BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/21 i sent disputes to the credit bureaus about UNLAWFUL activity on my credit report I noticed a few days prior. Transunion, XXXX, and XXXX have all failed to adequately response to me in a timely matter as all disputes should be resolved within 30 days!! it is now XX/XX/21 as I write this which is basically 45days and still haven't had my credit report updated!! It is law that failure to resolve and validate these accounts is grounds for them to be DELETED IMMEDIATELY.

Thes companies just do what they want to consumers like me and I won't stand for it, I know my rights and laws! Section 611 ( a ), it 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, failure do so and i will file for litigation due to violation of LAW and FCRA!

Also late payments that were reported while we were all in a pandemic is against the LAW! The CARES Act protects consumers from theses unjust reportings.The Coronavirus Aid, Relief, and Economic Security ( ChChch ) Act, passed by Congress and signed into law on XX/XX/XXXX, XXXX, contains a provision explicitly addressing the FCRA , as XXXX XXXX previously reported. Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681 s-2 ( a ) ( 1 ) ).

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 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
After checking all three of my credit reports I noticed on all reports it showed this account that I have with this credit card company was a pay to delete account that I requested and also upheld my end of the arrangement by paying off in full over two years ago in counting. Not only did the credit company update the account as paid and closed they DID NOT remove this account off NONE of my three credit profiles with TransUnion, XXXX and XXXX and this account was also charged off meaning they were made twice for this account, once by me and the other by IRS. I also never received my 1099 in the mail for this debt that has been paid twice for this account XXXX that has been paid for already. In According with the Fair Credit Reporting Act the following companies previously listed above has violated my rights. 15 USC 1681-602A states I have right to privacy. 15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-11-15
Company: BANKMOBILE TECHNOLOGIES, INC
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2022, at XXXX XXXX, I attempted to access my account using the Bank mobile XXXX XXXX on my XXXX. " BankMobile '' is owed by XXXX XXXX  XXXX XXXX, XXXX, FDIC XXXX # XXXX. On XX/XX/2022, between XXXX XXXX and XXXX XXXX, I attempted to access my banking information using the online web portal and calling the phone number for XXXX access, and no information was available. At XXXX XXXX XXXX, I called the number on the back of my debit card and spoke with a Customer Service Rep named XXXX. She said the systems were unavailable, and there was no time when somebody would have the problem fixed. It may take a few days. I explained this is unacceptable for a virtual bank with no other way to access other than online tools. I also sent a message via XXXX to the CEO stating the concern and need for more information. 
My complaint is that the company is not providing any information, and the problem began on Friday, XX/XX/2022. In addition, the bank appears to be in trouble, which can impact millions of students using BankMobile to receive government assistance to pay for classes.

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 2022-11-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My husband and I had a XXXX XXXX XXXX XXXX  and were sent a check from XXXX XXXX XXXX for {$26000.00}. The check was made out to myself, my husband, and XXXX ( our mortgage company ). I signed the check and brought it to Chase Bank in XXXX XXXX, CA. The check was mailed with no instructions, so I assumed I was able to deposit it- which is exactly what the bank teller did. He deposited the check into the checking account my husband and I share. I have never dealt with an insurance check before, and banks deal with them all the time... they knew better. Needless to say, the check was missing two signatures, my husband 's and XXXX 's. Therefore, Chase decided to flag the check as fraudulent. Chase Bank then decided to withhold our entire checking account from us-including our own paychecks!! We found out our checking account was CLOSED when my husband tried to get gas and his card didn't work ... .They literally closed our account without any notification whatsoever!! I went into the branch multiple times, and the bank manager is the one who actually filed a formal complaint with the executive office on our behalf, and yet our account was still closed. Our paychecks were withheld from us for SEVEN days until we got a cashier 's check. Yet, Chase kept OUR insurance $ $ and it is just floating around. Why couldn't they send it back to our insurance company? Why couldn't they just cancel it? It obviously isn't fraudulent. After filing the complaint at the executive level, I spoke with XXXX and XXXX. I was told the funds would be released to us if we sent in a Hold Harmless Letter XXXX. We received the letter, got it notarized and sent it in! XXXX said it didn't work and they would not release the funds. We literally sent them what they asked for, and they went back on their word. Out account has been closed for over two months now. I have called the executive office multiple times in the last 3 weeks, with NO call back. The water damage in our home has resulted in XXXX XXXX XXXX XXXX. OUR MONEY to repair the damages in OUR HOME is just sitting at Chase ... .they refuse to give it to us or send it back to the insurance company. I am baffled, stumped, saddened, stressed, and so furious about this whole situation. None of this would have happened in the first place if Chase did NOT deposit a check without the correct signatures. We NEED this $ $ to repair our home. We have a XXXX old, and XXXX old who have been in a home with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This has been a nightmare!!!! We need this taken care of ASAP. 
I am very much hoping that this can be resolved, and you can help our family move on from this. 
XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: EQUIFAX, INC.
State: NM
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:
On XX/XX/2019 I sent a dispute to equifax stating a violation of my HIPPA rights by XXXX XXXX of which I asked for validation of debt of which they return with statements showing the procedures allegedly in dispute but without a HIPPA release form with my signature on it authorizing the release of my medical records, For this I sent Equifax proof of such violation of which I will attach with this claim. Equifax FAIL to investigate claiming that account was verified when VERIFICATION was not on dispute but rather a VIOLATION of my rights, attached I am sending proof of violation, proof of dispute with equifax, results from equifax investigation. ->.. XXXX XXXX Acct # XXXX XXXX {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
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:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Based on 15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this Law because I am a victim of identity theft! Please delete those items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION! under 15 U.S Code - Permissible purposes of consumer reports ( a ) IN GENERAL Subject subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT is IDENTITY THEFT. As consumer I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: MN
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2021-03-08
Company: EQUIFAX, INC.
State: NJ
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 XXXX XXXX for a living and years back before i lost my wallet with all my credentials in it. I am not a person that checks their credit frequently but i recently check it because i am trying to get a house for my family and i saw a few accounts on my profile that i have no idea about. I reach out to the credit bureaus XXXX equifax and XXXX  regarding these accounts and they explain to me that i need an FTC report to support my dispute. I am a victim of identity theft. Absolutely none of the accounts listed are related to any purchases done by myself. I am asking that these accounts be deleted from my credit report as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid the full balance shown on my XXXX statement ; however, unbeknownst to me, was charged a {$2.00} Minimum Interest Charge Fee. I was subsequently charged a {$21.00} late fee for not paying the minimum interest charge, which again, I wasnt aware of. 

I called Comerica customer service on XX/XX/2020 to explain the situation and request a refund. The representative refused to refund either of the fees, and then asked me if Id like to close the credit card account. 

I ended up having to pay a {$21.00} fee for not paying a {$2.00} fee ( that again, I wasnt aware of ) and closed my account. 

This is a predatory practice that has likely affected hundredsif not thousandsof consumers who deserve refunds, particularly in light of the global epidemic and economic downturn.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I strongly desire not to have this on my credit report. It is not belong to me. It 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 non-monetary relief
Consumer complaint received 2023-12-22
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Noticed incorrect collections account on credit report. Filed dispute with XXXX. Contacted collections company CCS collections and XXXX. XXXX XXXX to provide me information regarding the debt. None of the debt described belongs to me and no attempt to reach out prior to filing collections to credit bureaus. I believe they have the wrong person, the information does not match with mine.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : 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 2023-05-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XXXX XX/XX/XXXX, I mailed a Wells Fargo check for {$34000.00} to the Tax Assessor 's office in XXXX XXXX to pay property tax for nine properties I own. The check was intercepted in the mail and was washed changing the payee 's name. I noticed that this check was cashed but another check was not that was mailed in the same envelope. On or about XX/XX/XXXX, I received a call from XXXX XXXX saying that someone was cashing this check. I told them not to cash it under any circumstances. Somehow the check was cashed anyway. I then contacted Wells Fargo and reported the fraud. They said I would have to file a fraud claim and they will send me the Affidavit of check fraud. After a month, the form never arrived even after 2 more requests. On XX/XX/XXXX I when into my local branch and completed the form. I was told that the matter would be resolved within 10 days. After 10 days I called to inquire about the claim. Over the next 2 weeks, I spoke to 4 different people each one with higher authority than the other, and received no update or help on resolving this matter. Each person I was referred to knew another about my claim or had anything in their system about my claim. Also, the said is that we are doing the best we can do, we have turned this matter over to XXXX and declined any provisional credit. The last person I spoke with referred me to their executive office and they would get back to me. A few days later on XX/XX/XXXX, I received a message that they need 10 days for a response t my complaint. On XX/XX/XXXX, I receive another message saying that they needed another 10 days to respond to my complaint. On XX/XX/XXXX, I received a message that they were closing my claim because of insufficient information and that they have not been able to contact me. I never receive a call from Wells Fargo. After several attempts, I was able to speak with the person assigned to my claim on Thursday, XX/XX/XXXX. He research the matter and spoke with management in the Executive office and promised me that they would escalate my complaint and contact me by phone. I have yet to receive a phone call. The check I wrote was for property taxes and Wells Fargo 's lack of attention to this matter is causing me financial hardship. To prevent fines and late fees I had to take out a loan to pay the property taxes. My concern is that WF is not engaged in resolving this matter. I have been put off and put off and may have to solicit legal assistance. They will not give me any information about XXXX or the branch when the check was cashed. I have filed a police report. My case number is # XXXX. I am seeking provisional credit and this case is expedited.

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 2023-05-02
Company: Genesis FS Card Services, 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: Public record information inaccurate

Complaint:
I, XXXX XXXX XXXX was reported as deceased as of XX/XX/2023 by Genesis Financial. Trying to get help from them has been beyond ridiculous and now creditors are sending estate letters via postal mail. I was verified as having no XXXX score anymore due to deceased status. My whole life literally has been wrecked! The girl stated my death was confirmed but it was not confirmed as I am alive and gave no death certificate ir obituary. I need help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, a bank cashier 's check in the {$1700.00} was send to Shellpoint Mortgage Servicing, by XXXX Overnight Priority and was delivered on XX/XX/2021 at XXXX at the location of Shellpoint Mortgage Servicing XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX SC XXXX. The payment for XX/XX/2021 was a XXXX XXXX  Cashier 's Check dated XX/XX/2021 and check number ( XXXX ), was shipped on XXXX XXXX by XXXX and delivered on XX/XX/2021, which was signed by Mr. XXXX XXXX at the Mailroom for Shellpoint Mortgage Servicing, XXXX XXXX XXXX, XXXX  XXXX, XXXX, XXXX, SC XXXX. As of XX/XX/2021 the payment for XX/XX/2021 still has not been posted to Mr. XXXX account. A follow up call was done on XX/XX/2021 at XXXX by the homeowner Mr. XXXX , per a telephone conversation with a Shellpoint Mortgage Servicing Customer Service Agent named XXXX , to follow up with the whereabouts of Mr. XXXX XX/XX/2021 mortgage payment has not be received. Mr. XXXX stated to the customer service agent that the XX/XX/2021 was delivered and signed for by a Mr. XXXX at the Mailroom for Shellpoint Mortgage Servicing, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, SC XXXX. The customer service agent informed Mr. XXXX, to send in a letter of inquiry and proof of payment. 
As of XX/XX/2021 Mr. XXXX fax all documents of proof of payment to Shellpoint Mortgage Servicing, XXXX XXXX XXXX, XXXX, SC XXXX. The purpose of this complaint is to make Shellpoint Mortgage Servicing a accountable for the misplacing customer 's mortgage 's payment, when the customer ( Mr. XXXX ) has showed the burden of proof the payment in question ( XX/XX/2021 ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation