BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

1

5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-07
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: U.S. Collections West, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
we purchased one blue floating week timeshare from the XXXX XXXX ( XXXX XXXX XXXX  ) in 1983. the loan for the timeshare was paid in full ( paid off early ). all maintenance fees have been paid in full and on time all these years. our warranty deed states " an estate for years terminating on XX/XX/XXXX ''. XXXX XXXX states that the timeshare was voted on to be extended for an additional 50 years in 2012. we were never personally notified of this extension nor asked to sign our approval of this extension. the only notice of this was a huge email sent in the winter/spring newsletter that bullet point # 2 says amendment 3 is passed-we have 50 more years. in 2012 we had very little internet access so we did not routinely open or read newsletters online. we only know of this now because XXXX XXXX at XXXX XXXX told us about it and joked that we probably never saw it. we do not believe that anyone should have the right to extend someones debt without their written consent. we are filing this complaint with all entities we can. thru a XXXX complaint the lodge stated that a quit claim deed stated that the timeshare had been extended. we finally located our copy of the quit claim deed from 1998 and the letter attached to it. the quit claim deed changed the way the timeshare week title was held from tenants in common to joint tenants. we can find no written reference to extension of the timeshare in the quit claim deed. there is a statement of " ownership become tenancy in common in the year 2022 '' which is the way the original warranty deed read when we purchased it. we are in our 70 's and have health issues. this is becoming very stressful. XXXX XXXX has turned over our debt for the 2023 maintenance fees to u.s. collections west in XXXX, az. XXXX XXXX offered 3 ways to exit the timeshare. we live on social security and make just enough that we don't qualify for the hardship return. we can sell it however no one wants timeshares anymore. craigslist is full of ads practically giving them away. or we can pay the XXXX XXXX 5 years of advance maintenance fees to return it. we believe our contract was fulfilled and do not intend to pay anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: EQUIFAX, INC.
State: SD
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:
We started our lease with XXXX XXXX XXXX in XX/XX/XXXX on a XXXX XXXX XXXX. Initially, their promotion was that XXXX will make our first payment, so when the payment invoice for XX/XX/XXXX showed up, we contacted XXXX to make sure they would make the first payment. XXXX claimed that they already made the first payment when we took delivery of the vehicle in late XX/XX/XXXX, but no record exists of them making any payment. Our recent credit report shows our payments over 30 days old, which is not true. We printed off the entire payment history and none of our payments have been over 30 days late. We discussed that with XXXX XXXX XXXX ( they have documented comments ) and they reversed a {$34.00} Late Fee and agreed to update our payment history to show NO delinquent ( over 30 days ) payments. That has not happened yet. Our normal payment date is the XX/XX/XXXX and payments started XX/XX/XXXX ( assuming XXXX made the first payment in XX/XX/XXXX ). We want our payment history to be clear with no late payments over 30 days with XXXX as they promised during our phone conversation XX/XX/XXXX. Can you help us correct this with XXXX? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I hope this letter finds you well. I am writing to file a complaint regarding late payments that have been inaccurately reported on my credit report. I have attached copies of relevant documentation to support my claim. 

Accounts : XXXX XXXX XXXX XXXX Account # : XXXX Problem : Outdated XXXX XXXX XXXX Account # : XXXX Problem : Inaccurate information on late payments. 

XXXX XXXX XXXX XXXX XXXX Account # : XXXX Problem : Inaccurate information reporting late payments Despite my efforts to rectify this matter with the creditor directly, the inaccurate information persists on my credit report. I believe that these inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ) as they are negatively impacting my creditworthiness and financial standing. 

Enclosed, please find the following supporting documents : 1.Copies of correspondence with the creditor attempting to resolve this issue. 


I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies on my credit report. I understand the importance of accurate credit reporting and the impact it has on consumers ' financial well-being. 

Thank you for your prompt attention to this matter. I appreciate your assistance in resolving this dispute and ensuring the accuracy of the information on my credit report. 

Sincerely, 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 2020-01-07
Company: Experian Information Solutions Inc.
State: FL
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 company charged me finance charges, late fees and refuse to correct the delinquent remarks on my credit. The company is aware of me working overseas at the time of the instances. Ive sent letters repeatedly, the response Ive received is ; my letters are frivolous. Im seeking assistance in this matter or I will have no choice but to contact the Attorney Generals office.

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 2022-01-26
Company: Specialized Loan Servicing Holdings LLC
State: IA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A loan was obtained with XXXX in XXXX, The next year my husband and I divorced. The degree stated we were each responsible for half the loan. I paid my half and it was clear that my ex was not going to pay his half. I continued to pay for as long as I could. In the meantime the loan was sold off to Specialized Loan Servicing. Finally the property was foreclosed on in XXXX. At the time it was discovered that XXXX never recorded it as a second mortgage. The bank took the house and it has been sold off to another party. I notified SLS in XXXX of the foreclosure and that I could not financially take care of the loan. They offered a settlement, which I forwarded to the other party on the loan. It was not settled. I have attempted to contact SLS multiple times and offer to settle this debt. They continue to respond with information on short sale and how to prevent foreclosure. That is long gone. There is no property. I have no assets other than a XXXX XXXX XXXX and a XXXX camper. I am willing to settle this debt with them in the amount of {$3500.00} that was owed at the time I couldn't make the payment anymore. The other party is clearly not going to take responsibility and I want to clear it up. I understand the effect it will have on my credit. The loan is now well over the original amount that was owed with all of their fees and penalties. Again, I have attempted multiple times to contact them and settle this. They have contacted me during the day while I am at work and can not take the call. When I try to call them back I can't get through because they want the mortgage information on a house I haven't owned since XXXX. Can someone please just help me with a debt settlement to take care of this debt. Point me in the right direction to settle this debt. I am willing to settle for an amount less than all these ridiculous fees and penalties. I have paid more than half of the original loan already.

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 2020-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 company charged me finance charges, late fees and refuse to correct the delinquent remarks on my credit. The company is aware of me working overseas at the time of the instances. Ive sent letters repeatedly, the response Ive received is ; my letters are frivolous. Im seeking assistance in this matter or I will have no choice but to contact the Attorney Generals office.

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 2019-12-29
Company: DISCOVER BANK
State: CA
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:
I encountered a fraud w.r.t. HVAC installation using Discover credit card to pay {$2300.00} on XXXX, but Discover determined it's a valid transaction and didn't give me a refund. 

I paid the merchant XXXX XXXX XXXX XX/XX/2020, for the installation on XX/XX/2020, and I contacted Discover to reverse the transaction on XX/XX/2020 as soon as I realized it's a fraud. 

The installation team on XXXX claimed that they didn't receive any payment from the merchant, and threatened me that they would pause the installation and leave all the parts in my house if I couldn't pay them on the spot. I had no choice but paid a separate check to them. The merchant told me he had an emergency and didn't reply until I asked Discover to withhold the transaction.

I submitted a dispute with Discover afterwards ( case number : XXXX ), but after a few months, Discover said my payment was a valid transaction because both the merchant and I have signed the contract for the payment, which means I authorized the payment. However, they didn't care whether it's a fraud or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I purchased online from the company on XX/XX/2021. I was given a code to use for a 30 % discount if I signed up for a new credit card with New York & Company. I used the code online but it did not show up when the transaction went through. I then called the same day of the order and was given a refund/credit of {$95.00}. When the statement came the amount of the full charge without the credit was showing. I called in numerous times for months and was told numerous times it would be fixed. As of today it has not and now I have late fees and a late payment on my credit report which I was told would not happen as an investigation was taking place. I have ZERO late payments and this has affected my credit tremendously. I was lied to every single call and feel like I was being scammed into paying money that I did not owe. This has caused extreme stress.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-09
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have an impound account with my mortgage and a debt collector on a credit card from years ago attached the payment to my impound. I have tried to cancel my impound but they have told me that I do not have that option. 
Please contact me if you have further questions. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Bread Financial Holdings, Inc.
State: TN
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:
I JUST RECEIVED A LETTER STATING THAT THEY WILL NOT REMOVE INCORRECT INFORMATION THAT THEY HAVE REPORTED ON MY CREDIT. I HAVE FILED A COMPLAINT WITH THE CFPB BUT NOTHING HAS BEEN DONE. I 'VE ASKED THIS COMPANY SEVERAL TIMES TO SEND ME PROOF THAT I SIGNED FOR THIS LOAN/ACCOUNT ALSO ALSO ASK TO SEE THE VALIDATION OF DEBT LETTER. IN WHICH THIS COMPANY REFUSES TO SEND ME. I KNOW THAT.S AGAINST THE LAW FOR THEM NOT TO SEND ME THE INFORMATION I REQUESTED. I 'VE ASKED THEM TO SEND ME THE SIGNED CONTRACT FOR THIS ACCOUNT, BUT THIS COMPANY REFUSES TO SEND ME THIS INFORMATION. THIS IS AGAINST THE LAW. I 'VE SENT PROOF SHOWING MY NAME AND ADDRESS AND THE ACCOUNT THEY ARE LISTING IS INCORRECT. I NEED FOR THE CFPB TO HELP WITH THIS ISSUE INSTEAD OF CLOSING THIS ACCT WITHOUT SENDING THE ITEMS I REQUESTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07
Company: EQUIFAX, INC.
State: FL
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 company has my billing information incorrect. They charged me late fees and finance charges and refuses to remove the delinquent marks from my credit. The company is aware I was overseas working during these instances and refuses to assist me. Ive sent letters repeatedly and they advised me the letters are frivolous. Im asking for assistance in this matter. Or I will have no choice but to contact the Attorney Generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
RE : XXXX XXXX - XXXX I've called customer service in times past asking for notifications BEFORE my payment. Since I've called customer service I've not received notifications. As a good paying customer ( and I am ) please ensure I receive notifications prior to payment due date AND I need the billing statement prior to payment due date. This is a requirement of the creditor. If the creditor would work with me I would not have a late payment on 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 2022-01-26
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

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 2022-01-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been using Chase Checking account, Saving account and credit cards for the past 14 years. I made direct deposit every month ( my W2 income ) and I never missed a payment. 

On XX/XX/2021, I first could not use my credit cards and checked online banking and found that all of my credit card accounts with Chase were closed. My debit cards were closed later in the month. There was no email, mail, phone, text or any sort of communication from Chase regarding the closing of the accounts. They just closed the accounts like these accounts never existed. I realized my accounts were closed when I tried to swipe cards in a store and it never went through. I have linked many autopays to the chase checking account, and this caused several return check fees. 

I called Chase, including customer service , fraud department and some departments they transferred me back and forth. The experience was the WORST of worst. When they heard that my accounts were closed by Chase, they did not treat me same as before. I cried several times for this kind of treatment. I list some below : - Told me to wait then let me wait in the line for more than THREE hours and never got back to me. 

- After several transfers, a customer service staff cut off my words and hanged up the phone directly when I was still speaking. XXXX- that was the only word I could think of at that moment. 

- Had many calls, nobody could tell me why my accounts were closed and why there were no communications. They just said - I DONT KNOW, and I don't know who knows. 

- Sent msg through Chase online system. Received a reply saying that somebody will contact you. And nobody ever reached out. 

After all these calls with Chase, after a lot of cries, I felt strong HUMILIATION as a loyal customer for more than 14 years and Chase was the only checking account I had for the entire 14 years. When they closed your accounts, they did not inform you, they did not disclose the reason, and they did not want to communicate with you AT ALL. You will feel you were abandoned after you got 14 years direct deposits to Chase... This is HORRIBLE! How can Chase treat a customer this way?? Is this the right way to do things?? I strongly regret that I have recommended Chase to my friends. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I really hope Management from Chase can see this complaint and tell me whether this is right to treat a customer of 14 years. Is this the Chase Style? What's wrong with Chase?

Company response to consumer: Closed with explanation