BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2023-10-26
Company: FREEDOM FINANCIAL NETWORK
State: KY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was contacted by achieve.com for a potential loan refinance. With the loan the loan XXXX suggested, I would be able to pay off several credit cards, saving me interest and lowering my monthly payments by around {$300.00}. I was asked for my income and I provided it and my wife 's income. We were told that we were approved. They then asked us to send them our income documents to verify our income sources which isn't a problem. My wife and I both work regular jobs but also work for our church. 

We provided our paystubs for our regular jobs and a XXXX for my ministerial income as I am the pastor. My wife explained that she could provide our bank statements for proof of our church income. We were also asked to provide our taxes for proof of the church income. We provided all of these items as requested. The loan servicer then said that the church income documents were not good enough. Mind you, we have gotten loans from other places by providing just the bank statements showing regular deposits from our church income. 

We were asked to provide a letter from the church that listed out the checks, the dates and other requested information for verification purposes. We had the church treasurer prepare this letter and we provided the letter. We do not receive paystubs from the church only our checks and a XXXX at the end of the year. We were told a short time later that we were denied for our loan. 

I contacted our loan servicer back and expressed my concern with their ability to verify my church income and asked why it was being scrutinized so heavy. I explained that we had not had issues having it verified at other lenders. We were told that it was due to their verification policies. I told them that I believed that they were treating my verification unfairly based on the fact that it is income derived from a religious source. I was told that several underwriters are utilized so they don't believe that it is the case. 

The loan XXXX then said that he would see about having the loan reviewed again. I requested that I be able to speak to a supervisor and receive the response in writing from the underwriter. That was XX/XX/2023. I have now heard nothing from achieve.com since then. I was told on XX/XX/2023 that it would be the next day and I would hear something. I have called the loan XXXX and have not received any return call. 

I am convinced that they are avoiding speaking with me and denied my loan because I discovered that they have a bias against religious income sources. They are treating the verification unfairly in comparison with my other income and they used this verification to determine if I would receive a loan from them. No one should have to have their income from religious sources scrutinized and treated unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-05-02
Company: EQUIFAX, INC.
State: CT
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 have requested my disclosure documents for opt out of this reporting and they have not responded in 30 days of receiving

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian Credit Agency has information listed on my report from XXXX WA XXXX ( XXXX ) XXXX I have never had an account with XXXX They have just updated information on my credit report XX/XX/2016 and they constantly update this information once a month causing me to have a unsatisfactory credit score and report. This item was not verified I asked Experian to send me the information verified within 15 days and they did not. According to FCRA I am entitled to receive verified information within 15 days of decision, I did not. I want this item removed immediately. And I want them to not be able to report false information to the credit bureaus whenever they please.

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 2017-02-19
Company: Southern Management Systems Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
from Apartment -XXXX On the XXXX, I moved out because of unstayable conditions, bugs and dirty carpet.. 
When I moved in, they did not clean. The dirty carpet, molds, bugs.. 
I reported these problems to the manager, however they did not do anything about my complaints and I notified them and I moved out. 
They did not return my deposits, yet.

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 2023-10-24
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 belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2022-03-16
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I have a PayPal line of credit ( credit card ) and pay monthly for credit protection. I have been attempting to file a claim ( loss of employment ) for over XXXXwo months. The credit protection - about $ XXXX per month, is being charged through Synchrony Bank XXXX For the past two months the Synchrony Bank site has not been working. This is accessed from the PayPal site. I have complained to both PayPal and Synchrony Bank and was told that they are having website problems. For the past two months, I have been charged the credit protection fee, which has caused me to exceed my limit. I spoke with PayPal and Synchrony Bank four times - twice in XXXX and twice in XXXX- with the last contact on XX/XX/2022. No one will help me at PayPal or Synchrony Bank.

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 2023-02-10
Company: DISCOVER BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2023 I received an alert that there was suspicious activity on my Discover bank account and to call in immediately. I called and it took about 45 minutes for them to tell me a business decision was made and my checking and savings account would be frozen immediately and I would receive a check with the rest of my funds within 10-15 business days. The suspicious activity was from over a month ago when I accidentally pressed the wrong bank account number from the drop down menu when transferring {$300.00} from my savings to my checking account. As soon as I realized what happened I deleted the old account from the account and transferred the {$300.00} from the correct savings account. The transaction was reversed, so no money was ever transferred. I have never had an overdraft fee or any other issues that would warrant such a drastic decision. I asked to speak to a supervisor who then transferred me to XXXX in the fraud department. XXXX looked at the account and said he would call back by XXXX central time after he could look into the account more and contacting the other bank. He never called back, I called this morning and same response. How am I supposed to just not have my money for 2 weeks? I am going to get charged fees from places that I have set up with automatic bill pay. I have no way to pull up my account, so I just have to take Discovers word that they returned all of my money to me? The only fraud on my account was from Discover!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX. XXXX XXXX XXXX, GA XXXX Or TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Or XXXX XXXX XXXX, TX XXXX XXXX, XXXX SS XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam, Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : [ XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX ]. 
As required by FACTA and in support of my request, I am including a copy of my identity theft report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. I may be reached by telephone at [ XXXX ] Sincerely, XXXX, XXXX SS XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2018-09-06
Company: U.S. BANCORP
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am begging someone to assist with issue. There is currently a sale date scheduled for this coming Tuesday, XX/XX/2018. This file is under contract and ready to close within a month. We have sent in the signed purchase and sales agreement and all other documentation requested. US BANK WILL BE GETTING A FULL PAYOFF as a result of the sale. We sent in everything over a week ago and it sat on someone's desk and never got reviewed. We finally got it into the hands of someone that requested the postponement and was just waiting on a manager to approve it. 

I spoke with the manager- XXXX ID # XXXX who said " unless you pay me my money, I'm not postponing the sale ''. Unless XXXX is the owner of US Bank and will be receiving the payoff into his own bank account, I don't believe he has any authority to treat anyone like that. We just talked a sobbing, broken woman down for the past 45 minutes telling her we would do everything in our power to help. this is unfair and deceptive to not help me avoid a foreclosure. 

My XXXX year old son suffered a XXXX XXXX because of the stress of losing our home and I am on the edge of the same. I need the proceeds from the sale in order to secure housing for me and my poor son. 

We are just asking that the auction be postponed in order to allow the sale to happen so that I can recover from the trauma of it all. I am attaching all relevant documents to this complaint Is there anything at all in your power to help us

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 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-04-05
Company: JPMORGAN CHASE & CO.
State: IN
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: Overcharged for something you did purchase with the card

Complaint:
I have reach Chase multiple times and no one seem to care or willing to help. In XXXX a charge was made to my credit card for {$3400.00}. I called XXXX and they were able to cancel the hotel room but not the airfare. Which meant that I was only going to be charge XXXX. Chase still charging me {$3400.00} that I consider fraud in Chase part. I have been getting late fees and interest charge of {$73.00}. They are charging me {$3400.00} plus interest charge of {$73.00} thats fraud. No one in Chase cooperate office care. I have send emails that XXXX send me and no one cares. Chase needs to fix this issues and rectify the interest charges as well as late fees since every time I speak with someone they say this is under investigation. Chase is just stealing money at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I used my chase bank app and sent {$XXXX} to someone that was imposing to be a dog breeder, which later turned out to be a scammer. I contacted the bank since i used the chase XXXX XXXX to send money. They said they wasn't able to refund me or even reverse the transaction after i told them it was a scam. They said it wqas done using XXXX, which is a third party so i contacted XXXX  customer service and they were also not able to refund me my money. The scammer blocked all of my numbers and i have absolutely no way of getting my money back. Please hep!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XXXXOn XX/XX/XXXX I contacted American Express via the online chat servicing to inquire about issues with an account recently assumed from my deceased father. As some unknown part of the transfer process was incorrectly completed on the part of American Express, the account was closed in error and rewards erroneously forfeit. I was directed to a specialized estates group via phone at XXXX. This group re-opened my account. 
XXXXOn XX/XX/XXXX I contacted American Express via the online chat servicing to inquire about missing rewards. I was informed that while my account was re-opened, the servicing group had failed to re-enroll & reinstate rewards as part of their Membership Rewards Program. " Your request to reinstate forfeited points was successful. You now have the Membership Rewards Points available. However, it might take up to 24 hours to show up at your end. '' XXXX XX/XX/XXXX I contacted American Express via the online chat servicing as my accounts ( all of them ) were restricted and my Platinum Card was according to the agent " I see this card was closed in error and marked as deceased. '' I had my open accounts unrestricted, and was advised I needed to contact via phone the same specialized group as before. I contacted that group and had the account re-opened again. 
XXXXOn XX/XX/XXXX I contacted American Express via the online chat inquiring about my missing rewards, as once again my rewards balance was wiped to XXXX ( was : XXXX ). I was advised to contact XXXX for additional support and to open a case. I was told I would be contacted again proactively with resolution. 
XXXXOn XX/XX/XXXX I contacted American Express via the online chat inquiring about status of missing rewards. I was told " It seems like the case is still being investigated. '' -Throughout this I have made numerous calls not listed to AMEX in an attempt to resolve through standard escalation channels. I have been rebuffed at every opportunity, and told proactive engagements and actions would come, that never seem to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22
Company: Conn's, Inc.
State: VA
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 have had an active installment account with XXXX 's Applicances for a furniture purchase since XXXX of XXXX and have since satisfied my account in full in XXXX of XXXX. My account has been in good standing the entire until XX/XX/XXXX. XXXX 's furniture inaccurately reported a XXXX, XXXX, XXXX, 120 day late payment to all three credit bureaus ( XXXX, XXXX, XXXX ) from XX/XX/XXXX- XX/XX/XXXX despite being enrolled in XXXX. I contacted them and the first reason I was given was that auto pay only last for 6 months at a time, something I was not made aware of at the time of set-up. I also only called twice throughout the entire length of the loan to set-up autopay so this can not be accurate either. The second reason I was given by a second person was because my account was not in good standing in XXXX so they reported all the late fees in the end.The third reason I was given was I set up XXXX automatic payment with a representative in XXXX or XXXX to finish the life of the loan however XXXX 's claims to have received a payment for each month from XX/XX/XXXX - XX/XX/XXXX except for XX/XX/XXXX. I contacted my bank and they have no record of any such attempt for XXXX of XXXX. They also did not attempt to contact me in anyway in XXXX in XXXX or any time afterwards regarding any kind of late payment. The last communication I received from them regarding any kind of late payment was in XXXX of XXXX which prompted me to call them and set-up the final automatic payment arrangement. 

XXXX 's Applicances ' lack of centralization of records and communication forces their hand into predatory behavior of the consumer and credit reporting. They are not transparent about the duration of automatic payments, they do not consistently contact the consumer regard account issues and they report inaccurately to the credit bureaus. After speaking with them, providing bank statements and satisfying my account, they will not correct the inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: CBC Companies, Inc.
State: OH
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:
I received an email from XXXX informing me that they had lowered my credit score by XXXX points. When reviewing the alert, I found that on XX/XX/2023, FACTUAL DATA, XXXX XXXX XXXX XXXX, GA, XXXX, I passed my credit twice, one by XXXX and the other by XXXX for said score, a fact that I do not recognize or authorize under any circumstances and I do not know said company and its origin, for which I consider a fraud for myself, considerably affecting my score credit, which I manage correctly and satisfactorily. 
I took the action of calling XXXX by phone to notify said fraud to which they told me to contact FACTUAL DATA, to directly solve this situation with them, which I did not achieve because they did not attend me. Then I called XXXX again and they told me to file the fraud complaint with you, and then send them proof of the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: EQUIFAX, INC.
State: SC
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 mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see accounts that does not belong to me.

Company response to consumer: Closed with explanation