of course paid it and the 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 2022-04-19
Company: Experian Information Solutions Inc.
State: WA
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 pulled my credit report on XX/XX/2021 and sent a notice and pulled it again on XX/XX/XXXX and noticed an auto loan that is being reported. This auto loan is categorized as an " experience '' I initially had with XXXX XXXX of XXXX XXXX and then with XXXXXXXX XXXX so reporting it publicly to Experian, XXXX and XXXX is a violation of the Fair Credit Reporting Act ( FCRA ), because they werent involved in this private matter, and this is a violation specifically of 15 USC 1681a ( 2 ) ( a ) ( i ). Because Ive already sent a previous notice to the furnisher or creditor, this is also a violation of 15 USC 1681s-2 : responsibilities of furnishers of information to consumer reporting agencies.

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 2021-11-08
Company: Chime Financial Inc
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX my fiance had sent me money on chimes new send to anyone including people without chime accounts, when I received the money it said to put in my debit card info or open up a chime account and earn XXXX bucks, I did some research and decided to go ahead and open an account, so everything was farely easy to open the account and my XXXX dollars was deposited in my new chime account. The next day I went to go buy a shirt from XXXX and when I went to pay with my XXXX play using my chime account it said declined so I panicked and not only that was extremely embarrassed and laughed at. So I went to my phone and tried to log in and boom it said my account had been frozen,, so I called immediately and they said it was no problem just to send in my ID mail and second proof of ID, so I got home and did just that but then all the sudden it wasn't good enough they need something else, in the United States of America birth certificates are considered XXXX form of identification but nope chime wouldn't except it, but I tried to explain I lost everything in the XXXX Oregon fires and ATM its all I had, plus they wanted a bill XXXX my name but at first it was any kind of mail the only problem I have is I'm living with my sister because like said my fiance and I lost our home in the fire so I don't have any bills in my name or they wanted a banking statement but I wouldn't be banking with chime if I had XXXX, so I told them the unemployment letter was from the government and that should be just as good as an electric bill, plus I explained that I just got this new job and the money my fiance sent was also supposed to get me to work and my kid to daycare well they couldn't care less, so i finally got a bank statement mail from a bank account I don't use anymore haven't for sometime but it was a statement like they said I could use but then that wasn't good enough, it's been this huge run around, every time I call they say someone from the review team will contact me in the next XXXX hrs and it never happens I sent them the receipt and stuff from the XXXX XXXXy XXXX saying this was proof until I receive my card and that's still not good enough, they haven't even responded to me in weeks, I don't understand what else to do, it's crazy that their really just gon na keep money that's not theirs, something needs to be done and they should be held accountable for their mistakes, as of now my hours were cut at work cause i didn't have gas to get there and to take my kid to daycare so now I've fallen back in a financial hole all thanks to chime and their uncaring ways, I just want my money or if it's such suspicious activity then give the money back to my fiance I mean if I was scamming the best thing they should do would be give the money back to the person who sent it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: HUNTINGTON NATIONAL BANK, THE
State: WV
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:
THIS WAS A XXXX SCAM CASE # XXXX On XX/XX/2022 about XXXX Huntington bank called me and said they were fraud team and asked me if I'd approved a XXXX $ XXXX payment to some females name ( wrote all down ). I said no and got scared and he said he had to walk me through transferring that money out of the acct so It would not be lost and that they would catch this person. He kept me online banking and had all my information! He told me what was in my accts and he was right! Kept putting me on hold and then have me look and after a while I said I can't stay in the phone and I don't think you need my birthday. He then and another man both started laughing and cursing me! Omg they'd stolen almost XXXX $!!! I immediately froze cards changed password transferred remaining money into savings and tried with no luck to call Huntington! After hours so fb with them. Next morning spoke w three dispute people at Huntington and one of the females closed my savings account and said I'd agreed to that ( I found out later ) and blamed me for the scam!! I was so upset and I am very ill and had to be at hospital Friday next day and by the time got done bank closed so went sat morning to Huntington bank XXXX XXXX WV and was assured everything would be fine and then XXXX said a XXXX had closed the savings and said I agreed. I had no money! She said don't worry we'll take care of it and explained how the XXXX  scam works and told me not to call the dispute team just come to the bank. Assured me everything was fine. Monday I went back and XXXX XXXX said he was my banker and XXXX was supposed to get a hold of XXXX and find my savings money and call me but she wasn't there and when I called she said XXXX was working at home and didn't respond to the email. XXXX took me through hoops and told me he'd fix everything and is still doing that now! But Huntington lied and they went back and took all of the XXXX $ back from me that the scammers took! And now they won't let me set up recurring rent and I had to borrow from my son and they just blow me off! I'm SSD SSA hud and XXXX very ill retired nurse and they have treated me like the crook! The e regulation should cover me! I have never used XXXX and they are responsible for the security of my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/2023, I submitted dispute letters to XXXX, XXXX, and TransUnion regarding inaccurate information on my credit report. Despite my submission, XXXX, XXXX, and TransUnion has not adhered to the requirements of the FCRA in their handling of my dispute. I'm reaching out to you today because I'm really upset with XXXX, XXXX, and TransUnion - the three main credit reporting agencies. The Fair Credit Reporting Act- in a section labeled 1681i ( a ) ( 7 ) - clearly states that when a consumer like me asks about their reinvestigation process, these agencies must explain it within 15 days. But I'm still waiting for an answer from them since I made my request on the dates above. 

There's another issue too. I've found some inaccuracies in my credit report, and I've already informed them about it. Despite this, they haven't removed the incorrect information. This goes against what's outlined in section 1681i ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. Also, they're supposed to ensure that the information they have on me is as accurate as it can be, but these mistakes keep popping up. This isn't right, and it's a violation of another part of the Act - section 1681e ( b ). I'm really at my wit 's end here and I'm hoping you can help me resolve 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 non-monetary relief
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.AMERICAN EXPRESS 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 2022-04-19
Company: Experian Information Solutions 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 XXXX  Account XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX # 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 XXXXXXXX XXXX XXXX XXXX, XXXX XXXXl 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Chase continues to execute predatory practices with their excessive overdraft fees. I received a message from Chase that although my account was overdrawn, I still had time to make a deposit to bring my account positive to avoid overdraft fees. Overdraft fees were still assessed on my account. I requested that the fees be waived so that I could deposit enough money to bring the account positive. Chase refused and even continued to process transactions without funds available in the account. I have never consented to any overdraft protection and numerous times I have requested that no transactions be processed that will cause my account to be overdrawn. I am the sole provider for my family which includes XXXX young children and I budget with very little wiggle room. The overdraft fees assessed will take months to overcome as there is very little disposable income available after basic necessities and obligations are met. These overdraft fees impede my ability to have food on the table and gas in the car. Overdraft fees and the related practices employed by Chase specifically target low-income families and are excessive in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$140.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
To Portfolio Recovery Associates Whom it may concern : This is about the letter sent via mail dated XX/XX/2023 requesting your company for validation of the below-mentioned account number XXXX XXXX In response to the letter, your company sent a pile of statements received from the creditor as proof that I was credited for the alleged transaction.

Further, the creditor reported this on my consumer report as Charged off. It means that the creditor will no longer attempt to collect this alleged debt owed by them.

Therefore, pursuant to my rights I approached the creditor and asked the following questions 1. Have they sold this alleged debt?

2. To who is this debt sold?

3. Are they still in the process of collecting this debt?

I am enclosing herewith the response received from the creditor. Also, I am mentioning below the answers to the above questions for your reference and record.

1. Yes, they have sold the debt.

2. Its sold to your company name portfolio recovery 3. Since they have charged it off, they are no longer in the process of collecting this debt.

Through the response received from the creditor, I would like to inform you that your company has violated 15 USC 1692j ( a ) because your company furnished a deceptive form to create a false belief in me as a consumer that the Creditor was attempting to collect the debt when in reality, it was not true.

Pursuant to 15 USC 1692j ( b ), any person who violates the above-mentioned section shall be liable to the extent as mentioned under 15 USC 1692k i.e. {$1000.00} ( XXXX XXXX USD ) I am attaching herewith the invoice and if you fail to pay the same, I will escalate this matter to Federal court. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation