BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-02
Company: Law Offices Howard Lee Schiff, P.C.
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I started receiving letters from Howard Lee Schiff in XXXX they have added more debt since this time they now have 4 cases they say I owe on I tried to pay on the first one in XXXX they refused to let me make automatic payments so I told them it was about time they got upto the times and allowed me to pay automatic every month. I didnt hear from them for many years then last year I began getting calls from them I explained the same way I did before they are not allowing me to make automatic payments. Since XXXX of this year I have received nonstop calls and mail from Howard Lee Schiff they had begun sending court papers I did dispute having 4 cards that I owed on they sent me 3 files but not the fourth. The information from original creditor does not show me that I was involved in any of these accounts. After I asked them not to contact me through mail or any other way explaining that I have tried to make automatic payments on 2 cases years ago and they refused to let me and now they are upto 4 cards. They sent me a paper for automatic payments in XX/XX/XXXX after saying for years they couldnt do this. I filled the paper out for all 4 accounts together stating they need to take the once a month payments out starting XX/XX/XXXX also sending this proof to the court. They then still continued to not take payments I even called Howard Lee Schiff office to ask why my payments still are not being take the lady told me sometimes it takes 30 days wait until XXXX. No payment taken in XXXX so I copied all these papers again and went to the post office and sent it so someone would have to sign when it was received. It has been signed for and I have not had a payment taken and still have not received anything by mail. I honestly have tried to pay on this only for them to add more accounts which I dont believe I even owe but to get ahead of this I tried to make payments and they refuse and now I have court papers for dates for all of these accounts I believe its not fair because I have tried to pay this for years. They have even told me in the past 2 years that I run my own business so they will take the money from my husbands paychecks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

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 2023-12-13
Company: EdFinancial Services
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been for the past few months tried to pay off a portion of my student loan debt. 

Within a few days the payment is received and cleared through my bank. Then it is REVERSED by my loan servicer. 

My loan service is Ed Finical. This is a common tactic it appears from other unfortunate customers. They will '' accept '' payment then quickly reverse it until an actual of interest is applied for late payments! 

I can and will happily provided evidence of my attempts to pay for the previously stated months.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-13
Company: Affirm Holdings, Inc
State: NM
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
In XXXX I purchased a XXXX XXXX and financed the amount ( Approx {$4600.00} ) through Affirm. I paid off this loan in full. The treadmill was later recalled due to safety issues and I returned it. XXXX refunded the full amount of the treadmill, approximately {$4600.00} to Affirm into my account. Affirm was supposed to refund this amount to me. Even though I had updated my ACH information, they said they had to mail the check. I talked to them on XXXX XXXX XXXX confirmed my mailing address and they stated the refund check would be mailed that day. Almost a month later, I received an email from them asking me again to confirm my address. It was a boilerplate robo type email. I thought they had already sent the check, so I confirmed the mailing address again and called them to ask where the refund was. They couldn't answer definitely if the check had been sent and when and they can not provide any information or tracking as to where it is. Today I was told that the check was in the mail, but again no further details. It is almost two months since XXXX refunded my money to Affirm, and I can't get the refund or straight answer, and instead keep getting emails to confirm my mailing address which I've now done more than five times over the phone and in email. Still, no refund despite hours trying to talk to them. Feels like they are running a scam to earn interest on other people 's money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: PA
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:
See document attached

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 2023-12-14
Company: United Shore Financial Services, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home 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'm requesting another 3 months forbearance. I have requested online on the phone and UWM says they will send decision in the mail I have yet to receive any response. 

I also messaged them on the online messages and they have yet to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
TRANSUNION XXXX XXXX XXXX XXXX, PA XXXX {$12000.00} : DATE OF SERVICE : XX/XX/XXXX. 
PROVIDER OF SERVICE : XXXXXXXX XXXX  To Whom It May Concern : I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that under the FCRA 15 U.S.C 1681i, every single one even each, any or all unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide standards according to regulations.

The FOLLOWING derogatory accounts allegations are either, UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW. The obvious infractions are as follows : Alleging Creditor and Account as is reported on my credit report : XXXXXXXX XXXX ACCOUNT # : XXXX By the provision of the Fair Credit Reporting Act and per the standards of the reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed 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 2021-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was issued a credit card back in XXXX or XXXX of this yearXXXX. I went on line @ the time and created an account but the XXXX of XXXX time I tried to go on line, my password was rejected and I know I keyed in the right password. 

I called the credit card company and verified all of the requested information but was told I would not be able to access my account. My reply was I will not use any card that I have no way of reviewing my account information. I was told I could mail in my payments. I never used the card. 

A few days ago, I was issued another card by the same bank, a different card and I am still unable to access my account on line and all I am requesting is be allowed to change user name as well as password. This should be allowed after all who wants to have a card that can not be monitored?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Disputed {$100.00} of {$400.00} charge from XXXX XXXX because this was the delivery fee, and the delivery persons came late and refused to wear facemasks during delivery. Bank of America refuses to remove this fee and states that I complained of discrimination. I didnt complain of discrimination ; I asked them to resolve removing {$100.00} with the merchant because I wasnt satisfied with the goods and services provided- had I known that delivery persons wouldve refused to wear facemasks wouldnt have chosen this service.

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 2022-03-31
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Someone has fraudulently used my credit card number to charge approximately {$8000.00} worth of goods and services. Although I have repeatedly brought this to the bank/credit card company 's attention as far back as XXXX of 2021 they have repeatedly stalled doing anything about it. Finally they told in XXXX of this month that this was not their problem and that it was up to me to resolve. Meanwhile I am paying {$300.00} a month on charges i DID NOT MAKE and to add insult to injury they are charging me {$100.00} a month interest on these fraudulent charges. Additionally these charges should have never been allowed by them as I have had this credit card for over 15 years and had never charged my card anywhere near the extent that this thief did! I left my automatic pay of {$300.00} a month on as I did not want it to negatively impact my credit. Finally I almost always paid my account down to XXXX as I generally didn't charge that much and I didn't want any interest charges. Although the bank/credit card company claims they " investigated '' these charges that is impossible to believe since they never talked with with me about those charges, the charges were made by a person who lives in OK and I live in NC, and the thief that made those charges paid of utility bills, daycare costs ( I have no children at home ), and their bills..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
This has been a major disappointment for me to say the least. I'm absolutely not satisfied with the " investigation '' process of XXXX, Experian, OR XXXX. Not only have they been reporting in accurate information from me for multiple years and profiting from taking corners. They have done 3 in proper investigations on my credit profile. After Covid, My fiance and I have been searching for somwhere to live, and sadly my credit has been a major road block. These LONG response times, are even more concerning when they are clearly breaking the law. 
Again, I have 2 accounts that i NEED deleted immediately. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX In my attachments i will have HIGHLIGHTED information that provided evidence of my consumer rights being violated and also listed below will be the most recent law they have violated. 
15 U.S Code 1681i- Procedure in case of disputed accuracy ( 5 ) ( D ) ( 5 ) ( D ) Automated Reinvestigation System Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results to a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agency. 
XXXX has Deleted XXXX XXXXXXXX off of my credit profile, consumers agency 's need to relay this information, and its sad that im having to go through MANY complaints through these consumer agency 's directly, the CFPB, XXXX  and EVEN the attorney to find a resolution. 
AGAIN attachments are ATTACHED TO EMAIL. 
PLEASE DELETE ACCOUNTS immediately IF they did " PROPER '' investigations there is NO possible way to have this many mistakes, 3 investigations in a row. 
THIS is a HUGE violation of my rights

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 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In addition to the following information XXXX is in violation of 15 U.S. Code 1692g - Validation of debts ; I sent a dispute more than 30 days ago and according to federal law they must remove the disputed information for not providing me with documentation to prove the validity of the alleged information. I kept record to prove they received my complaint - Tracking Number # XXXX. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Subject : Demand for Immediate Removal of Charge Off and Violation of 15 USC 1611 Dear Sir/Madam, I am writing to dispute information in my credit report that I believe resulted from identity theft, as per my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2. 
The following information is not related to any transaction or activity performed by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that these items be blocked from my credit report in accordance with my rights under the aforementioned law. 
Attached to this letter are copies of the following documents : 1. Proof of my identity [ describe the document you're using as proof of identity, such as a driver 's license or passport ] 2. A copy of the identity theft report, ( I have a Federal Trade Commission Identity Theft Report and a police report ) 3. A statement explicitly declaring that the disputed information does not relate to any transaction or activity performed by me. 
I respectfully request that you act promptly on this matter, as the law requires you to block the reporting of this information no later than four business days after the receipt of these documents.

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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Found that several of the accounts on my Transunion, XXXX and XXXX accounts were put on there without my consent. According to 15usc 1681b ( a ) 2 In accordance with the written instructions of the consumer to whom it relates and 15usc1681 ( a ) i report containing information solely as to transactions or experiences between the consumer and the person making the report. Affidavits have been sent to each reporting agency. Accounts that are in question are : account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$880.00}, XXXX 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 2023-12-15
Company: Selene Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Selene Finance is not accepting my checks. They received a check dated XXXX  on XX/XX/XXXX in the amount of {$7000.00} for a statement that was dated XX/XX/XXXX with a due date of XX/XX/XXXXXXXX  for a total amount due at the statement date of {$6900.00}. I received a FedEx standard overnight package from Selene Finance on XX/XX/XXXXXXXX  with a letter and the check for {$7000.00} with the statement that the check was returned for Unable to process, loan is in foreclosure. So I immediately called Selene Finance upon receiving the XXXX  package to ask why. I first talked with a customer service representative named XXXX and she could not give me any information about the loan or why the check was returned. When I asked her if I could talk to her supervisor she said no but would take my number and a supervisor would call me back. I left my number and never received a call from anyone from Selene Finance and I did confirm my number with XXXX. I called Selene Finance back that same day of XX/XX/XXXX and spoke with a different customer representative agent named XXXX and again was not given any information. So I sent another check for {$8500.00} that was dated XX/XX/XXXX for the statement closing date of XX/XX/XXXX with a total amount due of {$7800.00} and due date of XX/XX/XXXX and the check has not cleared my account so I dont know what the status is of the check but on XX/XX/XXXX I received a Notice of Sale on XX/XX/XXXX with a scheduled date of sale for XX/XX/XXXX. I am trying to resolve this but I am getting no response from Selene Finance.

Company response to consumer: Closed with explanation