BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-25
Company: Self Financial Inc.
State: NY
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:
Very bad company after sending them proof of a receipt after they requested they still wont remove the fraud charge after showing them I paid by check to the technician directly who care to My home instead of the company so I was double charged how is this fair they reverse their credit and wont help

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Ditech Financial LLC has been mistakenly showing our account as past due for five months. The total of our XX/XX/2019 payment was applied to the principal amount of our loan in error by Ditech. Since then, Ditech has listed our loan as past due. We have called the payment center every month and have been told that they are aware of their mistake and are working to correct it. 

We received a letter dated XX/XX/2019 stating that Ditech had not received our payment due XX/XX/2019. We mailed that payment XX/XX/2019, and after calling and spending hours on the phone they agreed our payment was made. 
We received a notice of default on our loan dated XX/XX/2019. We called the Ditech 's Loss Mitigation Department at the number listed on the letter and we were told to disregard the notice and be patient because they are working to correct their problem. This is a direct threat to foreclose on our loan if we do not pay by XX/XX/2019 on an unpaid balance of {$760.00}. Which was paid and they misappropriated the payment. 

We have been told they are working on this for four months and we continue to receive our monthly statement showing a late fee and that we are a month behind in payments. 
In addition we did not receive a billing statement for XXXX, we had to make a payment over the phone. It is now XX/XX/XXXX and we have not received a billing statement for XXXX. 

We have requested managers to call and let us know when or if progress is being made on their mistake with no response from Ditech.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 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 2023-04-22
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
From XX/XX/XXXX all the way for about a year funds was being with drawn from my Chime account and they don't understand that I was XXXX  multiple times and in the XXXX. I didn't not authorize anyone to use and of my Chime funds. They will not truly investigate. None came from me nor did I have a card to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Experian Information Solutions Inc.
State: NJ
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681 ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on including adding unauthorized charges and taking away point from my credit score on an closed account.The credit bureaus have no respect for the laws. Someone needs to hold them accountable for 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 explanation
Consumer complaint received 2023-04-22
Company: PLS GROUP, INC
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I've been in contact with PLS check cashing bank since XX/XX/ the first month I received a refund on my month of XXXX statement called in to ask questions on exactly how what steps I need to take to receive my refund in a timely manner. Upon being told that it would take seven days to appear on my balance I continued to decide to use the prepaid card not thinking I would be told I was going to be receiving my refund to being told I wouldnt be receiving my refund. I kept in contact for more then a year and it's been hard to let go I've been patient I've been persistent and managed to do all the work with the proof and rebuttals dispute for longer then two years now. I'm now being told I didn't fill out paperwork correctly and it's past the amount of time I had to dispute for my refund. Leaving me drained of my money I'm still willing to recover with your help. I'm XXXX and I have never been treated with so much agressiveness and bitter customer service from any company in my life. Just to spend more time giving all my documents in a properly manner and be rejected has took em it's toll on me. I have recordings emails mailed letters in my records. The total amount has even been changed and I still would've taken it instead of getting nothing in return. It's very upsetting that I used the card even after this issue had occured and they kept me on phone for hours hanging up on me after three hours of waiting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have disputed this item a dozen time on my credit report with both XXXX XXXX XXXXXXXX XXXX and all 3 credit bureau in regarding 60 day late payment reporting XXXX I have paid in full and this company reported 60 days when I have contacted them several times in regards to my payment history. I have paid on time. I have not received any response from XXXX or any document of late payment. The credit bureaus did not conduct any investigation the only thing that they would update account with no resolution. This account has aged and it is significantly sitting as a derogatory account it is now 7 years. I would like it to be removed off my credit file. This is damaging my creditworthiness.

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 2023-08-16
Company: Experian Information Solutions 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, XXXX XXXX am a victim of identity theft and have sent the required information to the following consumer reporting agencies. '' It has since been past the 4 business days required by law under 15 USC 1681c-2 and they have yet to block the information. I also want to make abundantly clear that this report of identity theft was not made in error by me, a consumer, as stated in 15 USC 168c-2 ( c ) ( 1 ) ( A ). I am seeking an immediate response from XXXX, XXXX, and Experian reporting agencies in order to feel that this matter has been fulfilled to my satisfaction in accordance with federal law ''.

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 2023-04-22
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:
false misrepresentation deceptive Case a collection agency XXXX XXXX XXXX. This collection agency falsely reported an unpaid medical debt which is under an active New Jersey Workers Compensation Case XXXX XXXX Experian XXXX refused to accept the dispute as valid claiming the investigation is complete and the debt is valid which is false. I do not owe a debt to XXXX because under New Jersey Workers Compensation Law I am nor liable for medical bills.

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 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
In XX/XX/XXXX added money to a fixed mortgage credit score dropped because of it! paymeants were XXXX was paying XXXX a month couldnt tell me were my money is that I over paid for year and a half to be ahead then in XX/XX/XXXX this year closed my account a 20 yr  mortgage with no warning Im in middle of a loan that is on hold cause of virus going and was alerted that my score dropped 40points again because of same people which u cant get a hold of them sent me a statement for next month but nothing on being sold again had to reach to find who took over and now they are missed up to cause they dont have life insurance that I have paid for for 20 yrs also with the last year they have done but cost me money and hurt me financially for there mistakes!! the amount of loan the loan being closed adding money to the loan reunion my credit and takin my money on life insurance

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 2023-08-16
Company: Experian Information Solutions 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 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 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 2023-04-22
Company: NAVY FEDERAL CREDIT UNION
State: OH
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:
Navy Federal claims to have reviewed customer call ( XX/XX/XXXX ) regarding closing the checking account. On the call the representative presented the option to close both checking and savings which was not the initial request/purpose for the call, or the best option for long term sustainability of the credit card that was attached to the savings account. I initially only inquired about closing the checking account. 
XX/XX/XXXX I received a letter from Navy Federal stating they will cease and desist all future communication and will not move forward with any future action they will wait for correspondence from me for any further actions. 
XX/XX/XXXX Navy Federal is moving to sue me in court in XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Financial Freedom Group, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
My wife and I signed an agreement with DebtBlue to help us consolidate our debt. We listed 7 accounts, the largest one being a XXXX XXXX XXXXXXXX credit card with an outstanding balance of {$13000.00}. As part of the agreement I make a monthly payment of {$390.00} for a total of 44 payments to an account at XXXX XXXX to pay for the settlements. This amount is based on what DebtBlue would require to settle all 7 accounts. DebtBlue has settled 5 of the 7 accounts listed in our agreement the 5 smallest accounts. 

On XX/XX/XXXX we received a summons from XXXX, so I immediately called to ask for their assistance. I was told to send them the paperwork, which I immediately did, but the company did not respond. I called repeatedly and sent several emails but nobody called me back. With only two days to go before the court hearing I finally sent them an email threatening to cancel the agreement and they replied via email that they had been unable to reach me so they left a voicemail and asked me to call them back to discuss my options. I finally called the lawyer representing XXXX and negotiated a settlement directly with them. I then requested that DebtBlue remove this account from the list and adjust the monthly payment to subtract this amount but their answer was that they would not change the draft amount due to me handling the XXXX account on my own so we can build funds and clear up the remaining accounts. Of course, they asked me to call them for any further questions. 

I am complaining because this company failed to represent me with the largest and most difficult account. They ignored my calls and emails and now expect me to continue paying the same amount even though I have taken responsibility for the largest account. I feel they failed to help me in the most difficult moment and now pretend to continue to take advantage of us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 2023-01-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
For the past XXXX years, I have been investigating my credit report and this process has caused severe depression upon me as XXXX, Equifax, and XXXX XXXX reporting continue not to respond toall of my disputes, report inaccurate information on my report, and fails to verify the inaccuracies. Information between the XXXX reporting agencies varies tremendously. XXXX consistently have ignored all of my disputes. I have had my identity comprised several times from my previous employers and even by Equifax. My monitoring of my credit file has unverifiable, invalidated, inaccurate, and questionable items that these agencies were reporting as 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate in my credit report and under 15 US Code 1651e ( b ) and 15 US code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my rightsprotected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights. 

XXXX, Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

XXXX XXXX, Acct # XXXX, has violated my rights. 

XXXX Acct # XXXX, has violated my rights. 

XXXX XXXX, Acct # XXXX, has violated my rights. 

XXXX XXXX, Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX, Acct # XXXX, has violated my rights. 

Under 15 USC 1681 section 602 A, I have the right to privacy. Under 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX XXXX XXXX ( a ) ( XXXX ) a person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe that the information isinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 2023-04-22
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:
false misrepresentation deceptive Case a collection agency XXXX XXXX XXXX. This collection agency falsely reported an unpaid medical debt which is under an active New Jersey Workers Compensation Case XXXX XXXX Experian XXXX refused to accept the dispute as valid claiming the investigation is complete and the debt is valid which is false. I do not owe a debt to XXXX because under New Jersey Workers Compensation Law I am nor liable for medical bills.

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