BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-29
Company: MRS BPO, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in XX/XX/XXXX I discontinued service with XXXX  and sent all the equipment back. I did everything I was supposed to do. Then in XX/XX/XXXX, my credit score dropped and I see that XXXX  sold my account to a debt collector. It put a collections on my account for the equipment not being turned in. I disputed the charges and called XXXX  directly. They stated my account was Paid in Full and weren't sure as to why it was put in collections. That dispute was deleted. Then in XXXX of XXXX another collections was added to my credit report for the same thing! I disputed that as well and it was taken off! NOW AGAIN ... XX/XX/XXXX same creditor put the collections on my account. I've called XXXX  and could not get ahold of anyone. Called MRS Associates ( The collection company ) who stated they could not find my account, and I reached out to XXXX  ( Original creditor ) and they AGAIN stated they show my account being closed and in good standings! I want this to stop and want to know what actions I can take to make sure this doesn't happen a 4th time!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize these inquiries that are shown on my transunion credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2021-07-06
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: Information belongs to someone else

Complaint:
I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: CCF Intermediate Holdings LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had a loan that was cancelled out in a bankruptcy in 2009. I was told to reach out and file a claim as the loan company I had it with shows nothing on file with them. I have been getting nourmrios calls from collection agency 's threatening me stating, my wages will be garnished, have to appear in court, and attested. My family members also are receiving calls in regards to this. I have a letter stating it's clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
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 made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-08
Company: LoanCare, LLC
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: Account status incorrect

Complaint:
On XX/XX/XXXX I received a credit report alert from XXXX that my mortgage acct was 120 days past due. I called loancare in regards to this and was informed that the 120 day was reporting for XX/XX/XXXX. I don't understand how that can be being that I was in an active forbearance during that time and I am still in an active ch. XXXX and was informed no negative information would be reported. I need some to correct this expeditiously because this will stop me from qualifying for my new home. My loan number was 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 2023-11-10
Company: EQUIFAX, INC.
State: FL
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:
THIS COMPANY TAKEN WELL OVER THE INVESTEGATIONS 99 DAYS AND ACCOUNT NAME. [ XXXX XXXX ] Highest balance {$34000.00} Monthly payment {$770.00} Opened XX/XX/2021 ( XXXX yrs, XXXX mos )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: BROKER SOLUTIONS, INC.
State: MO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I applied for a home refinance cash out loan XX/XX/XXXX. At application i stated my home was worth XXXX. I owe XXXX on my home currently. I was looking to take cash out, but to stay at 80 % loan to value. I got approved for the mortgage, and home was sent for appraisal. On XX/XX/XXXX I was sent documents to sign to lock in my rate and fees on the loan. The appraisal came back at XXXX on XX/XX/XXXX. The loan officer working on my file, XXXX XXXX with New American Funding, called me ON XX/XX/XXXX to say the loan came back less than the XXXX they had manually estimated the homes value at and needed to change the loan. They sent me new docs to sign which included XXXX in extra fees even though I had already locked those fees and rate in on XX/XX/XXXX. It had not been 45 days. 

I asked him about this and he said he would get back to me. It has now been 15 days and I can not get a call back from the company. 

During that time my homeowners insurance company informed me that they had not received payment from NAF and my insurance was going to lapse. New American Funding had me change my lien holder prior to loan closing. Now my insurance has not billed my current mortgage and will not because they are not listed as the lien holder. I have emailed XXXX XXXX about this 4 times starting Monday XX/XX/XXXX through today. No response. I have called him and he said there was a snafu with my loan and the vp is looking at it. It will be taken care of, but still nothing. They are stalling the loan to get outside of the 45 day lock.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: EQUIFAX, 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:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: XOOM CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2021 I submitted a US {$1000.00} transfer from Xoom to my Bank Account in XXXX ( Xoom reference number XXXX ). I had in the past successfully transferred fund using Xoom and other money transfer agencies successfully to same account. 

XX/XX/XXXX Xoom confirmed funds were successfully transferred. However, funds never reached the destination account. I have verified my bank account frequently and statements in the hope it was a delayed delivery case. 

The worst case is I contacted Xoom customer service. First of all it is very difficult to get them on phone - waited too long, but finally emailed with transaction number. To my surprise the response from Xoom support is as given below : " We reviewed your transaction XXXX and can confirm the funds Were paid out to the designated recipient. This closes our investigation, but we will be happy to review your recipients bank statement with you to help locate the deposit if needed. " They unilaterally closed the investigation without addressing my issue. The response is not in line with any US legislation that financial companies are expected to follow. Even though it is not needed, I still shared my personal bank statement at the insistence of the Xoom customer service. I requested escalation of the issue within Xoom support and I was promised on Mon XX/XX/XXXX someone will contact me. I provided my cell phone number which they already have. They did not reach back to me. 

Customer support is provided from XXXX and XXXX. It seems they are trained and/or incentivized to close investigation rather than resolve genuine issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 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 2023-11-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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 XXXX XXXX XXXX have Fruad account appearing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I requested a check for a rent payment from Chime bank on XXXX. They subtracted the amount from my account on the day, but failed to send the check on my behalf. I was then sent the following email on XX/XX/XXXX : " Hi XXXX, Were reaching out to let you know that one or more checks you requested to be mailed on your behalf has experienced a delay and is currently expected to be delivered to the recipient by XX/XX/XXXX. 

If you need to make this payment urgently or have any questions about this message, please dont hesitate to reach out to us by responding directly to this emailwere here to help. 

We apologize for any inconvenience this may have caused. Thank you for your patience, and for being a Chime member.

Sincerely, The Chime Team '' This could potentially have a serious impact on my rental situation. I asked them for detail as to what had happened, where my money was for the month, and why they were only just letting me know what had happened ( 22 days afterward ). I received the following response from Chime : " Hi XXXX, After taking a careful review of your account, I was able to verify which checks experienced a delay to be delivered, they were the one ( s ) requested from XX/XX/XXXX to XX/XX/XXXX. 

I assure you the checks will be delivered no later than XX/XX/XXXX as stated in the email. What I can do at this moment is cancel the checks to have the funds returning to your account in 3-5 business days. I would strongly suggest you use the direct debit feature providing the biller your account number and routing number for an electronic transfer. 

Please confirm if you want to proceed with this option and I will do it right away. We appreciate your patience with this matter. Here are the checks affected by the unfortunate delay : LANDLORD XXXX XXXX XXXX PDT I look forward to hearing from you. 

Thanks, XXXX XXXX Chime Member Services ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
While banking with Wells Fargo I received my debit card and went to make my first deposit in a drive up ATM after hours ( XXXX, Tx location ) I had somehow managed to accidentally get a clothing tag stuck in between the stack of cash that I was depositing. It had, unfortunately jammed the machine, and spit out the majority of the cash that I had deposited. However, there was still money stuck in the machine of an unknown amount in the denomination of {$20.00} bills. When I had made a claim I had let them know it was between {$100.00} and {$300.00} and {$20.00} bills stuck in the machine after over a month and a half, I have been told twice now after re-opening my claim that there was no cash to be found inside the machine, and that the machine was balanced, which I know is physically impossible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: EdFinancial Services
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
When I signed up for payments through Edfinancial the representative stated my loans would be paid off in 10 years. Also, during Covid I told them to continue to deduct my loan payments after I got an email. I looked today at my tax documents and they have not taken 1 automatic payment since XX/XX/2020. This institution is very fraudulent and need to be sanctioned heavily.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: TX
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:
FCRA violations : accounts are not mine XXXX XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2600.00} Status Account charged off. {$2600.00} written off. {$2600.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$17000.00} Status Account charged off. {$17000.00} written off. {$17000.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} Status Account charged off. {$2.00} FCRA violations : not my addresses XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX type Single family XXXX XXXX XXXX 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 2023-11-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I posted my resume to several online remote jobs. I received an interview appointment by going to https : XXXX Reference Code : XXXX. A person posing as XXXX XXXX XXXX hired me and then had me fill out employment forms, which included a picture of my FL driver 's license, copy of my social security card, and a self-picture for an employee ID. I sent them to XXXX. In order to set up a home office, I made XXXX XXXX payments ( XXXX x {$500.00} ) via my debit card to XXXX XXXX ( XXXX ) XXXX for home office equipment. Then, I purchased ( XXXX x {$500.00} ) XXXX XXXX XXXX and then another {$400.00} worth of XXXX XXXX XXXX. All of these purchases were made using my Chase XXXX card. During this time, I communicated with a person posing as XXXX XXXX ( XXXX ) and a person posing as XXXX XXXX XXXX ( XXXX ). The additional emails for XXXX XXXX via XXXX teams were : XXXX and for XXXX XXXX XXXX via XXXX teams was : XXXX. There was also a person named XXXX XXXX who sent me an email via XXXX and then asked me to respond to XXXX. In total, I am out {$3400.00} and Chase has denied helping me with a return of these funds to my checking account. I have their letter indicating their decision, that is attached to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: NY
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 sent a letter to Equifax on XX/XX/23 to remove inaccurate credit information. After 30 days of no response, I followed up with another letter on XX/XX/23, and still no response. I plan to send a third letter this week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: TX
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian/XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief