BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2019-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America is refusing to issue me a check. I went into a branch to ask for a temporary check and they refused to issue me one offering instead to make me pay for an order of checks that would take two weeks to arrive.

This is the most ridiculous situation. There are sometimes when a check is necessary. BofA issues three temporary checks when an account is opened. Apparently they don't issue any more than that.

BofA ripped off the american public to the tune of billions of dollars yet I can't get a check. 

Their customer service also totally XXXX. When did this new rule come into being.

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 2023-03-06
Company: EQUIFAX, 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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXXXXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX  XXXX. ) XXXX Balance : {$690.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX. ) XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I requested fraud alert be removed from my credit file so i can apply for credit, I was then told to submit documents and fraud alert removal form on Experian website and upload, the online system would not let me upload after numerous attempts.

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 2020-09-22
Company: JPMORGAN CHASE & CO.
State: CT
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020, I bought {$320.00} worth of clothes from XXXX. The package never arrived, though the shipping company, XXXX, marked them as delivered. I contacted XXXX, who said XXXX confirmed the package was delivered. XXXX refused to refund or reship the clothes. 

On XX/XX/2020 I opened a dispute with Chase for this charge. Shortly after, I got an email from XXXX saying the clothes would be reshipped. I contacted Chase to cancel the dispute. Later that night I saw that the shipping information in the XXXX email was from the initial shipment. When I called XXXX to confirm the new tracking information, they said it was a mistake and they would not be reshipping the clothes. So I called Chase again, I believe on XX/XX/XXXX, to reopen the dispute. 

Chase said they could not reopen the dispute immediately and would need to wait until the dispute was officially resolved in their system. Instead, they suggested that I contact Chase through their secure messaging system. On XX/XX/2020 ( exact date unknown because that message was archived from their messaging system ), I sent Chase a message through their secure messaging system to  reopen the dispute. I never got any communication about that dispute. 

After months of no response, I emailed Chase on XX/XX/2020 to reopen the dispute. On XX/XX/2020, they responded saying they disputed charge is valid because it was past the 90-day period to dispute the charge. 

I also emailed the shipping company, XXXX, in XX/XX/2020 to inquire about my package. They claim to take pictures to confirm delivery, so I asked to see proof of delivery. They redirected me to XXXX and did not respond to my inquiry. 

Finally, in XX/XX/2020 I contacted Chase again to follow up on the dispute I initiated in XX/XX/2020. They said that they can not request funds from XXXX because the 90-period has passed, that they can not initiate a dispute for the same reason as before ( missing package ), and that they can not take any further action. This information conflicts what I was told in XX/XX/2020 when Chase suggested that I reopen the dispute ; at that time, they didn't tell me that Chase would not open a dispute for the same reason as before. 

I am extremely frustrated that all three companies, Chase, XXXX, and XXXX, have refused to refund my money for a package that I never received. I have been given conflicting or incorrect information, and Chase refused my request to reopen the dispute I made in XX/XX/2020 without informing me. I feel like I've played by the rules, was taken advantage of, and am being penalized for inaction and misdirection by these three companies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-11
Company: Nelnet, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
PRE-SELECTIONS DID NOT MEET CRITERIA FOR PURPOSE OF THIS CORRESPONDENCE. THIS IS DEBT VALIDATION. SEE ATTACHMENT.

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 2023-02-13
Company: GOLDMAN SACHS BANK USA
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Goldman Sachs ( Apple Card ) Limit : {$2500.00} XXXX suffered several lost during the COVID Pandemic to include being furloughed from my job at XXXX XXXX. I submitted calls and letters to the company in regards to my monthly payments. They enrolled me in programs that suspended monthly payments for several months. The forbearances didn't cover all the months I was without pay from work as we were furloughed without pay and unemployment benefits. I could afford to XXXX every payment every month so I missed a couple here and there. Currently, I am XXXX XXXX XXXX on short term XXXX and have been since XX/XX/XXXX. I have asked for assistance in repayment options in order to not have negative effects on my credit but they have refused and consistently reported late payments. 


Months Reported Late : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Months Reported Late with XXXX Dollar Balance Due : XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: EQUIFAX, INC.
State: TX
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 filing a complaint and am provide letter sent by certified mail to experian on these unknown inquiries. I have no knowledge to the below inquiries therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I wish to see the original sources of the information reported including the original documents authorizing such inquiries with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 
Based on the FCRA and FTC Law, all information must be accurate, no errors and verifiable. I have attached a copy of my driver license and social security card

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-04-20
Company: Security Credit Services, LLC
State: GA
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:
I am a victim of Identity Theft and have supplied the credit bureaus with the proper reports as well and placed locks and fraud alerts on my credit reports. I have never done business with security services or the company that they are attempting to collect on behalf of. I was notified of this account on XX/XX/19. They have failed to acknowledge my concern and notify the credit bureau that this needs to be removed. My rights under FCRA are being violated. I already am dealing with the identity theft in itself and on top of it, I know have this fraudulent company tainting my image.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: EQUIFAX, INC.
State: OK
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 filed bankruptcy, and my 2 year window is up to apply for a mortgage loan. My discharge date was XXXX XXXX XXXX all three credit bureaus have the incorrect date in there system, that reads XXXX of XXXX which is not correct. This has caused me to get turned down by two Lender 's and my credit score has dropped tremendously because of this and this is affecting my way of living. My goal this year was to be in a new home by now i should have been Closing on my new home, but that is not the case. I talked to XXXX over the telephone and they assured me that they had the dates correct on there end. It was very hard to get in contact with equifax and XXXX because they do not have a direct telephone number. I even had a lender to reach out to all three credit bureaus and i signed a authorization form for them to update or take the incorrect date off of my reports and they told my lender that they updated it, so she ran my credit again like a month later and the same thing is just sitting on my report. This really anger 's me because now i have extra family and i stay in this 2 bedroom apartment. Please help us to fix this simple issue. I have uploaded the form that i filled out to send to all three credit bureaus..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: Experian Information Solutions Inc.
State: LA
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:
Experian is showing a hard Inquiry that shouldn't be on my report! 

XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX phone : XXXX date : XX/XX/2019 On XX/XX/19, I called XXXX XXXX over the phone to switch phone plans. I was told I had to Submit a SOFT INQUIRY to verify my identity just as insurance companies do. Minutes later, I received a HARD INQUIRY alert on my credit monitoring app that's shows XXXX XXXX have placed a hard inquiry on my credit report. I asked to speak with a manager on duty and i was informed by the XXXX XXXX manager, the hard inquiry will only last on my credit report for less than 30 days than it will automatically be removed. I DEMAND THIS INQUIRY BE REMOVED ASAP! THIS IS NOT A DISPUTE TO VERIFY IDENTITY. I AM REQUESTING IT TO BE REMOVED DUE TO POOR EXPLANATION BY XXXX XXXX STAFF!

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 2021-06-25
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection Services of Athens keeps stating they are not collecting on behalf XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  yet theyre still on my credit file, they are still in violation of the FCRA by not providing me documents to me in regards to this debt and my HIPAA rights because I do not recall giving permission to even release my medical information to them. This account is unverified and immediately needs to be deleted from all my credit files : XXXX XXXX XXXX XXXX The business is to disclose to me ALL signed documents they have recorded and retained in their files that pertain to this debt. If Collection Services of Athens does not have any documentation, they need to retract this from my credit file 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 2023-08-01
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXXXXXX XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022 & XXXXXXXX XXXX XXXX of Inquiry XX/XX/2022

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 2023-02-13
Company: Designed Receivable Solutions, Inc.
State: AL
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 have reached out to this company no less than three times. They have failed to provide proper validation, and continue to report the account in error. Account number is reported with symbols. Account status is not in compliance. It has not been 12 months since the original date of service. This is considered a HIPAA violation, as I gave neither party permission to share my medical records. Both of these accounts have the same account number, and are reporting twice. Surprise billing act has also been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX, XXXX bank charged off the account to Midland Credit Management I tried to tell them it was l already settled a identity theft and taken off my credit report and they hung up on me. This is NOT my debt I do NOT owe Midland Credit Management or XXXX bank this was a result of identity theft. XXXX $ is what they say i owe which is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX, Equifax and XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 states- A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B- A creditor may not treat a Paton a credit card account under an open end consumer credit plan as late for any plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: KLS Financial Services, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX of XXXX, NC has compromised my medical information by selling the debt without my authorization and consent. XXXX  of XXXX, NC also sent a signed copy of my consent to release my medical information to health care providers only to the to a debt collector ( KLS ) in which is a serious HIPPA violation, this medical debt that is under {$500.00} is reporting to all three credit bureaus without my consent, XXXX  of XXXX NC sold my medical information to KLS Finance service XXXX, NC. They had no right under the HIPPA law to disclose any of my medical history including bills.

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 2022-03-02
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
It's a lot of issues so I'll keep it short, I was diagnosed with XXXX XXXX XXXX XXXX in 2017, it has taken me 5 years now to finally finish treatment and I am now just starting back to work literally Monday, my husband had an auto body and paint buisness that shut down due to COVID-19 pandemic. We had used up all our resources and finally I'm starting work again and my husbands body shop has slowly started to get a few customers again, now after we thought we got a defer in payments on mortgage starting to resume on XX/XX/XXXX I get a notification from sheriff telling us to vacate by XXXX, I thought everything was going to be okay, I contacted Vanderbilt Mortgage and they want an amount to keep my home that I just don't have yet, I have to get a few paychecks in first and now I'm about to be XXXX after 17 years in the same job I got sick and I needed help and now I'm going to lose everything on top of what I've already lost has me guessing now why did I even seek treatment when I was sick, I don't know what to do, I just turned XXXX last month and I don't know if I have the strength left to start over anymore. The mortgage company is already charging me 12 % interest and I've already paid 10 years out of the 20 year loan and now I'm losing it. I can't even believe this I'm seriously thinking of ending everything because I can't take another loss on top of what I've already lost, my XXXX, my XXXX XXXX so technically I'm not even a woman anymore and I still can't even look at myself in a mirror and now my home, my credit, my teeth because XXXX destroyed those and I can't afford to fix them, I just want to lay down because I'm tired and I feel like an old work horse that is not wanted anymore. I've worked my entire life like a man to just lose everything I've earned, I've had to eat so much XXXX to get what little I have, I have worked myself into XXXX XXXX XXXX and countless XXXX XXXX and XXXX from the type of work I've had to do to just be told to leave my high interest over priced mobile home that's already falling in anyways, this is too much for me to handle. Life is not fair and I totally get that, however I'm absolutely disgusted with the entire situation that I'm literally XXXX XXXX daily, not sleeping, XXXX, and uncontrollably crying that I don't even know how I'm going to keep my new job because I can't even function at this point. I at least out of everything I have my XXXX acres of land paid off and it's mine, the mortgage company will have to remove trailer but still my credit is destroyed and what good is my land without a structure on it to live in. Sincerely... .. XXXX XXXX, and giving up ... Because I just am tired, I am so so tired of pushing that I have no push left in me.

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