BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-12
Company: Experian Information Solutions Inc.
State: DE
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 submitted a letter to the credit bureau disputing items that were inaccurate or did not look familiar to me on my credit report. After submitting my complaint I waited patiently expecting the bureau to resolve this issue and send me a new copy of my my credit report with the updated changes, but that was not the case. It has been more almost 60 days now and I recently reviewed my credit report and the items are still on my credit report. To my understanding the bureau advised they would provide results to my dispute investigation within 30 days or the items would be deleted. In hope of getting a response I recently sent another letter last week on XX/XX/2021 demanding them to respond to my initial dispute letter. At this point the items should be deleted and I feel like they are taking advantage of me as I still have not received any information or timeline to date. I don't know what else to do at this point.

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 2023-09-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern, I was informed by your company XXXX XXXX ) that ( account XXXX ) with XXXXXXXX XXXX XXXX XXXX was deleted from my credit report. 

I have now realized that this same item was REINSERTED onto my credit report! 
In Accordance with the requirements of the FCRA SECTION 611 ( 15U.S.C S 1681i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) Requirements Relating To Reinsertion Of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer`s file pursuant to subparagraph ( A ) is Reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertion in writing not later than 5 business days after the Reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I have received no such notification, this is a serious violation of the FCRA AND I now reserve the right to pursue legal action for this clear violation of the FCRA!

I demand that you immediately Delete this account from my credit report in order to avoid legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX FL XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I used my social security XXXX XXXX card to retrieve my money from my local capital one banks atm machine. I entered the amount and it said the transaction was complete and proceeded to dispense my money, but the cash door kept repeatedly opening and closing and then a message popped up on the screen saying withdrawals are unavailable at this time. It never gave me my withdrawal. I preceded to go inside the bank and they gave me a XXXX number to call about the issue. They told me to contact my bank and I did so. They were supposed to mail me a paper to dispute this transaction and I still havent heard anything. This happened on XX/XX/XXXX of this month. I am just wanted the atm responsible to give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.

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 2023-10-09
Company: Experian Information Solutions Inc.
State: OK
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 was a victim of identity theft I requested a copy of my credit report and when I received my report I was shocked to see some accounts that didnt belong to me so I immediately contacted my bank to freeze all my accounts

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 2023-01-14
Company: Chime Financial Inc
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XXXX, I received documentation from Chime ( banking services provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX that possibly indicated an account was opened up in my name. The documentation included a " Welcome to the Chime Family '' note, a tear off portion by XXXX XXXX XXXX  to provide to an employer for direct deposit which included my pre-printed name, the bank name & address, a routing number, and an account number. The documentation also included a debit card associated with the account with my name and the number pre-printed on it. I did not sign up for an account at Chime and believe this is either a sales tactic used by them to try to get me to activate the card ( and subsequently the account number listed ) OR I am the victim of possible identity theft and someone has opened up the account using my information. I reached out to their Customer Service via email numerous times on XXXX in an attempt to verify if this was merely a sales tactic or if there was an account opened up with my information. A Google search indicated numerous people have had this same issue and most have had issues with getting Customer Service to cooperate. Numerous responses by Chime wanted me to log in to the app and use the chat feature ( I'm not a member so I don't have login information for me to do that ) and/or send them a photo of my government-issued id, the last four of my SSN, and a selfie of me holding the government id to verify my identity. I did not provide them this information and notified them the reason ( that I'm not a member [ or if I am, it's not legitimate ] so my information shouldn't be in their system for them to verify my identity ). This correspondence back and forth went nowhere and I still don't have an answer to the simple question - sales tactic or actual account. I've reviewed my credit file and neither Chime nor XXXX XXXX have made any inquiries nor is there an account listed. I've placed a fraud alert on my credit file just in case and will monitor for activity from these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently did an application for an apartment in XXXX and was denied and told by the apartment that two of my credit cards with the same company was closed. I was told by the apartment that the company closed my accounts in XXXX without notice or my knowledge. I immediately called XXXX XXXX XXXX and was told that my accounts were NOT closed. I checked all 3 credit bureaus and they indeed closed and sent out information to all three bureaus stating my accounts were closed. I called again and multiple customer care agents state that the accounts were not closed but my credit line was suspended and that this was their policy. I understand but why would you send out to the bureaus that the accounts are closed when they are NOT there is a major difference. I attempted to dispute this with all three bureaus with no success. Because of how they reported it dropped my score significantly and is currently hindering me from getting approved not just for these apartments but for others as well leaving me XXXX. It is unfair reporting and someone should make first premier bank specify the difference of a revolving account and a closed account. If my accounts are NOT closed why would you report it as such. Ive called them multiple times requesting that they provide a letter to my apartment complex explaining the situation and they stated no that they could not and will not do such thing. I also demanded that they report fairly and accurately to prevent future situations like this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-04
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX placed an account as charged off, Account # XXXX XXXX XXXX XXXX on my Equifax Credit report. Last year they deleted the entry and this year they re-reported it. I have asked Equifax to delete it this item, it is not mine, it is in someone else name, social and the only similarities is a partial address. It is still on my report. My social end with XXXX and is no where near the social this account is reporting under XXXX, but it shows up on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30
Company: Coinbase, Inc.
State: ND
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Good morning. t 's have been 5 days now and I'm having a problem withdrawing my funds. From XXXX XXXX, 2021 {$5500.00}. I have some recurring bills that I need to pay like my Home Mortgage, electricity, health insurance, car insurance and etc. I'm in dire of help to withdraw these funds from my account. Kindly please someone gets back to me and helps me on this matter. I just don't know why I'm having a hard time withdrawing these funds but funding my Coinbase Pro is so easy for you people to get that from my Online Banking! This is really outrageous and has red flags. COINBASE is a public traded company in the stock markets. And I asked this COINBASE Company ( coinbase.com ) to release these funds at the right time. Apparently, not willing to help me, and they always rerouting my calls to COINBASE Voicemail and it's pretty obvious Coinbase employees aren't helpful from the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Involved in my consumer report I notified the credit bureaus due to these inaccurate accounts on my consumer report to be removed, Due to these accounts I was not able to get a rental property because of that accounts on my consumer report that is not accurate, I request for those to be deleted I never received any information in the past due to their in reinvestigation they have not provided completed documentation information stated how did they validate accurate information and no one from any agency did not speak to me myself during the investigation as well. And also due to the data breach, my information has been stolen and sold to God knows who I feel unsafe with these companies. Entrusted my information with I was not notified

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XX/XX/XXXX XXXXXXXX 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 2021-06-04
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Submitted a loan application with the 6 pieces of information for XXXX with Pennymac. The loan officer called me from XXXX XXXX XXXX and said his name was XXXX XXXX XXXX XXXX XXXX. He has what my credit score was, I told him I was not sure and I gave him verbal permission over the phone to pull my credit and he told me to go to XXXX. I explained I had already done that and those scores are usually 10-20 points higher than the XXXX XXXX  credit report mortgage companies use to make a credit decision. He put me on hold when I asked him to pull my credit for 10 minutes, came back and still had not pulled my credit and again told me to go to XXXX. Pennymac is my current mortgage lender and I was trying to refinance my home thru them. I asked for his name and number and the information on him was not valid, I asked for his supervisor and it took him a few minutes to get me that and was was told XXXX XXXX XXXX XXXX XXXX and I called that number and it is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
NELNET IS THREATENING ME AS A XXXX PERSON AND VETERAN WITH THEIR XXXX XXXX RESPONSE TO MY COMPLAINTS REGARDING THEIR REFUSAL TO CONTACT THE US DEPARTMENT OF EDUCATION AND REMOVE THE LATES FROM XXXX WHEN I WAS UNHOUSED WITH NO MONEY ASSETS OR TELEPHONE TO CONTACT THEM!! I HAVE REPORTED NELNET TO US SENATORS XXXX AND XXXX OF FLORIDA, THEY HAVE OPENED AN INQUIRY, AND THE FLORIDA ATTORNEY GENERAL AND THE ATTORNEY GENERAL OF THE STATE THAT YOU ARE INCORPORATED IN!! I HAVE FILED A COMPLAINT WITH THE DEPT OF EDUCATION INSPECTOR GENERAL AGAINST NELNET AS WELL TO HAVE THESE INACCURATE LATES REMOVED!! NELNET YOU ARE SO DIRTY AN EVIL AND REFUSE TO HELP A XXXX VETERAN NOT BECOME HOMELESS! I AM NOT OPENING A DISPUTE WITH THE CREDIT BUREAUS!! YOU WILL REMOVE THE LATES FROM MY CREDIT REPORT AND CONTACT THE DEPARTMENT OF EDUCATION IN THIS MATTER! US SENATORS XXXX AND XXXX OF FLORIDA ARE INVESTIGATING YOUR COMPANY AND ITS RESPONSE IN AN INQUIRY TO THE US SECRETARY OF EDUCATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Experian Information Solutions Inc.
State: NY
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. 

Account Name : 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  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 explanation
Consumer complaint received 2024-01-02
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
LoanCare acquired our mortgage on XX/XX/XXXX. On or about XX/XX/XXXX we called LoanCare to do an escrow analysis regarding our property tax. We are being billed {$4200.00} for property tax when its actually {$2400.00}. I sent in all documentation and followed up 2 weeks later and was told being processed. Periodically checked in and still told being processed. 
On XX/XX/XXXX called an spoke with XXXX- he told be home not fully assessed and wont be until XX/XX/XXXX. We have been in our home since XX/XX/XXXX which is well over the one year mark. So I asked how to delete my escrow for property tax. He explained and I submitted my escrow cancellation for property tax via their web page. 
On XX/XX/XXXX called and spoke with XXXX. He told me his system showed still being processed to call Monday XX/XX/XXXX. 
On XXXX I called, didn't document name, and he walked me through again processing the escrow cancellation via web page. Second submission. 
Called XX/XX/XXXX spoke with a woman who told me I can't cancel my escrow because I have an FHA loan. I asked her to please verity as I'm pretty sure its a conventional loan. She put me on hold, came back on line and hung up on me. 
Called back and spoke with XXXX and stated still being processed so I submitted once again to be safe. Third request. 
I have since submitted 4 more online requests to cancel escrow for property tax. 
Called today XX/XX/XXXX and spoke with XXXX. He told be there are " NO PENDING REQUESTS TO CANCEL ESCROW ''. The only thing he is showing is my original request for escrow analysis from XX/XX/XXXX. Asked for the corporate office of MissionServicing Residential phone number, was put on hold. When he came back on line said he can't find that information to try with their office first. I declined as I have been patiently waiting and lied to for far to long to get this small matter resolved.

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