BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-07
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 {$3400.00}. 
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.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -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 2019-02-22
Company: The Bureaus, Inc.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX I pulled all 3 copies of my credit reports. I noticed two ( 2 ) accounts from The Bureaus and Bureaus Investment Group Portfolio NO 15 LLC. In XX/XX/XXXX I disputed the two ( 2 ) accounts with all 3 credit bureaus. In XX/XX/XXXX, all 3 credit bureaus came back as verified. I never received a dunning letter from The Bureaus or Bureaus Investement Group Portfolio NO 15 LLC about the two ( 2 ) alleged accounts. I was not notified within 30 days of them placing negative information into my credit file. On XX/XX/XXXX, I sent a certified letter to The Bureaus specifically stating I needed validation of alleged accounts. ( Letter enclosed ) On XX/XX/XXXX I received correspondence from The Bureaus with a generic Bill of Sale and a bank statement. However, I only received response to 1 alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: Midwest Recovery Systems
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 looked anatomy credit report and saw numerous problems with it. I disputed information that was incorrect and not mine and it came back as verified but was not validated. I never had an account with this creditor and I do not owe this debt. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Convergent Outsourcing Opened XX/XX/XXXX {$590.00} Midwest Recovery Systems Opened XX/XX/XXXX {$7200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My first letter to American Express was on XX/XX/2018 I requested them to investigate the hard inquiry on my credit report because I believe I did not authorize this company to run my report. I received a letter from American Express on XX/XX/2018 stating they are unable to comply with my request. I sent a second letter to them on XX/XX/2018 stating under the Fair Credit Reporting Act they have to mail me a copy of my signed authorization form that gave them the right to view my credit, so that could verify or not verify it being my signature. If they can provide me with this information under the Fair Credit Reporting Act they must delete it off my credit report. I received a letter from America Express on XX/XX/2018 stating once again that they can not comply with my request. I do not feel like this company even looked into my request by the mirrored letters they sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: Experian Information Solutions 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 information incorrect

Complaint:
I have tried to communicate to the bureaus that this account was erroneous.I have now contacted XXXX, and the response is attached.Thanks

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 2020-09-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
A cheque for {$2500.00} was deposited on XXXX XXXX at the Chase Bank on XXXX XXXX XXXX, XXXX Florida to my personal checking account. 
On XX/XX/XXXX the cheque was cleared by the bank. 
Later on that day, and only after it was certain that the funds were cleared, the said funds were utilized for the purpose for which the cheque was issued. 
On XX/XX/XXXX, to our horror, the cheque was reversed, funds were withdrawn from our account without letting us know and we were charged the additional {$12.00}. 

We went to the bank to complain and they said that it was our responsibility to wait 5 days before the cheque would be really cleared. 

The reason for reversing the cheque is that it was allegedly false. 

We do not understand how can cheque be cleared and then uncleared at the discretion of the bank. The funds were utilized and we are now left with a credit of {$2500.00} without fault of our own. 

The bank was not even considering a possibility that clearing and then unclearing the cheque is anyhow their responsibility, but they have easily passed on the blMe to us, the consumer, to somehow verify the validity of the chequ prior to utilizing those funds, even though they clearly cleared the cheque.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Williams & Fudge, Inc
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In the state of Iowa, debt collectors are restored by law to state, " This is an attempt to collect a debt. Any information collected may be used for that purpose. '' This caller, Williams and Fudge, initially contacted me on XXXX/XXXX/XXXX, and did not state that legally obligated statement. Instead, they acted like they could not hear me and repeatedly asked if I was a certain person. I answered yes, and they immediately hung up. What has followed has been months of phone calls from spoofed local numbers ( including my own number calling me ), from Williams and Fudge : Dates and number of calls : XXXX/XXXX/XXXX - 3 XXXX/XXXX/XXXX - 3 XXXX/XXXX/XXXX - 7 XXXX/XXXX/XXXX - 2 XXXX/XXXX/XXXX - 3 XXXX/XXXX/XXXX - 1 XXXX/XXXX/XXXX - 1 XXXX/XXXX/XXXX - 1 XXXX/XXXX/XXXX - 1 XXXX/XXXX/XXXX - 1 XXXX/XXXX/XXXX - 2 XXXX/XXXX/XXXX - 1 They have now added a relatively small collection amount to my credit report without ever having notified me that such a debt was owed. I believe my rights have been violated by Williams and Fudge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: Experian Information Solutions Inc.
State: SC
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:
This was not me. I had identity theft 2 years ago. They did this. Please remove it

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 2020-10-19
Company: EQUIFAX, INC.
State: SC
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:
Please see the attached documents which displays proof that Equifax in fact removed XXXX XXXX XXXX from file. 

This is called reinsertion, and it is a violation of the Fair Credit Reporting Act I was never notified of a reinsertion, as written by the FCRA in which requires that the CRA send you written notice of the reinsertion within 5 day. 

This resinsertion has no validity and no such documentation of validity has ever been sent to me. Equifax needs to comply with the written laws written within the FCRA and I demand that this be permanently deleted from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
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, XXXX XXXX makes this claim that a nationally recognized collection agency known as XXXX XXXX XXXX is trying to collect on debts for a public utility company known as XXXX XXXX, knowing that the legal timeline to enforce any collection on said debt ( s ) have passed a long time ago. However, after several written disputes this collection agency states that the collections will be removed from my Experian credit report XX/XX/2021. This proves that at the very least the legal timeline for enforcement has passed, but I want to state for the record that these two collections are over ten years old each. XXXX XXXX XXXX has re-aged these debts to fit into the 7-year timeline of obsolete information. Another part of my argument is that public utilities can not directly report on credit bureaus, as they are regulated through public service commissions on a state level, and not part of any federally regulated entity such as a national bank, thus the Fair Credit Reporting Act does not apply, and my rights are hereby violated under the Fair Debt Collection Practices Act. XXXX XXXX XXXX is in violation of their subscriber agreement with Experian, knowingly posting unenforceable collections on a consumers credit bureau well past the legitimate timeline for reporting. I ask for a full reinvestigation by Experian and if documentation proves my position, a complete disassociation with XXXX XXXX XXXX would be in order.

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 2020-05-23
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
SO I WAS INFORMED BY A CHASE BANK CUSTOMER SERVICE REP, THAT THEY WILL BE CLOSING ALL MY ACCOUNTS. THE REP PUT IN THE SYSTEM SAYING THAT I SAID WE ARE RUNNING PEOPLE CHECKS WITHOUT THERE PERMISSION. WHICH I NEVER SAID ANYTHING CLOSE TO THAT. AND WE ARE NOT DOING ANYTHING LIKE THAT AT ALL. THIS IS COMPLETELY FALSE, I EVEN EXPLAIN TO THE REP THAT WE HAVE ALL OUR CLIENTS SIGN A LEGALLY BINDING CONTRACT TO PROTECT US FROM THINGS LIKE THIS. I DONT KNOW WHAT SHE PUT IN THE SYSTEM BUT THEN SHE TRANSFERRED TO SOMEONE WHO I COULD NOT UNDERSTAND, DUE TO A STRONG ACCENT. SHE JUST SAID WE HAVE TO CLOSE YOUR ACCOUNT AND WE CANT TELL YOU WHY. THEN SHE HUNG UP ON ME. LATELY WE HAVE BEEN HAVING PROBLEMS WITH SOME OF OUR CLIENTS PAYING WHAT THEY OWE FOR SERVICES RENDERED. DUE TO THE CORONAVIRUS SPREAD OUR COMPANY HAS BEEN STRUGGLING WAY MORE THEN USUAL, BUSINESS HAS NOT BEEN THE SAME AND WE HAVE BEEN RECEIVING MORE BOUNCED CHECKS LATELY. NOT A WHOLE LOT BUT WE HAVE BEEN WORKING ON FIXING THE PROBLEM. BUT BECAUSE OF THE PANDEMIC PEOPLE ARE PANICKING. THIS IS NOT OUR FAULT THAT PEOPLE ARE NOT ABLE TO PAY DURING THE PANDEMIC AND ITS NOT OUR FAULT IF CHECKS BOUNCE. THIS IS THE NATURE OF BUSINESS AND CHASE SHOULD EXCEPT THE FACT THAT THINGS ARE NOT GOING TO BE NORMAL FOR A WHILE. CHASE SHOULD BE MORE UNDERSTANDING TO WHAT IS GOING ON RIGHT NOW. WE HAVE LEGALLY BINDING CONTRACTS SIGNED BY OUR CLIENTS AND THEY ARE FULLY AWARE OF THE PROCEDURES WHEN VIOLATING THEIR CONTRACT AGREEMENT. I CAN PROVIDE PROOF. THIS HAS ONLY BEEN HAPPENING FOR THE LAST TWO MONTHS. CHASE SHOULD BE WILLING TO WORK WITH US ON GETTING THIS ISSUE FIXED, RATHER THEN CLOSING MY ACCOUNTS SO FAST WITH NO VALID REASONS. WE CAN NOT RISK GOING OUT AND GETTING SICK TO OPEN A NEW CHECKING ACCOUNT SOMEWHERE ELSE. PLUS WE HAVE NOT BEEN ABLE TO RECEIVE ASSISTANCE FROM THE SBA, WE ARE STILL WAITING. WE HAVE BEEN TRYING TO STAY A FLOAT. THIS IS NOT FAIR THAT THEY CAN GET AWAY WITH THIS. ALSO, THEY HAVE HELD ALL OF OUR FUNDS IN THE ACCOUNTS SO WE ARE NOT ABLE TO PAY OUR EMPLOYERS OR PAY OUR BILLS. I HAVE ASK FOR THEM NOT TO SHUT OUR ACCOUNT DOWN OR HOLD OUR FUNDS. THERE IS NO REASON FOR THEM TO DO THIS. THE REP ON THE PHONE PUT IN INCORRECT INFO AND NOW WE ARE SUFFERING FOR IT. WE WILL FOR SURE NOW GO OUT OF BUSINESS IF THEY DON'T GIVE BACK OUR MONEY SOON. THEY ARE MESSING WITH PEOPLE LIVELY HOOD. I WOULD LIKE TO RESOLVE THIS WITHOUT THE ACCOUNTS CLOSING. PLEASE HELP US TO GET THIS RESOLVED SO WE CAN GO BACK TO BUSINESS. THEY SHOULDN'T BE ABLE TO GET AWAY WITH THIS. PLEASE HELP.CHASE BUSINESS CHECKING ACCOUNT # XXXX AND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XX/XX/2020 I sent Letters to Experian, XXXX, and XXXX. It is Now XX/XX/2020 and i still haven't gotten a response. I also sent a Failure to Comply letter as well and still no response

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 2021-04-27
Company: Paramount Capital Group, Inc.
State: NJ
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:
There are inconsistencies in the reporting to my credit report. XXXX  and XXXX  are reporting the account as charged off, however XXXX  is reporting the account as an unpaid balance. The balance is not consistent across all thee bureaus as well ( XXXX reporting {$10000.00}. XXXX is reporting {$11000.00} and XXXX is reporting {$11000.00} ). If an account is charged off, it is no longer a part of my monthly responsibilities. Reporting a monthly payment is a violation. FCRA requires that you are consistent across the board with your reporting, and I am showing that you are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach 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 2017-08-11
Company: Santander Consumer USA Holdings Inc.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Attempted to refinance. had conflicting information and a manager explained discrepency but put through a request to settle and stated she would call me back. much back and forth, many promises, gave a settlement but refused to offer any proof of it, verbal words only which new lender could not act upon. Took two months and many times of me calling back because i did not get call backs. Told that late fees and credit reporting would be take care of per them. more missed callback and failed communication. From XX/XX/XXXX to XX/XX/XXXX and payments made BUT applied to principal. Despite my stressing a sense of urgency every 2-3 day promise was more then a week and I ended up having to call back. DID respond via email to my new lender stating they would look into accommodating their request and get back in 2-3 days which they never did, nor did they respond to followup messages. New lender did not process anything due to their failure to respond w/o entire offer finally fell apart. Chrysler then offered a two month payment waiver to eliminate need to back-pay the time this was being negotiated, but failed to send paperwork to do, also promised would look into waiving insurance for that period and get a manager to contact me back in two days. Which again did not happen and when i called back was told they had decided to decline sending the exception after all. Chrysler is refusing to do anything to make good on their issues and is listing me as past due with late charges. My XXXX credit score is also now XXXX which leaves me unable to have any further loans and also impacts my small business credit score as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-28
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today, XX/XX/XXXX, was just notified that my automated payments for one of three houses we have loans through with PennyMac had not processed. Woman said they had called and emailed and sent letters, none of which were received. No attempt was made to contact or dispute the issue. Automated payment is made through their website, no contact was made that the amount had changed. I receive 10 spam calls a week on refinancing and new loans, nothing on my actual loan. 

payment was made within the hour. Called to confirm it was pending, will call tomorrow, XX/XX/XXXX to confirm payment went through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Update to my complaint XXXX complaint CLOSED -- Select Portfolio Servicing , Inc. replied that they won a judgement in XXXX XXXXXXXX, but the XXXX did not pay them. That is demonstrably false. I have reviewed my records from my XXXX XXXX, and the XXXX denied that claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: STERLING JEWELERS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 30 days late as of XX/XX/XXXX with XXXX and 30 days late as of XX/XX/XXXX with XXXX and XXXX  I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX, XXXX or XXXX, Fifth third bank/XXXX  XXXX XXXX had my out repossessed. I was not behind on my payments, nor was I late paying but my auto was repossessed while i was interview for an XXXX  XXXX  ( XXXX/XXXX  ) position with the Commonwealth of Kentucky. This was done without notice or warning. I woke up to go to work and my Auto was missing. This auto was a XXXX. Also I had traded in my XXXX XXXX which had been wrecked with had insurance on it. So not only did they get my Insurance but they were still charging me for the XXXX. I, had already notified the Bank that i was in the process of looking to buy a house or home for me and my XXXX daughters. I won this in Circuit Court but the Bank has not settled for putting this on my credit report as non-payment, which is not the truth. The precedent on this case was because a financial institution claimed the person was behind or did not pay ... so you see the motion was sustained for me. see attached information. The minimum amount is {$500000.00} in Kentucky according to their statues, but the Precedent is substantially more. I am asking them to send me information on the homes/houses they have available plus the {$500000.00}.

Company response to consumer: Closed with explanation