BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: VA
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 regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-11-17
Company: Experian Information Solutions Inc.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/XXXX i sent my XXXX disputes letters No action was taken Experian. The company did not process my disputes at all.i spoken with XXXX of the agents who verified that.

Company response to consumer: In progress
Consumer complaint received 2023-05-05
Company: PENNYMAC LOAN SERVICES, LLC.
State: KY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I entered in to forbearance with Pennymac. At the end of the forbearance I attempted a loan modification due to impacted income due to injury. 

Through the process I would get 1-2 automated calls per day. When I would return the call I was told nothing was needed and someone would reach out. After month of this process and getting people on line to assist I was told I needed to send another document that had been sent month earlier. From the time I hung up till the time I called back was lass then 30 minutes and they had declined the modification and filed notice to foreclose. They reopened the modification the next day and took weeks on the decision. During that time my credit score dropped XXXX points. They later declined the modification and I paid Al of the money I was behind. 

Now I am in a situation where I have a year of late payments from forbearance that arent supposed to show as late payments, along with fees for being late I wasnt supposed to have during forbearance. 

The process with Pennymac will lead to many losing homes. The length of time the process took was the reason my loan was denied, over 4 months my income dropped till I could no longer qualify.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-08
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Deleted consumer twenty two plus year credit history. Repeated offense. Denied access to credit report after receiving consumer complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: National Credit Systems,Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
National Credit Systems is attempting to collect on debt from XXXX XXXX XXXX XXXX XXXX. I had originally disputed the debt to XXXX as being invalid, and I was originally unaware of the debt to XXXX XXXX XXXX, but also maintain that debt is also invalid. 

The debt to XXXX  is invalid because XXXX  made an insurance payment to XXXX XXXX XXXX in the amount of {$1000.00} that was invalid for the following reasons : - XXXX XXXX XXXX charged me XXXX XXXX for renter 's insurance, despite me having my own insurance and notifying them of that fact. The total amount was {$75.00}. 
- XXXX XXXX XXXX charged me {$810.00} for early termination of my lease. However, I terminated the lease because they violated the lease agreement by failing to fix a broken gutter that was hanging dangerously close to the electrical lines after being notified of the damage. By violating the terms of the lease, I can not be charged a fee for moving out early. Additionally, the original lease agreement does not mention the {$810.00} fee. 
- XXXX XXXX XXXX charged an excessive amount for cleaning. {$60.00} to vacuum some pet hair, {$150.00} to mop floors, and {$120.00} to wipe down appliances. 
- The total charged by XXXX XXXX XXXX was {$1200.00}, of which XXXX paid {$1000.00}, despite me disputing the charges. 

The debt to XXXX XXXX XXXX, in the amount of {$230.00}, is invalid because it is the total fee minus the amount paid by XXXX. 

I have attempted to discuss the invalidity of the debt with National Credit Systems, but they have refused to look into the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am the consumer and this complaint is filed by myself with no other third party. XXXX and Transunion likes to send nonsense auto generated responses to buy themselves time or to fullfill their 15 day response obligation to the CFPB. With XXXX  and Transunion I have Multiple Accounts that are in violation of FCRA 623 ( a ) ( 3 ) because they fail to provide the legally required notice of dispute. I demand these accounts be DELETED IMMEDIATELY or a lawsuit will be filed against XXXX  and Transunion as well as the creditor for willfully violating FCRA 623 ( a ) ( 3 ) by continuing to reporting these accounts on my file without the required notice of dispute. The companies named in this complaint ALL HAVE a legal duty to REMOVE THESE ACCOUNTS because by law, they are NOT to be reported on a consumers credit once the notice of dispute was not entered by the original creditor. Continued reporting is a blatant violation of the FCRA and attempts to avoid, ignore, or intentionally harm or misrepresents the consumers credit file 's accuracy is defamation of character AND ALSO IN VIOLATION OF THE FCRA. This has been disputed and complained about numerous times and XXXX  AND Transunion continue to ignore the LAW. Empty promises of reinvestigations, automated form letters, and nonsense scripted excuses are the normal response to these CFPB complaints. This has been going on way too long and these companies continued disregard for laws that they are obligated to follow is beyond disrespectful and insulting to consumers. Law suits are being prepared if this complaint doesn't remove this accounts in blatant violation.

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 2023-06-29
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XXXX XXXX  said that I had an account with them charged off in 2017, and they sent it to XXXX XXXX XXXX when I called XXXX XXXX XXXX they stated that they didnt have no record of this account also and could not provided me with the full verification I requested Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein i agreed to Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector.

Approval that collector has this account Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful.

Please provide the name and address of the bonding agent for XXXX XXXX  in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. 
Best Regards 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 2020-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents.

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 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance : {$88.00} ; XXXX XXXX XXXX XXXX Balance : {$28000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$9800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-08
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank made error when I opened my business acct. XX/XX/XXXX. 
Regards beneficiaries. They requested I come in and fix. On XX/XX/XXXX went to local branch talked to teller who had banker came over and input correct info. 
XX/XX/XXXX my card didnt work. Went to local branch mgr XX/XX/XXXX. 
XXXX XXXX who had me sign beneficiaries agreement she said she took care of it. 
Said my acct was frozen. And should be released in XXXX XXXX hrs. 
Waited XXXX hrs..went on line and found my accts had been closed ... 
Went to my branch. Spoke to asst mgr XXXX. She had me sign paper again and called back office to try and get my money to me asap. So I could get my bills paid. Left message for branch mgr to call me XXXX XXXX . Never called back. Took 2 wks to get him to call back after threatening to go above him. 
They will write letter to all bounced checks..he says. And pay for all fees assoc with this ... case closed ... not really another person called today. XX/XX/XXXX. Another person wants this form filled out ... again.

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 2023-04-11
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23 I opened a savings account online with Chime Bank. It was my intention to transfer funds from my XXXX Bank checking account into The Chime account, since Chime paid a much higher interest rate on savings than XXXX. On XX/XX/23 I received a congratulatory email from Chime informing me that my account had successfully been opened and I was invited to link my new Chime account with my XXXX account in order to make online transfers. I subsequently did exactly that and transferred an amount of {$100.00} from XXXX account, to Chime, in order to complete the account verification process. My XXXX account reflected that the transfer had successfully taken place on XX/XX/23. On XX/XX/23 I was informed by Chime that my account had been closed, and for security reasons, they were unable to provide more information regarding the closure. I then sent an email to Chime demanding the {$100.00} transfer which had occurred prior to the closing of my Chime account be returned to my XXXX account, considering my Chime account had been closed due to no actions of my own. Chime demanded I forward to them photocopies of both sides of my drivers license, a photo of my US Passport, as well as copies of any type of correspondence sent to me from XXXX bank with my name and address clearly visible on the document. On XX/XX/23, all of the foregoing documentation was sent to Chime Bank, however, as of the date of this correspondence, they are refusing to credit the {$100.00} to my XXXX checking account. I am requesting the assistance of CFPB to assist me in compelling Chime Bank to release the {$100.00} they are retaining from my closed account, and please inform me of what actions can be taken to sanction Chime Bank for their highly fraudulent and unethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Back on XX/XX/XXXX we sent my son who lives in XXXX {$2000.00} from our savings account this time, normally we used our checking account, from our XXXX  XXXX XXXX mobile application, we always use the Zelle application to send him money, on XX/XX/XXXX we got a phone call from XXXX  XXXX XXXX 's customer 's service ( caller ID ), saying they were from XXXX  XXXX XXXX 's fraud department up in XXXX and that somebody was trying to withdraw {$3400.00} from our account fraudulently using the Zelle and they needed my help to try to stop them, I was asked to open my mobile bank app and go to Zelle application, XXXX was the number they used to send, XXXX to XXXX, I was told that this would help them find the people that were trying to steal our money so I was tricked and did not truly authorize this transaction to take place, I was told not to open my bank account on my phone for the next 24 hours and they would call me the next day and give me an update which they did but when they called they did the same thing over again and unfortunately talked me into cheating me out of another {$3400.00} and I was scammed again and finally wised up and did not talk to them anymore and I called XXXX XXXX XXXX 's fraud dept and they told me that they would investigate and then I got an email from them on the XXXX saying that the case was closed and that there was nothing they can do, because I wrongly gave them withdrawal permission, that I'm out the money so I would really appreciate your help that I was truly tricked and influenced and did not intelligently authorize the transactions so I would appreciate any help you could get with me with getting the {$7000.00} back thank you very much for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I monitor my bank account online nearly everyday, and I keep getting low balance, alerts sent via text and email, numerous times a day, and the numbers arent adding up, Ive disputed the transactions that I noticed to be fraudulent, but it keeps happening, and the balance amount is no where near correct. So Im not sure if its a bank error, or someone hacking into my account ...? I just dont know what to do at this point. There is thousands of dollars unaccounted for, and I need to know what to do to stop and prevent this from happening. Please help! 

Thank you sincerely, in advance.

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 2023-11-17
Company: Experian Information Solutions Inc.
State: OH
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 am writing to formally file a complaint against Experian located in XXXX XXXX, CA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as required by the FCRA, they have failed to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, Experian has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of Experian has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

Company response to consumer: In progress
Consumer complaint received 2020-12-21
Company: Experian Information Solutions Inc.
State: CA
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 sent another dispute to the bureau regarding an account ( XXXX XXXX XXXX  XXXX ) on my report that has many inconsistencies. I also demanded that they validate the account but they didn't do it. I haven't received any documents that shows that the creditor validated the account to me and I haven't received any response to my dispute at all. While waiting for the results of the investigation along with the validation of the account, it has been well over 45 days, so they are now in violation of that also. According to 15 U.S. Code 1681i the bureau must do a reinvestigation of the disputed item within 30 days and if the item is inaccurate they must delete! I can not keep dealing with this issue as it keeps causing me a lot of stress and wasted time. I have attached my Driver 's License, Social Security Card, the info that shows the inaccurate account and all the discrepencies, the letter I sent for no response to my dispute letters. I will be forced to file with the FTC if this inaccurate account doesn't get deleted.

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