BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Ive sent several letters to the bureaus and have no XXXX anything back. My first letter dates back to XX/XX/2021. There are inaccuracies in my report that they have failed to investigate in the appropriate time period.

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 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
XXXX XXXX HELOC - I began refinance of my Home on XX/XX/XXXX. Credit report showed paid as agreed for XXXX XXXX HELOC. This account was also verified with XXXX XXXX XXXX and me on the phone and XXXX XXXX stated that there were no late payments The mortgage company ran our credit a few more times and surprisingly on XX/XX/XXXX XXXX XXXX added a late payment for XXXX which is not correct. I have made all my payments on time and in 14 months have not received one late payment fee. I have been working with XXXX XXXX HELOC department to rectify this since XX/XX/XXXX and the late payment is still on the credit report. This is incorrect and XXXX XXXX is not returning messages although I have a dedicated individual that is supposed to be clearing this up. After speaking to a representative today they can't seem to explain but told me I was late in XXXX. I have a copy of all payments for the last year and I was not late once. Now our FHA refinance is in jeopardy. XXXX XXXX is one on the worst organizations I have dealt with.

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 2023-10-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Experian, Please see attached - there's a fraudulent hard credit inquiry on my report that needs to be removed immediately of : EXPERIAN 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 non-monetary relief
Consumer complaint received 2020-06-02
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This private lender servicer ( Firstmark ) is not applying payment principal correctly. I've asked them twice to tell me why the amount applied to principal for every payment varies so widely. For example, the last two payments were made within a day of each other : 1. XX/XX/20 payment : {$120.00} principal, {$42.00} interest 2. XX/XX/20 payment : {$83.00} principal, {$86.00} interest They then sent me a standard response about how they calculate. Using their own computations, I can't get the distribution above. 

This is just two examples. 

My daughter borrowed {$8300.00} originally from XXXX XXXX XXXX. Then they " capitalized '' thousands of dollars in interest, and now my my daughter owes more than she initially borrowed. This is a travesty - she attempts to improve herself with a great education, and she ends up owing money to legal loan sharks. 

Please help her and me. I am a co-signer for her loan. 

Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I have not received a monthly mortgage invoice or correspondence regarding XXXX changes to my ARM loan from XXXX XXXX XXXX ( XXXX, a CHASE affiliate ). Prior to XX/XX/XXXX, XXXX routinely sent my monthly invoices via regular U.S. mail. I contacted XXXX  customer center and was told that invoices were mailed to me for the referenced months, and that they would resend my XX/XX/XXXX invoice. To date, I have not received an invoice or correspondence for the months of XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX. 

During this referenced time period, my address has not changed. Additionally, I have not experienced any disruptions with the US. Postal Service mail delivery to my address. Specifically, I have continuously received other invoices and correspondence from entities other than XXXX. 

My request is to investigate this CHASE affiliate, because I am very concerned as to whether they are intentionally not sending monthly invoices believing that I will default on my payments or something else. 

XXXX XXXX XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: BANK OF NEW YORK MELLON CORPORATION, THE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
1- XXXX XXXX XXXX XXXX XXXX authorized by the XXXX XXXX XXXX with firm reference XXXX ) Initiated a XXXX wire transaction of mine by their partner bank XXXX XXXX XXXX as real sender bank ) / XXXXXXXX XXXX  ( as senders correspondent bank ) through invalid receivers correspondent Bank ( Bank of New York Mellon-USA ) which is not the formal Beneficiarys correspondent bank for XXXX  transactions of my beneficiary bank ( XXXX XXXX XXXX XXXXXXXX XXXX as per my beneficiary bank also as per third party XXXX route tracking service ( XXXX  ) and failed to deliver it to my beneficiary bank account with following payment details : XXXX : XXXX Reference # : XXXX Dated : XXXXXXXX  Amount : XXXXXXXX XXXX XXXX I asked the Bank of New York Mellon XXXX XXXX XXXX XXXX XXXX ), in its alleged capacity as the beneficiary 's correspondent bank, to show a receipt from the beneficiary 's bank or the next bank to BNY Mellon in the XXXX route that received the transfer from them ( My request was evaded ).

3- Instead of showing the receipt, they asked me to write to the beneficiarys bank and order them to send XXXX messages to BNY Mellon Bank XXXX As a matter of repetition, I sent their request to XXXX XXXX XXXX, which responded that it was not possible to contact them through the XXXX network because they were not their correspondent bank. 

4- So, I accuse BNY Mellon bank of misleading justice , causing intentional harm, delaying the arrival of international transfer. 

Evidences attached with this complain ( XXXX ) including but not limited to the following : XXXX XXXXXXXX - BNY Mellon Bank correspondences with me. 
XXXX XXXX - XXXX XXXX correspondences with me XXXX XXXX-Third party tracking service-The neglected proper USD GPI route -Payment XXXX status XXXX XXXX - XXXX XXXX  statment-XXXXXXXX XXXX XXXXXXXX transaction invoice and XXXX sample

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Alliant Capital Management LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am writing to file a formal complaint against Alliant Capital Management LLC XXXX XXXX XXXX for their persistent and inappropriate debt collection practices. My information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX I am disputing the validity of a debt associated with account # XXXX ]. Despite my attempts to address this matter directly with Alliant Capital Management LLC XXXX XXXX XXXX, their actions have been both aggressive and unacceptable. 
I have experienced persistent and unwarranted phone calls from Alliant Capital Management LLC XXXX XXXX XXXX. The frequency of these calls is unacceptable. Additionally, I find it highly inappropriate and concerning that they reached out to my mother on XXXX the alleged debt. 
I will attach the screen shot of the voicemail they left her. 
I have taken the following steps to resolve this issue : On XXXX spoke with a lady at Alliant Capital Management LLC XXXX XXXX XXXX XXXX She assured me that the matter would be resolved, but unfortunately, there has been no resolution to date. 
I sent an email to XXXX outlining the details of my dispute. I have not received a response. 
I have attempted to contact Alliant Capital Management LLC XXXX XXXX XXXX by phone at XXXX on multiple occasions, but my calls have gone unanswered. 
I urgently request the CFPB 's assistance in addressing this matter promptly. My desired resolution includes : Ceasing and desisting all communication from Alliant Capital Management LLC XXXX XXXX XXXX. 
Any appropriate action to rectify the harm caused by their actions. 
I appreciate your attention to this matter and look forward to your prompt assistance in resolving this dispute. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: OK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried mailing and uploading these supporting documents but getting nowhere. Please pass these documents to XXXX, XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I mobile deposit my social security check XX/XX/XXXX it was accepted and approved and said it would be available XX/XX/XXXX every since then they've just been lying constantly and giving me the runaround i complained to the FDIC which referred my complaint to the OCC and then chase bank agreed in a letter that i go into a branch with 2 forms of identification and they would release my money i did a branch manager called and then scanned the documents to the back office and they said it would be 24hrs then still lying and saying they didn't receive them 1 said another said they were blurry so of course I've completed the bringing the documents twice to the XXXX XXXX XXXX and twice to other branches still saying blurry some representative even said that they haven't received anything so on XX/XX/XXXX chase preformed a transaction called a XXXX XXXXXXXX check charge for my whole XXXX dollar check amount that was in my account without notice i just happened to check my account and noticed all my money gone so i keep asking where's my money money no one knows well i went into the branch and the manager called the bank office which said the funds was still restricted in a different account even after having some saying my money was mailed out to me when i explained that i have informed delivery which is a XXXX service that allows a customer to receive a scan photo everyday of every piece of mail coming to your address in your email so i explained to them there hasn't been no mail at my address from Chase in the last 30 days so now there admitting that the funds was still restricted and no can explain to me when or why i can't access my money the check definitely has been paid i have documents from social security so can someone please help me and let me not forget that without notice i went to check my account XX/XX/XXXX and now my account is closed no longer exist i even went to the branch and was told account closed and there and even when i called no still can't tell me when will i receive my money from my XXXX social security check deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: Absolute Resolutions Corp.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ABSOLUTE RESOLUTIONS IS REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT.

15 USC 1681e ( b ) - ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates you are also in metro 2 violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have had dozens of instances where a charge will show pending, which according to them means that the charge isn't final but is reflected in my available balance, then when it finally posts all of a sudden my account is overdrawn and I have overdraft fees charged. When I talk to someone at the bank, they only offer to refund some but not all or they refuse to refund any of them

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 2020-12-10
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I am a victim of a money scam. I was told to make a money order in the amount of {$2500.00} to help secure a family box for a US service member being deployed in XXXX. I deposited to a persons XXXX XXXX  XXXX account in Texas thinking that its safe to do so otherwise the person would not give out bank account information to me. Then the person asked for {$6800.00} to have the family box stamped at airport customs. I bought a cashiers check and deposited it into the same XXXX XXXXXXXX XXXX account. After 2 more payments, I realized that I was scammed, I contacted my bank fraud team and was told theres nothing they could do because its an authorized transaction. And the bank would not do a fraud report to notify XXXX XXXX  XXXX. I contacted XXXX XXXX  XXXX and was told they can not give out any information or start Any investigation unless my bank file a fraud report. Please help me to have the banks look into the problem and investigate the other persons account to find out the account holder and help me recover the payments. We are humans and mistakes happen. Thank you so much

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 2021-08-12
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The Home Depot Consumer credit card sends me a flagellant bill and when I reject to pay, each month adds interest rate and sends me much larger bill. On XX/XX/XXXX I call to customer service in regards of my Home depot credit card. I payed all the bills required and asked them to close all my accounts. I was insured that I payed everything and my accounts are closed. Later, Home depot consumer credit card of City Bank started to send me bills with large amount of money increasing every month. I called them many times and verified that I have nothing to pay since I payed my bills on XX/XX/XXXX. They sent me a later telling that them by mistake sent some amount of money to my XXXX  XXXX XXXX account and I have to send that money back. I vitrified with XXXX  XXXX XXXX that nothing was deposited from Home Depot consumer credit card of City Bank.

I asked the City Bank to remove charges from me because I do not responsible for somebodies mistake and I was overcharged. However I still receive larger and larger bills and the also affect my credit score. I'm legally XXXX and XXXX. Please help me to resolve this problem

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 2022-04-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are multiple inquiries that I dont recognize on my credit report. Please investigate this issue. These inquires I did not authorized. This is improper use of my information and Its damaging my financial reputation. If there is no evidence to suggest or verify it was me, please remove 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 2018-10-30
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I reached out to the debt collection company " Sunrise credit services '' for validation of debt listed on my credit report, upon receipt of my certified and registered letter, they responded with a letter which did not include itemized statements, or the initial date of delinquency. Without the validation of this debt the collection being reported would not be legal.

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 2021-01-26
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Back in XXXX, XXXX, I learned that XXXX XXXX XXXX  was reporting that I was delinquent on my mortgage in XXXX and XXXX of XXXX. That was not possible since I sold my house on XX/XX/XXXX. I called them to find out what the issue was. They stated that they did not receive the payment. This is also incorrect as I have a copy of the wire transfer date to the company which was dated XX/XX/XXXX @ XXXX EST. This information was provided to me by the closing attorney. I have called several times requesting to speak with a manager. I called last month and spoke with XXXX. I called today and spoke with XXXX. They both told me that a manager would call me and I never received a call nor has anyone left a message for a call back. I need them to reflect the correct information on my credit report. They need to remove the two late payments which are hindering me from securing a mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: TX
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:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-02
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Coinbase won't allow me to buy /sell or withdraw because i couldn't get though the ssn Identity Verification but im positive that every info i entered is correct. im trying to withdraw funds to my bank but it won't work. its saids i need to provide additional info to withdraw. coinbase already have my ID and infos every time i try to fill the additional info it it always say can not locate my ID and will locked me out for certain hours in order to try again I contacted coinbase numerous time with no luck. coinbase already approved my identity i sent all the document they needed. when i first register for coinbase eveything works fine i can buy/sell and withdraw small amount of funds after sometimes it won't let me do it anymore. please help and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Commonweath Financial has placed this account on my credit report-it is not mine. I have disputed it and requested based on the Fair Credit Reporting Act and the Fair Debt Collection Practices Act numerous time for them to validate it. They never have, they continue to ignore me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
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: Account information incorrect

Complaint:
Spoke with XXXX XXXX XX/XX/2020 and Disputed with Equifax, XXXX, and XXXX in XX/XX/2020 reference to them reporting Account Status : Charge Off on my report and All Three Credit Agency reports different information. Also the amount of the car payment is incorrect {$560.00} and XXXX XXXX also reporting I still owe {$350.00}. ALL Credit Agency said Verified Information Is Accurate. I paid the car loan in full and the account was never sent to collection or written off. I have the car title and recorded conversations with employees and a letter from XXXX  stating the car was paid in full and my title would be mailed in which I did receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Chime Financial Inc
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
This card company chime denied my dispute I sent them documents of me having COVID 19 up untill now the people stole XXXX $ from me I've been in the house for XXXX weeks could go anywhere so to COVID 19 they have taken my money make it hard for my living and life..they have been acting out of racism.. they approved a claim for XXXX $ and laughed at me ..saying I did these transactions that's attached below

Company response to consumer: Closed with explanation