BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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'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 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 non-monetary relief
Consumer complaint received 2023-05-10
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:
Consumer Reporting Agency are reporting account negative/late that are pending litigation through arbitration. All negative reporting such as late payments for account # XXXX XXXX XXXX XXXX listed on consumer report must be removed. Please delete late payments and remove account. Consumer reporting agency are continuing to sell account information that is in arbitration pending litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I've Had Two Accounts That Had Fraudulent Activity That Was Not Caused By Me Ive Also Disputed These Charges But My Accounts Were Still Closed Ive Recently Tried To Open A Navy Federal Account And I Was Able To Do So And One Day After I Received A Notification Saying My Account Was Closed Due To My Consumer Report And When I Called The Bank They Told Me My Account Had Been Closed Due To The Consumer Report & Was Instructed To Reach Out To The Consumers Report Agency But As It Stands Now Im Not Able To Open Any Bank Account With Any Financial Institution.

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 2023-05-16
Company: Comerica
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had fraudulent charges on my Direct Express debit card, i immediately call them and cancelled my card and they sent me paperwork to fill out. I received the paperwork XX/XX/2023 and filled it out and sent it back in XX/XX/XXXX via 2 day postal express and they received it XX/XX/2023. They denied it XX/XX/2023. I filed and submitted my police report number with the Sheriffs name and info included. I dont know how they investigate in 2 days on a XXXX  and XXXX  and deny that XXXX. They are frauds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: MS
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:
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


The bureaus did not remove the previous late payments and permantly close the account which is harming me and causing injury.

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 2023-06-22
Company: Shellpoint Partners, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2023 our property was hit by a tornado which completely destroyed our home and out buildings. It was a total loss, the home and buildings were gone. 
On XX/XX/2023 we reported this event to our home insurance company. 
On XX/XX/2023 we got XXXX checks from our insurance company for the home and out buildings. 
On XX/XX/2023 we sent by priority mail overnight the XXXX checks, to our mortgage company. 
On XX/XX/2023 we got notification that the checks were delivered to our mortgage company. 
On XX/XX/2023 we talked to the Loss Draft department at our mortgage company to check on the status of the pay out to us. We were told that the money was deposited on XX/XX/2023. 
On XX/XX/2023 we talked to the Loss Draft dept. again and was told that they could escalate this issue to management. 
On XX/XX/2023 once again we talked to the Loss Draft dept. and they checked on the escalation and said the day before it went to management. The rep gave us a link to a website to monitor each step of the process. 
On XX/XX/2023 we got on the website to check the process and saw nothing new. We then submitted a written question on the website and submitted that. 
On XX/XX/2023 we called the Loss Draft dept., the rep said that an email was sent to management XXXX weeks ago, then sent us to a supervisor. XXXX said she would call me back that day. She called back but did not have any further information as far as the process was going. 
On XX/XX/2023 we checked the website again and did not see any change in the process. 
In addition to the above, On XX/XX/2023 we signed a paper with a mobile home dealer to reserve a mobile home that we found that was a very good price for a new mobile home. We put a deposit down to reserve it. During XXXX of the conversations above we made the mortgage company Loss Draft dept. know this and that we are not building a house, just buying a new mobile home to put on our property in the place where our previous mobile home was. We made it clear that we are not building anything just placing the mobile home there. The mortgage company only wants to release half of the price of the mobile home and we would have to finance the other half. We can not get financing at this time. We also signed a paper that allows the mortgage company to communicate directly with the mobile home dealer/sales rep. 
The issue has yet to be resolved.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Comenity/Lands End Visa , a credit card account was opened in my name. I received the credit card though I never applied for it. It is either fraud, as in somebody has my personal information, or fraud in that they just issue cards to people that didn't ask for it. 

I called, and they wouldn't tell me the email address associated with the card, but did confirm it wasn't any of mine. 

They did cancel the card, and said they would instruct the credit bureaus to remove the account, though wouldn't guarantee that the credit bureaus would.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: OneMain Finance Corporation
State: MD
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 had a debt with One Main that they charged off. It shows on my report as charged off however the amount owed is incorrect from the original amount owed in addition to it stating that I have a balance owed. They also keep changing the date of the debt. It is over three years old almost but they have it reporting as a new debt. They can not charge the debt off and get compensated on their financial reporting status and still post on my credit report as a balance owed. XXXX says they have investigated more than three times I believe but will not delete the erroneous information on my credit report in addition to making it look as if it is a new debt. Please have the items removed from my report that are in violation of debt reporting guidelines. They have recently posted it as XXXX XXXX in the amount of over XXXX. As you can see the debt amount was XXXX and was written off by One Main Financial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-24
Company: Experian Information Solutions 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:
The items listed are reporting inaccurately on my credit report and are not in compliance. XXXX XXXX, Experian, and XXXX  are required under the FCRA to have a copy of the original creditor 's documentation on file to verify the

items listed below. this is the 3rd investigation, these accounts were never updated properly. I WANT TO REQUEST ONLY 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 or reported inaccurately. The law is noticeably 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 deleted immediately :  XXXX  # XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-26
Company: BANKMOBILE TECHNOLOGIES, INC
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The bank has cancelled the check they sent me. They closed my account instead of crediting the transaction, and everything that was paid with the check before they cancelled it has now bounced. I no longer have a current car payment, insurance, electricity payment, or merchant completed transactions. Each of them including the bank where I cashed it are charging me fees. Also, the replacement check is not listed in transactions, it is not at my mailbox, and they are trying to collect the balance owed by XXXX my kids

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 2022-07-06
Company: Social Finance, Inc.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX, I referred a friend for a SoFi banking account based on a promotion where we both would receive {$15.00} and I would receive {$25.00}. 

My friend completed all requires steps of creating a login, opening, and funding the account. However, a referral bonus did not post.

After discussing with an agent, I was told that Sofi decided to end the promotion early and that they were not currently paying out bonuses. I informed the rep that I met the terms before the promotion ended and they were unsure if the promotion would be paid. I was told a complaint would be filed on my behalf but never heard back. Today on XX/XX/XXXX, I reached out to Sofi again and they told me there were no longer any referral records or tickets logged on my account. They appear to have never investigated this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
An account appeared on my Transunion report on XX/XX/XXXX. The account stated it was from XXXX XXXX XXXX for the amount of {$390.00}. The account creditor turned it over to an collection agency : XXXX XXXX XXXX. Address : XXXX XXXX XXXX, XXXX, Florida XXXX. I spoke with the Collection agency on the XXXX and the XXXX. They could not find any record of an account with my name or social security. I also spoke to XXXX and they said that they do not have an account with that type of number. So I do not believe it is from XXXX. I also reported this to Transunion. This is not the first time these types of accounts have been reported on my account with Transunion. I would like a full investigation in this matter. I am not satisfied with the way Transunion handles these issues. I can declare with 100 % assurance that the account is not mine. I have never had XXXX services if it is an account from them. I have only had XXXX XXXX Services. Also, I have not received any phone calls or or anything in the mail to state that I owe anything.

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 2023-01-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On Wednesday, XX/XX/XXXX, I logged into my Chase card app and elected to pay the minimum due on both of my cards, which was {$40.00}. That payment was processed the same day and posted by Friday, the XXXX. Payment was due on the XXXX. 
On Monday the XXXX a random payment of {$170.00} was taken out of my checking account and applied towards my Southwest CC with Chase. This payment was never authorized and made after the minimum due was already processed. The company is trying to say that because I was enrolled in autopsy, I have no say in this transaction but I still have proof I paid before the due date and that it was posted. 
I will note that the {$170.00} amount is completely random, was not even related to my remaining balance on the card, and that NO additional payments were made on my second card with Chase, even though both cards have the same due date, indicating to me that a human must have pushed that payment through. 
There was also a payment in XXXX of ~ {$560.00}, which I didn't authorize but was willing to accept as a typo on my part since I had gone in to raise my minimum due to {$50.00} in light of the Fed interest rate hike... But now that payment seems suspicious under the current circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was referred to a brokerage by a friend that took XXXX deposits ( totaling {$15000.00} ) from me to setup my own XXXXt account in the XXXX XXXX XXXX. When I tried to withdrawal my money from the account after profiting a XXXX  XXXX dollars, the broker stopped answering all messages and my trading account disappeared. I have a lot more detail and screen shots etc. that can fit in this report including all of the scammer 's bank information. I have also attached details of my initial TCR Complaint and a followup FTC Complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am formally requesting this letter to update the following items in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 
XXXX XXXX XXXXXXXX Balance : XXXX 
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XXXX refuses to remove the late fees associated with my non payment due to financial hardship from leaving a XXXX XXXX situation. When I got my taxes I paid my charges balance and interest in full. I've tried to contact them several times. It has been a very difficult and never ending stress trying to turn my credit report around

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: VA
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 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 explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: IN
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 the CFPB due to not hearing anything back from the bureaus in regards to a account on my credit report! I have asked them to verify for months and send me where this is coming from. I even wrote the creditor. I need help identifying this account to see what it is. This account is affecting my credit report and I want to get this taken care of if this is indeed my account! No response makes me wonder where its coming from and what has been sent to verify it.

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 2023-05-17
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be fraudulent due to identity theft. The dispute inquiries do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that inquiries are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 response to consumer: Closed with non-monetary relief