BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I went to an atm located at XXXX XXXX XXXX in XXXX TN XXXX. My financial institution which is chime recommended that this would be the closest atm that has no fee to me. I went in the store and selected to withdraw {$300.00}, someone walked up and started speaking to me so as I spoke with them my money was being dispensed as I did not want them to see me receiving my money I spoke with them before removing my funds and when I turned back around the door to the atm closed and it gave me an error message stating that it took too long to remove the funds and to contact my financial institution. I contacted them and gave the instructions that I had gotten from the atm company with a code because they said this was a known issue and they told me it would take up to 10 business days. It has now been over a month and they have not returned my funds yet another dispute I filed they immediately declined it but keep pushing the date back on this transaction. Theyre stating that it will now be XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
TransUnion is defaming my character and ruining my reputation by furnishing erroneous information on a consumer report without my authorization/consent. TransUnion is in direct violation of the Fair Credit Reporting Act. The information TransUnion reporting is inaccurate and unfair. On XX/XX/XXXX I applied for a personal loan with discover and was denied because of the inaccuracy and unfairness that is being reported by TransUnion. On XX/XX/XXXX I applied for a financial product with XXXX Bank and was denied because of the inaccuracy and unfairness that is being reported by TransUnion. On XX/XX/XXXX I applied for a house and was denied because of eviction records that are being reported by TransUnion, I contact the XXXX district court and they stated " The XXXX district court does not report to any credit bureau '' ; TransUnion is not respecting my privacy, court records are private to me and I have a right to privacy under the privacy act of 1974 as amended, 5 U.S.C. 552a. On XX/XX/XXXX I contact TransUnion regarding the erroneous information that is being reported without my authorization/consent and informed the agent that the information is inaccurate and unfair. I have been severely disadvantaged by TransUnion, which has caused me injury damages, mental anguish, and XXXX XXXX. ****SEE ATTACHMENTS FOR PROOF****

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 2022-11-17
Company: Experian Information Solutions 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 submitted a letter to the 3 Credit Bureaus to update and correct this suspicious information. I think you have not validated these accounts in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 explanation
Consumer complaint received 2023-06-11
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: Account information incorrect

Complaint:
These Accounts : ( XXXX. ) XXXX XXXX # XXXX. XXXX XXXX XXXX # XXXX. BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( EXPERIAN, XXXX, OR XXXX ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.

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 2023-01-19
Company: Experian Information Solutions 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:
In accordance with the Fair Reporting Act Reporting, XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States right of privacy belongs to me, so I have the right of privacy. Also in section 15 U.S.C 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

I have not given my written instructions to furnish this account so please remove this from my credit.

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 2023-01-19
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: Was not notified of investigation status or results

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: BSI Financial Holdings, Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I have a VA loan and my mortgage servicer is BSI Financial. BSI denied my application for mortgage assistance in XXXX without first requesting authorization from the VA Loan Technician assigned to my loan. I appealed the denial. My Loss Mitigation representative XXXX XXXX avoided all emails, texts, phone calls and voice messages for nearly a year and this has cause my loan to fall so far behind and into foreclosure twice. The VA loan technician authorized relief for the loan. Despite VA authorization, BSI did not award assistance and the mortgage was accelerated and a foreclosure sale date was set for XX/XX/2022. I managed to have her supervisor XXXX XXXX pull the sale because my single point of contact ( SPOC ) XXXX XXXX had been non-responsive for months concerning the application, appeal, and VA Loan Technician authorization. Despite the sale being pulled, I had no further contact with BSI to pursue another application for mortgage assistance. I continued to contact my BSI XXXX to pursue mortgage assistance and had no response regarding the loan modification denial appeal letter I sent. XX/XX/2022, I received a call with ( BSI Financial appearing on the caller ID ) informing me I had been approved for a loan modification and to make payments. I have now learned I was targeted by scammers and they have defrauded me out of 5 monthly payments of {$1700.00} each totaling {$8800.00}. I filed a police report and traced the postal money orders. I believe BSI had a data breach and did not tell me about it or may be complicit in the fraud. Five days after paying the scammer the last payment on XX/XX/2022 my ( XXXX ) finally reaches out to me on XX/XX/2022 after not having any communication with her for a year asks me what did I want to do with the house and had no clue as to where we last left off with my loan. I learned via Attorney XXXX XXXX that my house was again set for foreclosure in XX/XX/2022. I had no clue and my ( SPOC ) didn't inform me about the sale. A buyer walked into my yard and he stated that my house was listed on the website for foreclosure XX/XX/2022. No one informed me. The sale was pulled after a conference call was made with a nonprofit law firm/VA representative and BSI concerning the payments I had made, learning the payments were not received by BSI, and inquiring about late responses to a request for information the non-profit law firm prepared for me to send so that I could learn what had been done on my application since I had not received anything in writing. I applied for mortgage assistance last week and no decision has been made. I would like to sue for servicing error for delay and mortgage assistance that was denied before the escalation in interest rates which has doubled since I first applied after BSI failure to contact the VA and VA approval of assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ORIGINAL CREDITORXXXXXXXX XXXX XXXX ) : XXXX, XXXX XXXX : XXXX XXXX XXXX ( ORIGINAL CREDITORXXXX XXXX XXXX ) : XXXXXXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) : XXXX, XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, 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 furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting 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 XXXX and XXXX, and I can't even sleep properly because of this problem.

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 2023-01-19
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX sold its services to XXXX after the buyout. XXXX has absolute crap services. They then sold the local towers to XXXX. Which dropped my service for several months. XXXX then forced me to get their sim card. Which Absolutely did not work. For 2 weeks I had no service at all. While XXXX XXXX overseas staff kept trying to " verify '' my service on my phone. WHEN MY PHONE XXXX DIDN'T WORK AT ALL. Making me go out and buy an entirely new pre-paid phone just to speak to them. 

They were so ignorantly stupid and couldn't figure out basic english to understand that the SIM CARD, did not work. So they COULD NOT text me a verification code. They would repeat it over and over, even their idiotic managers. They couldn't find out a way to Verify who I was, without the SIM card phone being able to get the text. They couldn't sent me the sprint sim cards, because all the networks were on XXXX VAST largest network ever. Which didn't work in my area. WHY? Because they sold the towers to XXXX. 

Over the 3 months, I demanded refunds and for them to cover the costs of the items on the account. They put a LOT of credits on the account because the nonsense of having 3 months of no service was absolute XXXX. After they issued the largest credit, I waited 2 weeks. The issues were not resolved when they sent the new sim card. AFTER TELLING THEM FOR 3 months that the T-mobile sims do not work in my area. They were too XXXX to figure it out and sent me MORE XXXX sim cards. 

I ported my account after paying the last bill and making my account XXXX balance. And went to another company. 4 months of no service was absolute XXXX. 

After I ported, They reversed the credits and then tried to charge my account and tried to claim I owed them for phones or other devices that weren't paid. Yet when I directly ask them about the credits. They claim they saw them. But see that they were reversed. 

Then it's not my problem. They reverse the credits. It's their issue. I'm not liable after 4 months of no service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 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 2023-02-16
Company: Bread Financial Holdings, Inc.
State: MD
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 received a notification from several credit monitoring services for a credit card application/ID verification that I did not submit for Comenity CB/ULTA MC and Alliance Data on XX/XX/2023 XXXX 

I called Comenity to report fraud on XX/XX/2023, and they should have denied the application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: Incomm Holdings Inc.
State: CA
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
We were gifted a gift card from Vanilla for our wedding and when we opened it there are missing numbers and the card does not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2023-01-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX  First they called my mother. She told me they called when I got home today. Threatened that I would be served Monday if I didnt give them at least {$400.00} down and {$100.00} a month towards the debt. I dont have this amount of money. They then asked me to put it on a credit card or ask a family member for it. Its not on my credit report so I dont think I owe it anymore. They said my wages would be garnished at {$550.00} a check. I offered them {$30.00} a month which I can afford and they said its not enough. They said I owe {$3300.00} but will accept {$1300.00}. Said if we go to court it will be {$5200.00} after lawyer fees. The company was called XXXX XXXX and XXXX in XXXX XXXX, Ca. The debt is nearly XXXX XXXX XXXX and I didnt even owe {$500.00} initially. They also tried to get me to sign something over email. They said there was no statute of limitations on this debt too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-05-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from SPS telling me they were increasing my payment by {$260.00} a month. I called and spoke to them and they said the federal government passed a respa law that allowed them to collect 2 months of upfront impounds along with any shortage within a 12 month period. 

I am asking for a copy of the RESPA law that says they can collect 2 months of impounds from me when I have been in the loan for over 20 years. I also want something that shows they can collect funds within a 12 month period. 

I would like a 2 year history from the lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation