BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4100.00}, {$390.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account.

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 2022-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America is not following Regulation CC in deposits. I tried to deposit a {$17000.00} from my Attorneys Trust. When I deposited the check I was given a print out on deposit slip stating they would follow regulations and that {$5300.00} would be available on XX/XX/2022 and {$11000.00} would be available on XX/XX/2022. Which does not even equal {$17000.00}. They then sent an email stating they would hold it on the XXXX stating fear of a returned check. They did not provide any reason to suspect check would be returned as it states is required in Reg CC. Furthermore the issuing bank XXXX has stated funds have already been cleared and received. My bank stated they dont care and they do not care to call XXXX and verify. Even if they received verification of funds being released to hey would hold my funds abnormally long and they can do that. However, Regulation CC states they can only do so if they think they will not receive funds. How can they continue to hold my funds for several business days after receiving funds. I believe this is for their own personal financial gain. They are using my money for a short term investment. Their is no reason to hold my money for several days after receiving it from the issuing financial institution.

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 2019-02-27
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 is missing that should be on the report

Complaint:
I tried to get the credit reporting agency to add a statement to my credit report. I am getting the run around they act like this is something they do not do. I was told by this agency I could do that, but I am getting the runaround. I would like them to add my statement to my credit report.

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 2022-08-07
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: Personal information incorrect

Complaint:
Addresses is listed that I have never lived or been associated with multiple bureaus.. I have contacted them ti have them removed with no success. Also XXXX is reporting a name that has never been associated with me nor is it my name. 

Experian- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX NEVER BEEN ASSOCIATED WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX NEVER BEEN ASSOCIATED WITH XXXX XXXXXXXX XXXX XXXX IS NOT MY NAME NOR AM I ASSOCIATED WITH ANYONE WITH THIS NAME

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 2021-02-24
Company: DISCOVER BANK
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/XXXX XXXX XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX RE : Discover XXXX To Whom it may Concern, I would like to file a complaint about I never opened nor have I authorized any one to open or use my personal information for goods or services. I filed 3 reinvestigations with Discover, I was informed that an investigation had been conducted with regard to a fraud claim I opened with there office. The disposition of the claim concluded that because the address and phone number connected to the credit card account also appear to be connected to me through public record, my credit report and other recourses, the account was found to show no signs of fraud. This is my response to that letter. 

First and foremost I want to be clear that I have been the victim of identity theft. Someone unknown to me has utilized my personal information to obtain and use the above referenced account without my knowledge or consent. I have never lived at, been associated with, nor do I have family members associated with the address XXXX XXXX XXXX XXXX XXXX OK XXXX. These addresses appear to be connected to me because they were used to perpetrate the fraud. I have been XXXX for the past 13 years and I am currently an XXXX  at the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OK. My address has been the same for the past 10 years & during my XXXX I have not had access to a personal phone number or email address. Any emails and phone numbers associated with these accounts or myself have been opened without my knowledge or consent for the purpose of fraud. All payment accounts have been opened fraudulently as well. In light of this information I am requesting that a reinvestigation be conducted to verify this information so that this account can be removed from my consumer credit reports, the attached documents of my prison record, my prison ID, my SSN, A letter from the XXXX XXXX  XXXX XXXX case manager, my police report. I Thank u in advanc for your time, consideration in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: FMA Alliance, Ltd.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I was contacted XX/XX/20 and again today XX/XX/20 from XXXX by a XXXX or XXXX XXXX claiming to be from FMA Alliance on behalf of XXXX XXXX  for a debt collection of $ XXXX. Wanted me to verify my information, which I would not do. 
Contacted XXXX XXXX directly on both occasions whom verified I have a positive account and nothing in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are accounts on my credit report that are not mine.

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 2019-06-11
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am filing a complaint regarding Navient payment plans and the active lawsuit that they are involved with. I am a XXXX XXXX for an XXXX XXXX and has been with the company 3 years now right out of college. I never received any information regarding better payment plans for me besides an IDR plan which increased this year slightly under the amount I was originally charged. Being involved in a XXXX XXXX does not pay the best which does not allow me to pay these payments in full with no other options available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chime suspended my account over a month ago without even telling me. I had about XXXX in there. I been emailing them and calling them, no answers. They asked me for documents, I sent them over a month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
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: Public record information inaccurate

Complaint:
I am submitting this complaint because Experian is committing violations to my rights as a consumer. I am demanding REMOVAL OF THE FOLLOWING FILE from my XXXX report : Bankruptcy filed. Reference # XXXX. Date filed : XX/XX/2015. 

THE BANKRUPTCY FILE HAS BEEN REMOVED FROM XXXX XXXX   and can no longer be reported by the bureaus. Experian MUST delete it from my report. I want my financial freedom back and it is my right to have your assistance. 

I expect this file to be off my report in the next 30 days. 

Please see attached XXXX XXXX deletion letter ( Page 5 ). T hank you.

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 2020-07-07
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:
XXXX XXXX XXXX i have fraudulent account fraudulent account report on my credit report/ ; account opened by someone who stole my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The bank XXXX XXXX XXXX XXXX is reporting a late payment for XXXX & XXXX of 2020 on my credit reports that is violating the law. The Cares Act Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) states that account affected by Covid-19 should not be reported late while Covid-19 is going on, and the law is retroactive to XX/XX/2020. The reported late payments should be updated to payed as agreed and the late payment removed from the credit reports based on the 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 explanation
Consumer complaint received 2020-07-07
Company: ERC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX I mail dispute letters to each bureau reporting Enhanced Recovery 's reporting of a XXXX collection for {$3600.00}, plus I mailed a debt validation letter to ERC so I can get factual information on this XXXX account. I had a XXXX account years ago, but I do not recognize this? 

ERC on verifies the bureau dispute letters with no explanation. ERC never responded to the debt validation letter from XXXX. 

I have read the Date of First Delinquency is suppose to be one exact date, not three separate ones. Isn't this used for the 7 year statute of limitations and the scoring model to adjust my score?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Green Square Company LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On the morning of Tuesday XXXX XXXX, I was contacted by a representative of GreenSquare. He gave his name as XXXX XXXX. I have never done business with this company. When I asked the representative to please send any information by mail, he began to verbally abuse me, calling me a XXXX  XXXX  XXXX. I reported the incident to the company, along with my request for written correspondence of any debt owed, as I am not familiar with this company or any business I have with them, and did not receive any response as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: JPMORGAN CHASE & CO.
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:
Credit reports state no payment made for the month of XXXX 2015. According to banks own records this is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions Inc.
State: AR
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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2020-07-07
Company: Caliber Home Loans, Inc.
State: TN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a home loan with Caliber Home Loans ( switching from a different lender ) because their loan officer advised that she would offer a lower interest rate and be able to close on the home within 20 days of application. 

At this time, prior to the lender switch, I advised the lender ( Caliber Home Loans ) I would have to pre-occupy the home prior to closing due to my lease ending and the assured me and my realtor closing in 20 days would not be an issue. 

The loan officer ( although provided all documentations same day as application ) was not able to close within the time frame provided prior to switching lenders. 

The loan officer XXXX XXXX ignored phone calls, emails, and text messages from myself, my realtor, and the seller 's agent. 

After 26 days passed, I reached out to the lender 's direct manager XXXX XXXX who promised to assist me and assured me closing on the house would not be a problem. With no update from him in three days, I reached out for additional information. I reached out and he then had his boss XXXX XXXX call me to let me know they would not be moving forward with my loan. At this time, I explained the entire situation with XXXX. 
1. I had a loan approved, still valid and ready to close with another lender that I was advised to cancel because Caliber Home Loans wanted to take over my loan. 
2. The promises made were not kept by any team member in this company. 
3. I paid moving fees along with a {$2500.00} deposit to move into the home prior to closing because I was promised we would be able to close on the home in 20 days. 
4. In addition to the deposit, I paid {$1000.00} for 20 days to live there and an additional {$600.00} for the day overs that we did not close. 

XXXX XXXX advised me to email him all expenses which I did and he would update me by end of day on XX/XX/2020 on how the funds would be paid out to me. 

On XX/XX/2020 My realtor reached out to XXXX by phone after he ignored multiple of my phone calls and he ignored her call. She then reached out on her personal phone and he answered. Once she introduced herself he disconnected the call. 

On XX/XX/2020 I had not heard from XXXX so I reached out to his boss XXXX XXXX. XXXX advised I send him an email and include XXXX XXXX and he would make sure that I received my response. 

It is now XX/XX/2020 and I still have not received any response to my calls, texts, or emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Fraud call claims to be credit card company ( Comenity Bank ) but was not. 

The call was from number XXXX. They left an automated voice mail to call XXXX. 

I called and the person answering the phone says I am one payment past due by one payment of {$160.00} and to make a payment using a visa or mastercard. I noticed that the XXXX number was not the number to call on the back of my credit card so I called my credit card number and payment is not due until XX/XX/XXXX. 

I made no payment and told the caller that her number did not match the customer service number for the bank associated with the card on the back of the card. 

They also tried this same attempt last week.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been trying for a several weeks to access my Loan Care account on the online portal. After several attempts at resetting my password I could not access my account to view or make any payments. I have called several times with hold times extending past 3 hours. On one occasion, XX/XX/XXXX, I was able to leave my number for a call back which was 9 hours later. The service representative was not able to help me with my problem and suggested I email customer support. I email customer support on XX/XX/XXXX. It has been 10 days with no response so I tried to call again with wait times over 3 hours. I was not able to continue to hold. I need to pay my mortgage before I am assessed a late fee. I am entitled to access my account as well.

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 2021-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
The account XXXX XXXX  reporting on my credit report is in violation of the FCRA by reporting a balance after the account being closed on XX/XX/2017. Please delete this account 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 explanation
Consumer complaint received 2020-10-16
Company: 360 Credit Consulting
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I was referred to 360 Credit Consulting from a Mortgage lender. The credit company reached out to me and explained their services and I signed on with them in agreement that they would help me repair my credit. After 5 months of paying for credit repair nothing was completed on my file by 360 credit consulting. My credit score only increased because of me paying my bills on time or paying them off. I never received any phone calls or instruction from 360 credit consulting as promised. I paid the company {$500.00} for absolutely nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-01
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Navient has the worst customer service, and I dont say that lightly. For three months I have had the run around with them calling or sending an email to say my payment is late, when I have been told that my account is in auto pay. I have removed the account, re-enrolled, and been assured by my bank that everything is correct. I received confirmation emails that my application went through for automatic payments, and then the same cycle happens again. The last time I called customer service about this and expressed my frustration, the customer service representative belittled me and started talking to me like I was a child. When I asked for her to transfer me to someone competent, she yelled at me. Never in my life have I had to deal with such downright disrespect from people because I dont have the rights to transfer my service to another company without losing the benefits of my repayment history. Its downright abusive. I get anxiety now when I have to call them, knowing that I will be met with contempt on the other end of the line. I followed their so called self help section to rectify the issue to not have to deal with them, and it still hasnt worked. I would prefer to have someone listening on the line when I make a call to make sure they will treat me professionally and fix the issue once and for all so I never have to speak with them again.

Company response to consumer: Closed with explanation