BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-08-22
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Emailed and called to get {$15.00} fee reversed. My average balance is about {$15000.00} and I should not be penalized just because it dipped below one day due to a pending credit card withdrawal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$610.00} XXXX XXXX XXXXXXXX Balance Owed : {$610.00}

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 2022-01-28
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX statement - numerous charges from a company called XXXX XXXX which I had never before ordered from. These charges were disputed. 

XXXX - {$75.00} XX/XX/XXXX - {$73.00} XX/XX/XXXX - {$73.00} On this same statement - charge for XXXX ( XXXX XXXX and XXXX ( {$67.00} ) which are XXXX companies I have never before charged to. 

The next statement XX/XX/XXXX again numerous charges from XXXX XXXX that were disputed. 


XX/XX/XXXX - XXXX XXXX - {$74.00} XX/XX/XXXX - XXXX XXXX - {$72.00} XX/XX/XXXX - XXXX XXXX - {$72.00} XX/XX/XXXX - XXXX XXXX - {$73.00} XX/XX/XXXX -XXXX XXXX XXXX {$94.00} XX/XX/XXXX - XXXX XXXX XXXX {$73.00} The XX/XX/XXXX statement also contained other charges that we did not make XXXX XXXX - XXXX XXXX - {$9.00} and a XXXX  XXXX for {$9.00} Again these charges were disputed. Chase supposedly did an investigation and determined that these were legitamate charges. I went to a Chase bank office where i spoke with an employee regarding this problem. Supposedly the investigation was escalated but again I was notified that the charges were legitamate. I can assure you that I never made these charges and I have paid in full any charges that were made. I have stopped using this account and will never again do business with Chase but they are insisting that I pay this money. 

Please note that there were several account number changes. XXXX was on the XXXX statement. The current account number is XXXX. The account number kept getting changed due to the disputes that we filed with CHASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
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: Was not notified of investigation status or results

Complaint:
Please update the late payment on these accounts because this account should not have any late payments.

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 2020-01-08
Company: Experian Information Solutions Inc.
State: FL
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:
Good afternoon, I am writing to CFPB regarding my identity being stolen and used to obtain credit without my authorization and now I have been stuck with the bill and my credit taking a hit. Please if there is anything you can do to help me remove these fraudulent accounts tarnishing my credit profile I would greatly appreciate your assistance in this matter. I have tried with the credit bureaus and debt settlement companies as they have said they can help and have gotten nowhere. I have heard that cfpb actually gets the job done. Thanks 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 2018-12-04
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX   and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


XXXX XXXX XXXX Account Number : XXXX Account Type : Open Account Account Status : Closed Monthly Payment : Date Opened : XX/XX/2017 Balance : {$310.00} Terms : High Balance : {$310.00} Limit : Past Due : {$310.00} Payment Status : At least 120 days or more than four payments past due Comments : COLLECTION ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: IL
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:
I'm to inform you of these rights... In accordance with the Fair Credit Report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account number 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. These accounts has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights 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 ) (! ) 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. 
. 
These inaccuracies are hindering me from obtaining new credit cards and the purchasing of my business vehicle to sustain work.

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 2020-01-08
Company: EQUIFAX, INC.
State: FL
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 don't recognize this inquiries, i never applied for this companies. I believe, that somebody used my personal information and applied for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reporting the following : " Account charged off. {$4700.00} written off. {$3900.00} past due as of XX/XX/2019. '' It is not possible that only {$3300.00} is past due after 7 years the entire amount is past due. 

The law requires that information be ACCURATE or removed.

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 2022-01-28
Company: Avant Holding Company, Inc.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/21 I received a XXXX XXXX credit card in the mail that had a secondary card with another persons name on it ( that I did not know ). After contact XXXX XXXX it was apparent that I was a victim of id theft. I ran my credit and saw two other accounts- XXXX XXXX and Avant Bank. i contacted both companies on this date to report. XXXX XXXX closed it down immediately. Avant Bank told me no card had been issued so they could not close. I checked my credit report daily and soon discovered that a card had been issued by Avant bank and a {$39.00} charge was made on XX/XX/21 ( 22 full days after I reported the fraud to them ). I contacted them and set them copies of the police reports etc. To date, they still have not acknowledged the fraud or closed the account. I have requested multiple times and sent in all the paperwork requested. Each time I do they ask for more paperwork. The police office handling my case has even called them. I have submitted this also through Identitytheft.gov and sent that letter to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Shellpoint Partners, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
An escrow statement is due on my account annually. In XXXX an escrow analysis was done and mailed to me showing an over 3k escrow refund. Every other year the escrow s check was attached to the analysis. This time it was omitted.

I waited a week to see if the check would come. No check ever came. I called the company. New Rez and was told that she was not sure why the check was not included but that she would just direct deposit my escrow payment. She verified my account number she had on file. She told me to give it 2-5 days. A week later nothing had happened. 

I wrote to the secure mailbox on the New Rez site. Almost immediately I got a response saying I needed to request the refund via writing which I immediately did. In the past I heard right back from this mailbox. I am yet to get a response about my escrow overpayment. 

I called New Rez customer service yet again and was told the first agent failed to check a box allowing direct deposit but was promised this rep arranged it but still no direct deposit. 

I feel the company is trying to withhold monies due to me for some reason. I am not sure why I am told so many different things. I just want my overpayment as I have other bills due.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: NY
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:
To whom it may concern ; I recently reviewed my consumer report and observed that 2 late payments are incorrectly reporting on Consumer Reports. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information with Maximum Accuracy. I have never been late on my account by XXXX with account # XXXX. Attached document will show multiple inaccuracies. Please remove the late payments and update with paid on time as I was never late. 

Thank you for your kind consideration. 
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 2023-08-22
Company: Affirm Holdings, Inc
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act Affirm Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

1515 USC 1666B : A creditor may not read a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Huntington Bank allowed a unauthorized user to transfer funds to his personal XXXX without telling me or alerting me. {$240000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09
Company: Shellpoint Partners, LLC
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: Investigation took more than 30 days

Complaint:
Regarding Account Number : XXXX Mortgage Company : NEW REZ/Shellpoint Mortgage Servicing XXXX. XXXX XXXX, XXXX, SC XXXX In XX/XX/XXXX we were advised from our Mortgage Company XXXX that our loan had been sold to NEW REZ/Shellpoint Mortgage Servicing. Payment was made on XX/XX/XXXX to New Rez ( see attached bank statement ) upon attaining the info from XXXX as we still had no statement to pay from ( they were mailing to the rental address apparently ). We contacted New Rez upon our tenant receiving delinquent notice on their door in XXXX ( home is a rental ). New Rez says they do not show the payment and when I sent them proof by email from my bank account on XX/XX/XXXX the payment was miraculously put back in our bank account on XX/XX/XXXX ( see attached bank statement ). We have contacted NEW REZ 3 multiple times and mailed the requested bank statements as proof and they replied simply the matter is closed. My credit has been affected and they refuse to acknowledge receipt of the funds and correct the reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: TX
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.

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 2023-08-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX, XXXX and XXXX 2023 I was charged 6 NSF in the amount of XXXX by JP Morgan Chase. Transactions varied from XXXX to XXXX. Total amount for all transactions XXXX and chase charged XXXX of NSF. I am not disputing that I made the transactions. Because of lack of funding, I used my debit card to pay for transportations to work and food. According to an article by CFPB stating that JP chase is one of the bank that do not charge NSF I called to dispute the charges. I was told by a manager that chase has its own policy regardless of what is written in CFPB and agreed to waive a XXXX as a courtesy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-08
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
PennyMac USA and its loan department talked me into applying for an FHA XXXX loan. I told several representatives for PennyMac that I had credit challenges. I was reassured on several occasions that an FHA XXXX loan is designed to keep consumers with financial problems in their homes and for that reason, your credit rating IS NOT A FACTOR in the loan approval process. So, I relented to their pressure and applied for the FHA XXXX loan and ... ..was denied because of my credit record. PennyMac deceived me intentionally to get me to apply for the loan, PennyMac is correct FHA XXXX loans do not take credit worthiness into consideration because of the very goals of the program. PennyMac lied to me, and it unfairly and illegally denied the XXXX loan. 

PennyMac also told me not to make my XXXX payment to instead use that as the downpayment for the FHA XXXX loan, we agreed on payment terms, lengths and amounts. Then they abruptly lie to me and go back on their word. 

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My credit report shows the following accounts that are inaccurately reporting as charge off and/or late payments. These accounts were filed in bankruptcy and have all been discharged. More importantly, the months showing late payments and/or charges offs were during the time the accounts were included in bankruptcy. The accounts are as follows : 1. XXXX XXXX : 2. XXXX XXXX : 3. XXXX XXXX XXXX : 4. XXXX XXXX : For several months, I have contacted the creditors and all credit bureaus to update my credit reports, or to delete this inaccurate information. Each credit bureau continues to state they have investigated, and the company reports the accounts are accurate. I have requested proof of the investigation and I have not received any documentation from NONE of the bureaus or creditors.

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 2023-08-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX. I have 3 month waiting the closed and now they say the are not going too send noting

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 2023-08-22
Company: Universal Account Servicing, LLC
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
company is in breach of contract, neglected and willfully failed to perform the contract agreement terms. Universal Account Servicing LLC received all my loan payments as a student of XXXX., School loan is paid off! and overpaid 2 years approx. 
Universal AccountServicing / XXXX. also violated my consumer rights by forging my signature on contract agreements i had no knowledge of until recent discovery. 
Universal Accoount Servicing XXXX. Did not update my loan file and payments. It iscurrently under forebearance which means a history of consistent missed payments. 
As stated This is the proof of willfull neglected action from Universal/ XXXX. XXXX XXXX. They did not submit payment history to be filed instead ignored it neglecting which has caused much damage from my credit profile. They also took my XXXX GRANT FUNDS WITHOUT APPROVAL OR DISCLOSURE AND FORGED MY SIGNATURE TO WITHDRAW AND OBTAIN THESE FUNDS IN TOTAL XXXX $ My profile is under forebearance when its paid off in full with perfect payment history. Universal Account Servicing needs to be audit because they took my fafsa funds, private loan for school, accepted all my payments, neglected all my requests for historic doc, pyamt history, balance and total charge and cost of loan., they ignore my emails, and payment history reflects activity of responsible efforts. I have been over paying this loan over years and they have been cheating, stealing, and lying to me, I am seeking legal action for this pain and damage and breach of contract.Universal Account Servicing will not respond to my requests and has violated my rights and is currentlty performing illegal activties as a financial institution / education that needs to be served.

Company response to consumer: Closed with explanation