BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-09-18
Company: Mr. Cooper Group Inc.
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Obtained mortgage on XX/XX/XXXX from XXXX XXXX XXXX. They sold loan to XXXX on XX/XX/XXXX. XXXX assigned servicing to XXXX XXXX XXXX on XX/XX/XXXX. Now they assigned servicing to Mr. Cooper effective XX/XX/XXXX. I issued check XXXX  XXXX on XX/XX/XXXX to Mr. Cooper. Apparently, the check has not been processed ( under the prompt crediting rule ) On XX/XX/XXXX, received call from Mr. Cooper Loans ( XXXX ). Voice message stated this is Mr. Cooper debt collection. Call XXXX within XXXX XXXX must use personal code : XXXX XXXX. 
On XX/XX/XXXX, received the above same message new code XXXX. 
On XX/XX/XXXX, called Mr. Cooper and spoke to XXXX XXXX about above. She stated their records does not show receipt of payment. I advised mail had not been returned so they are in receipt of payment but have not processed. Her only advised was to contact my bank! ( What would that accomplish if they failed to process check? ) I have never had XXXX XXXXXXXX calling me and do not want this to continue!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Maximus Education, LLC dba Aidvantage
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My loans were transferred to Aidvantage. I have attempted to change my loan to the SAVE plan several times and have had zero luck. I have submit documents on XXXX several time to change to change plans. It shows completed on the website, however Aidvantage is not processing the paperwork or changing my plans. I have called them over XXXX times, been on hold for over 50 hours, and been sent to a mailbox that is full several times. They have a mailbox that is full and it hangs up on you. They do not return emails. I want to file a complaint against Aidvantage. I am worried they will cause my account to go into default and ruin my credit. I need help changing my plan to SAVE plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-26
Company: Monterey Financial Services LLC
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 been having major issues with XXXX XXXX fixing incorrect errors on my account. I also have in writing where a representative told me I needed to call the credit agency and have them send me the credit report on what data they had. I called the agency and they said that was false and they report why they have been sent. 

Dealing with XXXX XXXX is horrid. I ended up having a loan of sorts after signing up for a travel package with world wide travel experts. Nothing is worth dealing with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: DISCOVER BANK
State: SC
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:
I purchases a firearm from a company called XXXX XXXX  with my Discover Card in XXXX of 2022. The company sent the firearm to me instead of my wife who I purchased it for so I could not pick it up because that would be lieing on a Federal Firearms form. I reported this to Discover and jumped through all the hoops they asked me to yet they still refused to get my money back. Moriarti Armaments also refused to fix the problem and refused to return my money. At this point the firearm was never picked up, and they sent a mailing sticker to the FFL and the firearm was returned to them. After a year I still have not had my money returned and my wife still doesn't have the firearm I tried to purchase for her.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-19
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2021 ( XXXX time ), I made a transaction with this " seller '' on XXXX using PayPal in order to purchase a digital good. As seen in the screenshots from my phone, you can tell that the seller scammed me and blocked me after I had sent him the money. Fortunately, I sent the money as goods and services on PayPal, therefore I was able to open a dispute on the transaction in order to get my money back. I honestly had no idea he was a scammer, all I wanted to do was to purchase a digital good. So after opening a dispute and working with PayPal to get my money back, PayPal sent me an email 7 days after on XX/XX/2021, saying I can no longer do business with PayPal as they have permanently limited my account because they found a " potential risk '' associated with it. At that time, my case on PayPal was still open, and I did not know why my account had been permanently limited. I sent a message to PayPal on their Message Center the same day asking for the reason because I knew for sure my intention was never to put my account at risk. But because they did not get back to me early so I decided to call them. The call was only 7 minutes, I talked to a PayPal agent and asked him for a specific reason, but he kept on saying that PayPal could not give me one because of their policy. I am the account owner and I think I deserve the right to know what happened and why my account was a potential risk. However, I still could not get a reason during the call. I then decided to wait for PayPal to get back to me through the Message Center. On XX/XX/2021, PayPal got back to me saying their decision was final ( as shown in the screenshot ) and still, I did not get a specific reason. I only know that PayPal consider my account involved in possible fraudulent or high risk behavior, but I have never once meant to do any of those. As for the dispute, PayPal says that I am refunded and the money will be transferred to my bank account, but I still have not received anything, I guess it is because PayPal is holding it up to 180 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: JPMORGAN CHASE & CO.
State: NV
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:
I currently have a business auto loan with J.P Morgan Chase for starters I signed for this loan on behalf of a company and was informed the loan would not report to my personal credit. on the XXXX of XXXX I contacted chase to make my auto payment once I made my payment via phone chase verified payment was successful. I later found out that the payment came up invalid because I guess the rep input the incorrect account information. 
It was not until chase reported me late on XXXX the XXXX I was contacted and informed that my payment never processed. I immidely verified my bank account payment and the pay was deducted. I disputed the late with the credit agency and cases still reported me late inspite of me trying to still pay my bills after being laid off with XXXX. After being laid of with XXXX I contacted J.P Morgan chase and informed them that I needed for them to give me thirty days deferment on the auto loan. I was told by the reversative my request was approved and that my next payment was not due until XXXX which I have proof this agreement was updated in my account. However chase still reported my balance past do by the credit agency's..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I am writing to bring to your attention a matter regarding my credit report. On XX/XX/XXXX, I contacted TransUnion regarding the following inaccurate information on my credit report. To this date, they have not responded. I am providing the details of the inaccurate information and the necessary corrections below : The following account is not mine : Creditor : XXXX Date Opened : XX/XX/XXXX Balance : {$670.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX  : {$390.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$300.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase Bank decided to Close both my Checking and Credit Bank accounts for nor valid reason. I called the bank to see how I can solve the problem, the department response was that they do after conducted a review of accounts. I for sure don't represent any regulatory, legal, or reputational problems to the bank for them to close my accounts. I have a great credit history, and all my life matter are stellar. At this point I don't see any justification to the bank decisions to close my accounts as unfair, predatory, and braking the rule of good banking practices. The XXXX failed to give me valid reason. The bank is living me running to figure out how to pay my credit card balance. I researched the problem online and it seems to me that Chase bank had a 35 % spike in closing consumer accounts. So it's high time that a consumer protecting agency steps in and stop this unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I tried to deposit a check of {$3200.00} that I received from work with my bank ( JPmorgan Chase bank ) and they have restricted my account and threatened to lock the account in 7-10 days. They keep asking me stupid questions and I tell them that the check is a check I received from work, they say they cant reach the company that issued the check, so I reached out to the company and they said the check was cleared and do not understand why Im having the issue with my bank. I was on the phone yesterday ( XX/XX/2023 ) for close to 6 hours calling multiple times and no one is able to help me. I have no access to my funds that were in there even before I tried to deposit the check and I find it so ridiculous that theyre making a consumer go through so much back and forth phone calls to resolve something they should be able to do as a business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Insikt, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
It has been over 4 years now my credit reporting is XXXX up. My bankruptcy fell off my credit last year. I am still currently a victim of identity theft. The IRS is still doing an investigation currently. I'm a victim of XXXX XXXXXXXX. Whoever took my identity tried to set me on XXXX some months ago. I just got out the hospital a few months ago with nothing resolved.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-26
Company: Experian Information Solutions 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX have account listed on my credit report that i didn't authorize or consent to open. several requests for my consume report have been made that wasn't authorized ( see attached ftc report under personal statement )

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 2019-01-23
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage is serviced by Ditech ( ditech.com ).

We carry a flood insurance policy on our home voluntarily. We are not required to carry flood insurance as part of our loan agreement.

When FEMA issued us a new flood insurance statement this year, they also sent a copy to Ditech. We are listed as the payer if we choose to pay for flood insurance. Ditech took it upon themselves to add the optional flood insurance policy to our escrow account, making it no longer optional.

I spoke to the flood insurance program on XX/XX/XXXX to ask if Ditech had the right to add the policy to my escrow and pay it automatically without my consent. I was told that Ditech is not listed as a payer on the policy and they only received a copy of the statement.

I spoke to Ditech on XX/XX/XXXX to request them remove the flood insurance policy and under no circumstances pay it, that we are the payer of the policy and we would pay for it directly if we decided to renew. I was told by Ditech that I had to fax them a letter stating I wanted it removed, because it was the law that if they received a statement for insurance they had to pay it.

I faxed them the requested letter on XX/XX/XXXX to the two fax numbers provided by Ditech. I followed up with Ditech on XX/XX/XXXXand was told they did receive the letter but it takes up to 10 days to process the request.

The next day the wired a payment for the flood insurance in the amount of {$2200.00} making my escrow account go into the negative that amount. By this point I had already renewed my flood insurance policy for a lower amount. I contacted the flood insurance program again and was told that they would not issue the policy twice so any payment Ditech sent would not be accepted.

I contacted Ditech back and told them that they sent that payment after I requested that they remove the account from my escrow, that they had no right to make the payment in first place, and they even sent the wrong amount. Their response was ... tough if the payment gets returned to them then they would credit my escrow account back.

Status as of XX/XX/XXXX, my escrow account is still negative from the {$2200.00} wire and the flood insurance policy is still listed on my escrow, now updated to be paid again next year and again for the wrong amount.

Our escrow is scheduled to be recalculated in XXXX  and this issue is going to become a lot bigger if it is recalculated before our escrow account is credited back the {$2200.00} that should have never been sent out in the first place.

By Ditech putting the flood insurance policy into our escrow and paying it without our consent, they are effectively making a voluntary insurance policy and non-voluntary insurance policy.

Ditech has been no help, they just send you from on department to the next without changing anything.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Chime Financial Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX I received an email welcoming me to a Chime account. However, I never signed up for a Chime account. I received an additional 3 emails asking me to set up direct deposit. I have heard that Chime sometimes sets up accounts without authorization. I would appreciate it if you could investigate this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: Resurgent Capital Services L.P.
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:
There are ( 2 ) collection appearing on my credit report by LVNV Funding. One seems to be from XXXX XXXX and another for. XXXX XXXX I am not sure how the XXXX XXXX appeared again as it was disputed before and removed. These accounts do not belong to me. The address that they are reporting to the credit bureaus does not match mine ( its missing XXXX XXXX XXXX ) on both. My identity was stolen and this could possibly be apart of that. Ive submitted documentation previously to support that and it still has not been removed. Ive also requested the contract, a copy of my ID, and address verification that this company is using to support the verification they are providing the credit bureaus. I have not signed and or submitted either of these items to the businesses so I am not sure how they are verifying its me. These items needs to be removed from my credit report immediately. I am very frustrated! This has impacted my credit greatly. 

Please remove, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX have account listed on my credit report that i didn't authorize or consent to open. several requests for my consume report have been made that wasn't authorized ( see attached ftc report under personal statement )

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 2021-06-05
Company: BARCLAYS BANK DELAWARE
State: VT
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:
On XXXX night I received a call from Barclays fraud detection line about suspicious transactions. They were indeed fraudulent, being described to me as in-person transactions in New Jersey at a place called XXXX, 3 transactions totaling {$450.00}. I filed the routine papers to indicate it was fraudulent. I later received a note saying Barclays had investigated and some of the XXXX items were fraud, but some were not. How they arrived at that decision was not explained. As monthly bills came in, there were late fees and interest charges, so I continued to call to protest the growing balance. I paid for any items which were legitimate charges, then discontinued use of the card. I wrote letters to their dispute resolution line, but never got any replies. Recently they sent me a letter stating they had received a notice of billing dispute from me regarding a charge from XXXX, a legitimate purchase I made, which I had paid for. I NEVER disputed that charge, as my payment for it would indicate. I have tried to call, but their fraud line is not open the hours as stated on their letters. I have sent back my destroyed card, via certified mail, but have not received the confirmation back from the USPS. I am fed up with their incompetence, and their effort to take my payments for legitimate charges to pay their fees and stiff the companies I purchased from. 

I have not included copies of documents because I dont want personal information published with this complaint. I do have documents, and will provide if requested by the federal office handling 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