BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX charges were made to XXXX of my XXXX XXXX XXXXXXXX accounts totaling {$90000.00}. There was a charge of $ XXXX on XXXX account and $ XXXX on another to XXXX XXXXXXXX XXXX. I contacted XXXX XXXX XXXXXXXX to dispute the charges and was told that it was authorized. When I asked by whom they told me that they could not reveal the phone number in which they authorized the charges nor the person that they spoke with to authorize the transactions. How can my cards ( which I am the sole user ) be authorized by someone other than myself? I disputed the charges verbally with XXXX XXXX XXXXXXXX and they are now reporting charge offs on my credit report. I have a police report showing the fraud on the accounts which was given to XXXX XXXX XXXX by XXXX XXXX whom I hired to get this resolved. I thought it had been taken care of as it is not showing through credit platforms such as XXXX XXXX and also was not on another report. I recently applied for credit and was denied as a result. This has not only cost me money in trying to repair my impeccable credit history but I am personally damaged by this reporting as I was not able to obtain business financing which resulted in me losing my retail business space for my business. XXXX XXXX XXXXXXXX is fraudulently reporting this information and has not provided me with the information required by the the FCRA and has violated my rights under the FCRA.

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 2023-09-27
Company: Chime Financial Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Around XXXX I ordered some pants off XXXX paid expedited shipping it was never received but it says delivered at the time it was delivered I was in XXXX Arizona and have proof I can show flight tickets! When I got back I had no package so I contact chime and file a dispute and now they saying its valid! Its not right if I never received the product I paid for this is the second time they do this!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Patenaude & Felix A Professional Corporation
State: MO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX  XXXX  keeps calling and writing about a debt they acknowledge in their written communications that they can no longer sue me for or report to a credit agency. If it is too old to collect, they need to stop contacting me. This is what they state " The law limits how long you can be sued on a debt. Because of the age of your debt, National Collegiate Student Loan Trust XXXX can not sue you for it and this debt can not be reported to any credit reporting agency. XXXX XXXX, XXXX can not sue you on this debt and XXXX XXXX, XXXX can not report this debt to any credit reporting agency. '' They need to stop contacting me. This is harassment. I am not stupid enough to start the clock all over again by sending them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.

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 2020-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I can not get Merrill/Bank of America to change my address on my account. In XXXX I discussed this with them using online chat. Subsequently, I mailed a request with supporting documentation to the address I was provided in the chat session. They failed to respond and I received account information including tax information late because it was forwarded from our previous address. I followed up with another written request ( letter ) in XXXX requesting a response confirming the change of address. At this point, no response has been forthcoming and I need assistance getting this promptly and properly resolved.

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 2023-04-29
Company: Convergent Resources, Inc.
State: PA
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 Section 604.A Section 2 : It also states a consumer reporting agency can not fumnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/XXXX I sent a letter for inaccurate and unknown things on my credit report. It has been over 35 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item within 30 days gives reason to immediately remove those items from my credit report. It has been over 35 days so they should be promptly corrected. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that this account be corrected immediately : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: EQUIFAX, INC.
State: PA
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 an account with XXXX XXXX that I disputed due to incorrect reporting. Since the dispute XXXX has proved my calculations to be incorrect. I since then accepted their response and am no longer disagreeing with their reporting and am no longer disputing their response. 

I am not in dispute with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Universal Payment Corporation
State: TX
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:
To start off, Universal Payment Corporation, is the name XXXX or whatever name XXXX is using now, used to defraud me like they did many people in the United States. Yeas ago, all that XXXX got me to do was sign a contract for their services, that they never provided to me, they did nothing, that is why there was a class action law suite against XXXX, the court sent me a letter about the law suite , all credit bureaus were supposed to delete all the information that was in error, they defrauded me also, I never owed Universal Payment Corporation, anything ......

Company response to consumer: Untimely response
Consumer complaint received 2023-03-20
Company: CMG MORTGAGE, INC
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
1. XX/XX/XXXX : I contacted XXXX XXXX, NMLS # XXXX, of NextMortage, NMLS # XXXX, to obtain a mortgage for a property I would be purchasing in Maine. 
2. XX/XX/XXXX : I received a pre-qualification letter. 
3. XX/XX/XXXX I sign my Intent to Proceed documentation at 5.8750 %. 
4. XX/XX/XXXX : XXXX states Once my rates are out for today, we can get that secured for you with a XXXX lock with ample time to get us through your proposed closing date of XX/XX/XXXX. 
5. XX/XX/XXXX : XXXX request information on loan terms. XXXX fails to reply. 
6. XX/XX/XXXX : XXXX sends interest rates to XXXX for rate lock selection. 
XXXX questions XX/XX/XXXX, rate lock statement. XXXX fails to answer question. 
XXXX select 6.25 % with 0.2 points. ( Above my Intent to Proceed documentation ) XXXX receives a Change in Loan Terms document. 
7. XX/XX/XXXX : My closing attorney XXXX & XXXX question XXXX on why XX/XX/XXXX rate lock did not happen. XXXX states I did not communicate to her after XX/XX/XXXX to lock my rate. This is untrue as I questioned here by email on XX/XX/XXXX. XXXX did not reply. XXXX signs rate lock document. 
8. XX/XX/XXXX : XXXX signs Closing Disclosure document. 
9. XX/XX/XXXX : XXXX AM Closing postponed. 
10. XXXX leaves employment at XXXX sometime before my closing. 
11. XX/XX/XXXX : XXXX AM Closing postponed. 
12. XX/XX/XXXX : My Clear to Close notice is delivered by email from a XXXX XXXX ( NMLS # XXXX ) and XXXX XXXX ( NMLS # XXXX ) who continued the bait and switch rate scam begun by XXXX. 
13. XX/XX/XXXX, XXXX PM Mortgage Closing Takes Place

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have asked  Portfolio Revovery Associates, LLC  to send me verification that this bill is mine and all they send me was a bill. I need verification such as a contact or signature stating that I had this bill. I received a  Bill . This was    XXXX   XXXX   ,  2013   .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XX/XX/XXXX called Bank of America to assist me in filing a hardship as I am a victim of hurricane Michael. I am unable to work and have no income at the moment. I was on the phone for over an hour being transferred several times or not being helped. I was told only late fees could be waived and I could not get my payments postponed. They advertised online that they were helping customers with hardships and working to help in disaster relief, but stated over the phone that this was not true. I have emails that show to call BOA for assistance during this hard time and also online mortgages were allowed to be put on forbearance. No one sympathized with this horrible situation. 
Once I return to work, I will have several months due at one time which is unaffordable. I was requested to call back every month to state if i can not pay just to let them know. I was also told to call back WHEN I could pay. All my other creditors understood and did NOT falsely advertise. I had the right to request a hardship and I wasnt allowed and I am in a federal disaster area. My town is having to be rebuilt from the ground up. By not helping your customers in need you will drive our community into bankruptcy as an only option.

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 monetary relief
Consumer complaint received 2023-11-02
Company: Celebrity Financial, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Changes in loan terms during or after closing

Complaint:
Hello, In XXXX of XXXX my husband and I purchased our home for $ XXXX and selected XXXX XXXX of XXXX XXXX XXXX/ Celebrity Home Loans as our lender. We agreed to a XXXX loan and planned to put 10 % down, have 80 % in a mortgage and 10 % in a HELOC. However we went to close on the home we were put into a XXXX. We are now in a position of imminent default because so much of our home loan is in an adjustable rate HELOC. We attempted to refinance in XXXX and XXXX of XXXX but the home value came in 20 % lower than the purchase price and we were unsuccessful. I feel strongly that we are victims of a predatory loan, that unfair practices were used to put us in a home loan with 40 % in an adjustable rate HELOC.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX charges were made to XXXX of my XXXX  XXXX XXXX accounts totaling {$90000.00}. There was a charge of $ XXXX on XXXX account and $ XXXX on another to XXXX XXXXXXXX XXXX I contacted XXXX  XXXX XXXX to dispute the charges and was told that it was authorized. When I asked by whom they told me that they could not reveal the phone number in which they authorized the charges nor the person that they spoke with to authorize the transactions. How can my cards ( which I am the sole user ) be authorized by someone other than myself? I disputed the charges verbally with XXXX  XXXX XXXX and they are now reporting charge offs on my credit report. I have a police report showing the fraud on the accounts which was given to XXXX  XXXX XXXX by XXXX XXXX whom I hired to get this resolved. I thought it had been taken care of as it is not showing through credit platforms such as XXXX XXXX and also was not on another report. I recently applied for credit and was denied as a result. This has not only cost me money in trying to repair my impeccable credit history but I am personally damaged by this reporting as I was not able to obtain business financing which resulted in me losing my retail business space for my business. XXXX  XXXX XXXX is fraudulently reporting this information and has not provided me with the information required by the the FCRA and has violated my rights under the FCRA.

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 2017-07-18
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I applied for a parent plus loan to help my daughter who was going to college at   XXXX   XXXX   XXXX   in   XXXX   XXXX  , SD. I have had student loans myself so the paperwork and application process was not new to me. I also work in the financial industry and actually processed student loans as part of my banker/manager position. My daughter went to school the  XXXX  of  XXXX . She chose to take a break from school in  XXXX  of  XXXX . I contacted Navient to discuss options for the repayment plan for the loan. We were denied deferment or forbearance and was charged capitalized interest right away on  XX/XX/XXXX  for {$1000.00}. Payments began the following month on  XX/XX/XXXX and each month thereafter. So I 'm paying the capitalized interest of over {$1000.00} and also interest compounded on top of that. Something is wrong here! I am attaching the history of our payments, breakdown of interest, capitalized interest and what has been applied to principal. Please let us know if this is legal.
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: WELLS FARGO & COMPANY
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello, I opened a Wells Fargo checking accounts more than 4 months ago. ( Precisely on on  XXXX  2017. ) There was a 250 usd bonus tied to the account opening in case I perform the following actions : -two direct deposits or 10 transactions on my debit account.
I clearly did more than 10 transactions during the first month.
It 's been more than 4 months and I still haven received my 250 usd bonus money.
I called wells fargo several times, and they are not being responsive.
I need my deposit asap!!!
I feel cheated!
 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 2017-07-18
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I discovered last month that   XXXX   XXXX   XXXX   is still continuing to report mortgage payments located at   XXXX   XXXX   XXXX  .   XXXX   , GA to creditors. I contacted them last month and advised that this loan was filed under Chapter  XXXX  in  XXXX . I was not provided any assistance. I reached out to  XXXX  and  XXXX  and filed a dispute. I received the message dated  XX/XX/XXXX  from   XXXX   : Discharged through Bankruptcy Chapter  XXXX . This account is scheduled to continue on record until  XX/XX/XXXX . I contacted the bankruptcy attorney who advised that this account should not continue to be reported on my credit. It is being reported to all credit agencies. This debt was included in Chapter  XXXX  back in  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: IL
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:
Experian continues to report this alleged bankruptcy. I contacted the clerk of court and requested validation of this alleged bankruptcy and they stated they do not release court records to anyone other than the parties to the case or legal counsel. 

I have requested validation of this alleged bankruptcy and Experian has provided me with no records of this alleged bankruptcy nor has 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 2020-03-29
Company: EQUIFAX, INC.
State: SC
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 contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the Consumer Finance Protection Bureau. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize.I did some research on how you handle consumer disputes. I believe you use a system called E-Oscar to handle investigations. Please do not rely on this system because its not 100 % accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: Choice Recovery, Inc.
State: OH
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:
Reviewed my credit report and a medical account was added I am allowed under the HIPPAlaw [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX 'S COLLECTIONS # XXXX, CHOICE RECOVERY INC # XXXX, CHOICE RECOVERY INC # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX 'S COLLECTIONS # XXXX, XXXX XXXX XXXX # XXXX, CHOICE RECOVERY INC # XXXX is to only be revealed with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPPAauthorization.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: IL
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:
Experian and XXXX continue to report this alleged bankruptcy with no validation or verification from the court. I called the clerk of court and they stated they release no such records to any outside party to the filing or legal counsel. I keep asking for verification of this alleged bankruptcy and no such proof exist.

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