BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-27
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my credit report on both XXXX  and Equifax i noticed that there is a collection from XXXX / XXXX XXXX. It was opened on XX/XX/2019 amount of XXXX. I have no clue where this collection came from. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 
Collection Details : Company : XXXX, XXXX XXXX. 
Date : XX/XX/2019 Amount : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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 see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: CA
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:
EXPERIAN Original creditor XXXX XXXX XXXX : I received an alert from Experian regarding this collection earlier this year. This is not my account. I tried resolving and disputing with Experian but they failed to investigate as well as I tried multiple times to contact XXXX XXXX and they never answer or return my call nor have they even sent me any type of notice or proof that this debt exists. I believe that XXXX XXXX XXXX is trying to collect on an account that is not mine and Experian is not doing anything about

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: MD
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:
Months ago, I sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT XXXX, and I'm including it once more. 
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 2023-11-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Called and asked 4 times in past month to have a new escrow analysis, due to me paying off new supplemental property taxes. Nothing but lies about when I called, who I called, and what company I called. Carrington mortgage says the have a 3rd party tax company do it for them but then their own too, that do not communicate with each other. My property taxes are less here in California due to me being a XXXXXXXX XXXX. They are refusing to change my mortgage amount from the XXXX a month to my normal XXXX a month payment even when, or if at all this escrow analysis is even done. I also was basically harassed on the first of XXXX about weather I was going to make a payment for that month, and had to tell the to take me off a call list because we have 15 days legally to pay, and it had not even been one day before they called my workplace to harass me! How embarrassing is it that I've had over 8 banks in my life for my home and this is the only one who purposely messes up your account in order to try and scam money from you. I have a good feeling that even after being told by 3 different people at Carrington that my escrow analysis would not be done, the date is constantly changed on me when it will happen, who it will happen by, or if it will happen at all. This company is morally bankrupt and im ashamed to be a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had multiple phone calls with XXXX XXXX to try to fix this issue since XXXX of XXXX. Multiple cases have been opened and there was part of the issue fixed in XX/XX/XXXX. More cases were open to fix the second part and nothing has been done since. 

XXXX XXXX did not pay my property taxes in XXXX of XXXX. In XXXX of XXXX, I received a tax bill from the City with increased property taxes, supplemental taxes, and penalties and fees. I have a tax abatement on my property that the city took away for XXXX which retroactively impacted my XX/XX/XXXX tax payment and XX/XX/XXXX tax payment. They took the abatement away because of the missed XX/XX/XXXX tax payment. 

My tax bill was {$1100.00} in XXXX of XXXX and should have only been {$1200.00} in XXXX of XXXX. 

On XX/XX/XXXX, XXXX XXXX debited my account {$1900.00} for city taxes, {$810.00} for supplemental taxes, and {$78.00} in tax penalties and fees. After multiple phone calls, a property tax refund was issued for {$890.00}. This was a credit for the {$810.00} supplemental taxes and {$78.00} in tax penalties and fees. 

I have tried to get XXXX XXXX to refund me the difference between {$1900.00} in city taxes and the {$1200.00} that was actually due. I should not have to pay the higher city taxes because of a mistake on XXXX XXXX 's part of not paying my XX/XX/XXXX taxes. Each time I call I get told a case is being opened up. In XXXX, I was told my case was being expedited to a team who would give me an update in 4-5 business days. 

I called back in today and was told to send a message in the portal and then call back and try to speak to a supervisor. She told me she did not have a process that could help me other than to try to find a supervisor to speak to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2020-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Sometime in XXXX - XX/XX/XXXX - I entered an agreement with XXXX XXXX one of their affiliates and/or a representative authorized to collect a debt on their behalf. The agreement required me to pay {$530.00} ( 60 % ) of the outstanding balance of {$810.00} owed on account ending XXXX. 

XXXX XXXX representative took payment information " check by phone '' and assured me that XXXX XXXX would notify major credit bureaus ; XXXX, XXXX  and Transunion that this particular account has been settled as paid in full. The check # XXXX was remitted over the phone for {$530.00}, reviewed and confirmed. The payment cleared my bank account and electronically transferred to " Account XXXX XXXX Escrow ITF Account ''. My checking account was reduced by this amount, {$530.00}. 

I requested multiple investigations with the above mentioned credit bureaus, some on XX/XX/XXXX, XX/XX/XXXX and later. A few more as recently as XX/XX/XXXX because XXXX XXXX has fraudulently reported the entire balance of {$810.00} as outstanding in spite of our agreement. It had been my understanding that XXXX XXXX, its collection employees/affiliates and/or third parties were acting in good faith when they entered an agreement with me on XX/XX/XXXX. Furthermore, it was my understanding that XXXX XXXX would honor their agreement. 

As of XX/XX/XXXX, I can see two of the credit bureaus - Transunion and XXXX  - reporting a balance for this account ending in an amount of {$810.00} in spite of our agreement. 

I feel violated and taken advantage of by this company. I also feel that the company used an " offer '' to entice me into making a payment with no intent to report accurate information to the major credit bureaus as required by law.

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 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am interested in processing disputes for all of the inaccurate information on my credit report with transunion that is hurting my file. please delete & remove the data listed to help clear my file asap.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/2020 I received funds from the State of Arizona for my unemployment claim that was sent to my fiancs Bank of America checking account. My fianc had my power of attorney and went to the bank to add me to her account and was told that she could not do that. Due to the funds being sent in my name and not being on her account they closed her account causes her funds from SBA to be held ( which she has now received ) but along with my funds of {$9400.00} and they closed the account without releasing the funds. We have contacted Bank of America and they give us the run around regarding releasing the funds and to contact the State of Arizona, but when I contacted the State they said that the funds were submitted and that I would need to contact Bank of America.

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 2023-06-23
Company: Experian Information Solutions Inc.
State: NY
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 explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2020-01-17
Company: MOHELA
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I called Mohela in XX/XX/2017to let them know I am not a student at the school anymore the school continue charging the loan company. When I call the school no one in Finacial Aid is speaking to me. I did not graduated from the school I left and transfer to a accredited school

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XX/XX/XXXX, I received an email from Chase Bank ( where I have one credit card account in good standing since XXXX and had a previous car loan account that has been paid off ) with the following message : -- -- Thanks for requesting a new credit card! 
We'll review your Chase Sapphire Preferred credit card application and be in touch soon. 

-- -- This message came from Chase and was not a fraudulent email This was the address : XXXX. 

I never submitted an application for a new credit card, nor was I looking to get that particular card or any other from Chase. 

Obviously, only Chase could have initiated this fraudulent application since they sent the email to the address I have provided for my account. Thus, I do not suspect anyone else was trying to submit an application for a credit card. 

Additionally, all of my credit bureau reports are frozen and locked at the moment so I would have been notified if anyone else had inquired about a new credit account. 

Chase has been quite aggressive after we finalized paying off our car loan earlier this month. They have increased the emails and offers sent to me but this is an absolute fraudulent application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was suppose to receive {$150.00} at XXXX after spending {$500.00} in the first 60 days of opening the account. I was also suppose to receive 5x the reward points for each dollar that I spent at the XXXX XXXX XXXX I have not received any of this and just keep getting the run around. I have spoken with multiple supervisors, managers and have receive conflicting information on numerous occasions. I just want the rewards I have earned. I have spent way over {$10000.00} dollars at XXXX XXXX and have not received the 5x rewards points like I should have. ( {$10000.00} was just one purchase that I made at HD ) I have been receiving XXXX point per dollar. Every time I call they acknowledge I should be receiving 5x points but I am not. They are asking me to send verification off the offer that was on the web page when I signed up. I have asked numerous time to file a complaint and they will not let me take this to the next level. They say they will submit it and it will take 30 days to get a reply. I have attached the first reply. They want me to send further verification of the offer that I signed up for on their web site. I signed up specifically for this card for these rewards. The supervisors I have spoken with verified I should be receiving these rewards. I have attached screen shots from the page I signed up on.

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 2018-09-24
Company: MIDCOUNTRY FINANCIAL CORP
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have an installment loan with XXXX XXXX XXXX in XXXX, Il. I am behind in my payments due to a job loss and starting a new job making less money. I am behind in several bills and have started a bankruptcy ( Chapter XXXX ) through an attorney. I was told to give the information to the finance or credit companies so they can deal with the attorney instead of calling me. I gave XXXX XXXX my attorney information on XX/XX/18 ( through online portal ) and again XX/XX/2018 on the phone. On XX/XX/18 they are still calling me regarding payment. Not only did XXXX call regarding payment she called my work asking for me and when I wasn't there she asked to speak to the payroll department. 

I called and spoke to her this morning, XX/XX/2018. I again gave her the information for the attorney and demanded that she stop calling me. I also asked XXXX what she wanted with the payroll department and she said she was just verifying employment which was a lie. She already knows I work here since she continues to call me at work even after telling them to stop. 

This is also the third time I have told them to quit calling me at work which hasn't worked in the past since they continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: EQUIFAX, INC.
State: WI
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 without any influence and this is not a third party. XXXX 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 credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 without 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 credit score over 719transunion has me at a score around 590. 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 n 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 us 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 severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my tXXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE

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 2022-02-25
Company: Credit Karma, LLC
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On Thursday, XXXX XXXX2022, I AUTHORIZED Credit Karma to close my savings & checking account and send remaining balance in form of a cashiers check. They said I must complete a series of questions via email first. I called multiple times on Friday, XX/XX/2022 for an update on closing of my accounts and was told that they cant close my account at this time and dont know when theyll be able to. I asked to speak with a supervisor on two different occasions to my right to know and investigation on the matter, and they hung up on me multiple times. Credit Karma will not allow me access to my money from my savings account of {$1700.00} and as a consumer who credited the bank and loaned the bank funds I have every lawful right to authorize closing of my account immediately and the returns of my funds. This is causing mental, financial and emotional injuries to me and my family.

Company response to consumer: Closed with explanation