BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 previously submitted a complaint regarding identity theft and provided a Police Report and an FTC Report. The fraudulent items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? These accounts do not belong to me. Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or removed immediately : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
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:
I have submitted numerous complaints regarding the same accounts. I have provided the evidence that they have to remove the accounts. Equifax in particular has opened the accounts back up which is 100 % ILLEGAL. They had the accounts as closed and charged off. Some accounts have other debit collectors with the same accounts as closed. How can you let them get away with this? 

Equifax has the items on my report but the other bureaus have removed the accounts because they found in the investigation to not have the information to verify the items. How can they remove them but equifax still have them as verified? Now XXXX  has opened closed accounts up and my score has dropped 90 points because of this. How can you open a closed charged off account? How can you have a debit for 3 different company 's on the same account? They have repeatedly posted inaccurate information on my report and at this point I think they should be fined.. I will provide the proof once again in the attachment. 

1. The disputes letters 2. The removal of the accounts from the other bureaus ... 

Please remove the items and send me the confirmation letter. If not a law suit will follow. This is my last attempt to fix this situation. Its been almost 5 months since I notified you on the matter..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: STERLING JEWELERS, INC.
State: MD
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:
I received 2 phone calls from a company called XXXX from a phone number XXXX and told me to call back an XXXX. One at XXXX on XX/XX/2020 by a person named XXXX left me a voicemail saying she has documents that has been issued to the office that if I don't respond by the end of the day they will be come to my job and/or home to issue the document. 

At XXXX same day XX/XX/2020 a guy calls me at work and initially started talking to me like he knew me asking if I was at work or home today. I told him I am at home but my. phone calls are forwarded to me. He then proceeded to tell me I owed on an account from Kay Jewelers in the amount of over {$1200.00}. I told him I would need to see this information because I don't believe I owe them that money. He told me they already made the necessary attempts to collect on the debt by mail and I should already have that information and I would need to pay the amount. He then proceeded to tell me the original amount was around {$600.00} and with fees and so forth I now had to pay {$1200.00}. I told him I do not agree with that and he said it did not matter if I agreed or not. He wanted me to agree with it without looking at the documentation. He told him if I look at my credit report or contact Kay Jewelers they will tell me the same thing. I let him know that I will not agree to anything unless I see the documentation. He then started telling me what my social security number was and asked if I needed the account number. I told him to do what he needs to do and hung up with him.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chime Financial stole my money I made a deposit from my account which was my payroll check that I liked to put into my chime and then I got a email saying my account was suspended please send documents verifying identify and deposit, I sent bank statements, ID, deposit information, utility bills, verifying address statements statements and more statements then account closed! These people caused me to get a eviction n now I am now living in a shelter due to me having all the money I had gone! I mean this was a extremely stressful I have XXXX kids, I am getting a lawyer to really get my documents and then tell me I wont be getting a refund and continue to give me a automatic text? Is illegal and fraud Im not just suing for my money Im suing I found a lawyer who will help me lawyer who will help me seek funds because with my valid documents I will win my case this for loss of wages, emotional distress and money and food replacement

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
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: Investigation took more than 30 days

Complaint:
I filed a dispute with Equifax on XXXX regarding a collection account that is on my credit report. The Equifax dispute confirmation number s XXXX. The collection account was reported by a company called XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, MO XXXX for {$210.00}. I have no knowledge of this debt and have never received notice of the debt which I believe is a violation of the Fair Credit Reporting Act. The dispute I filed with Equifax stated as much. The dispute was required to be completed in 30 days on XX/XX/XXXX. As of today, XX/XX/XXXX, the dispute is still showing on myEquifax.com as under investigation and has exceed the 30 day limit. The collection account is severely impacting my Equifax FICO credit score. I've attached the email confirming my dispute and a screen capture taken today from myEquifax.com showing that the dispute is still active. I also filed disputes with XXXX  and XXXX  regarding this account and the account was removed from credit report within 48 hours. I have repeatedly called to try and communicate this information with Equifax and they still have not resolved the dispute. Furthermore, I received a notice from XXXX XXXX XXXX in the mail dated XX/XX/XXXX stating that I have 30 days notice to dispute the validity of the debt. This was received only after the account was posted on my credit report which is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: Elevate Recoveries, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Today XX/XX/18 at XXXX XXXX I received a call from elevate recoveries agent XXXX XXXX she started the call by talking about my son and his birthday and the age he is not introducing her self or the company she worked for. This made me uncomfortable when I asked what I could do for her she only then informed me that she was attempting to collect a debt after informing her I am not working and just had another child she began to ask who watches my kids where they are watched, how I pay for diapers and wipes and formula when I told her that was none of her concern she began to tell me if I had money for that then I had money coming in from somewhere I informed her my children were of none of her concern and she just started all over again with the invasive questions. I ended the call and called back and spoke to supervisor who only condoned her behavior this agency has my phone number address and my childrens names I am genuinely concerned for the safety of my children.

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 2023-11-28
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been forced not to use my credit solely by unethical incompetence adults that handles my credit report at Experian none of my information have been accurate over the last 10 plus years this is unfair unacceptable I have high interest rate on all plus 9 credit cards I have based off this company actions only that failed to keep my information updated within a timely manner month to month as the law requires Dont listen to the lies I asked that this company is fined and flagged with this complaint I want the person that handled all my disputes fired have been in need of a Car since XX/XX/XXXX of XXXX. 

The screenshot are taken today from the app as the the old date is clearly not updated month to month as the law requires The fair credit at law has been broken If you check, my recent inquiries for updated credit, it has been denied based off of Experian credit report and Experian credit report only

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I had a loan out from XXXX XXXX. Then I just received a Wells Fargo credit card. I was told I could balance transfer the XXXX XXXX XXXX to WF credit card at NO interest. I was having a hard time trying to use the credit card, so WF said they would send a check, but then when XXXX XXXX got the check, they said it wasn't valid. So, back trying to use my card, then it went through. Now, I'm getting interest charges on that transaction. Then I got in touch with WF and said they couldn't do anything. 
I'm trying to go into my WF cre0dit card account to find the dates this transaction and my account is now closed.

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 2023-11-28
Company: Amsher Collection Services, Inc.
State: NC
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
AmSher - Debt Collection XXXX/Charter - Original Biller I disputed the debt and filled out their dispute form on XXXX XXXX. I received no response from my filing and was contacted again onXX/XX/XXXX from a representative telling me I needed to pay the debt. When I asked about the outcome of my dispute, the man became irate and would not tell me the outcome. He put me on hold and ended up hanging up on me. I emailed the manager and asked for that individual to not call me again. I never heard back from that group but the debt has since been transferred to another agency ( Im still disputing ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon reviewing my Equifax credit report, I have identified several significant inaccuracies that require immediate attention. The discrepancies are as follows : XXXX. XXXX XXXX : ** The account with the account number [ XXXX ] is listed as " Derogatory '' on [ XX/XX/XXXX ], despite the fact that it has been correctly reported as " Paid '' and " Closed '' by other credit bureaus. This inconsistency is misleading and negatively impacts my creditworthiness. 

XXXX. **Date of Last Activity : ** The reported " Date of Last Activity '' for the same account is listed as [ XX/XX/XXXX ], which contradicts the accurate reporting provided by other bureaus. 

XXXX. **Payment History : ** The payment history for this account is not accurately reflected. While other bureaus report " Paid, '' Equifax continues to list it as " Derogatory. '' 4. **Credit Limit : ** Equifax states that the credit limit for this account is {$0.00}, which is inconsistent with the accurate reporting provided by other credit bureaus. 

XXXX. **Creditor Remarks : ** Equifax includes remarks indicating that the account was " Canceled by credit grantor '' and the " Amount in H/C column is credit limit, '' which are not present in the reports provided by other bureaus. 

XXXX. **Account Type : ** Equifax classifies the account as belonging to " National Credit Card Companies, '' which differs from the accurate classification provided by other credit bureaus. 
7. **Payment Frequency : ** Equifax does not provide information regarding the payment frequency for this account, while other bureaus accurately report it as a " Secured credit card. '' 8. **Account Rating : ** The account is labeled as " Derogatory '' by Equifax XXXX which contradicts the accurate reporting provided by other bureaus. 

As per 15 USC 1681i, consumers are entitled to accurate and fair credit reporting. These discrepancies are causing undue harm to my credit profile, and I kindly request Equifax 's immediate attention to rectify these issues. 

I appreciate your prompt action in accordance with federal regulations and look forward to a swift resolution. If additional information is required, please do not hesitate to contact me. 

Thank you for your cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: Self Financial Inc.
State: LA
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 have an account named ( SELF FINANCIAL/LEAD BANK ) on my credit report that has been cancelled for months now still havent updated on my credit report. Also I have so many inaccurate addresses on my credit report that XXXX wont let me dispute. Also I have a personal statement/ consumer report / fraud alert on my credit report I have been disputing these same items for months no RESPONSE OR ACTION HAS BEEN TAKEN. 
I was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: UNITED FIDELITY FUNDING, CORP
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX I sent a check in the amount of {$1800.00} to united fidelity for my mortgage and {$500.00} to go to escrow. 
They received my check and cashed it I was thinking my mortgage was payed as I am trying to refinance I was set to close on XX/XX/2021 when they tried to get my payoff they said I still owed my XXXX payment so I called and finally after 1.5 hours on hold I got through and they said they didnt know what to do with the money so they just held it making me late on XXXX payment I told them to apply XX/XX/XXXXto escrow and the remainder to my mortgage. The refinance company called me Monday XX/XX/XXXX saying they still have no payoff amount so I called United fidelity and spoke with three people and they said it all went to escrow and they would send a request to get it fixed. I called today XX/XX/XXXX and it is still not fixed and try back on Monday. I now have to pay extra to extend my interest rate lock and have to make another payment past due because they failed to do their job

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I submitted a Employment Certification form to FEDLOAN SERVICING on XX/XX/XXXX to certify 5 addition months towards loan forgiveness. 

I have contacted them several times in regards to this. Now, that I'm closer to the 120 month requirement, they have not certified the additional five months. 

My account was in review for several months back in XXXX for this VERY SAME THING. I'm employed with the same employer, XXXX XXXX XXXX XXXX, for the entire ten years. 

It's almost time for my loans to be forgiven and I want this to be a smooth process. Can you please assist with getting the previously submitted Employment Certification form processed so my account will reflect accurate information. Because as it stands right now, the information is inaccurate. The total to date should be XXXX Certified payments and XXXX Eligible payments. XX/XX/XXXX would not be certified as a new Employment Certification form would be needed. 

Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
We entered into a construction loan with TD Bank in XX/XX/XXXX with the goal of building our dream home. Unfortunately, we have had a terrible experience with our builder ( XXXX XXXX ) and have had to fire her. In doing so, we became aware that TD Bank gave her $ XXXX from our account in XX/XX/XXXX after she submitted forged paperwork requesting these funds ( she signed in our place and without our authorization ). This was also against the terms of the contract with TD Bank, which clearly stated that no funds could be disbursed until the builder had obtained a building permit ( email attached ). For context, we still do not have a building permit today. Lastly, this follows written assurance from TD Bank in XX/XX/XXXX that no funds had been disbursed ( email attached ). 

TD Bank initially recognized their error when we brought it to their attention, and immediately reversed the funds and confirmed our account was whole ( email attached ). This upset the builder, and she is disputing this with the bank. 

Now we are receiving emails from the bank 's attorney that they believe the $ XXXX should be returned to the builder. We have made it clear that we do NOT authorize the disbursement of any funds and that we are pressing criminal charges against the builder. We do not understand the bank 's position other than desperately trying to cover their tracks for this error and force us to incur the cost of a litigator against both entities. 

At the same time, the bank is refusing to disburse any funds to our new builder until this is resolved, effectively holding our funds hostage ( email attached- same as the " no disbursements can be made without a building permit '' as described in first paragraph ). 

We trusted the bank to be our advisor and are feeling betrayed by this turn of events and the bank 's lack of support in what is clearly a stressful time for our family. What we are asking for now is assurance from the bank that our account is and will remain whole, and that the bank will handle the complaints from XXXX XXXX about the $ XXXX themselves and leave us out of it. 

We in turn will be pursuing our own charges ( criminal and civil ) against XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: CA
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 sent a letter asking Experian, XXXX, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
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:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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