BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11
Company: EQUIFAX, INC.
State: OH
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 inaccurate and unknown things on my credit report to this over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/XXXX, I mailed XXXX XXXX  a check for {$550.00} to cover the cost of my XXXX XXXX XXXX Credit card. The account # is XXXX. XXXX XXXX  processed by check and have yet to send me a receipt or send the 3 Credit reporting agencies this information. I have disputed this with the 3 Credit reporting agencies as well. Providing them with substantial documentation. Yet, all parties involved have updated this information for my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10
Company: Experian Information Solutions Inc.
State: AZ
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 have tried numerous times this year to solve an issue with Experian. Experian is reporting a Bankruptcy on my credit report that I have no knowledge of. I have reached out to XXXX XXXX and United States Bankruptcy Court on confirmation of the Bankruptcy. XXXX XXXX does not have a Bankruptcy listed for me at all and there is also a freeze on my report, so how was that possible. United States Bankruptcy Court does not do business with credit bureaus at all. I have asked several times for them to do in investigation on this but they refuse and lie about it being verified, but have yet to provide proof. The Bankruptcy is not listed on any other credit report. They also do not mark the Bankruptcy as being disputed at all, which I believe is unlawful. I have documents to go along with my complaint if need be.

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 2021-11-03
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced an existing mortgage and was given the closing statements that outlined how much money was required to be paid by me for escrow payments ( {$7500.00} ) to Amersave and how much I would be refunded ( $ XXXX ) by my existing mortgage company, XXXX XXXX XXXX. Prior to agreeing to pay the amount at closing, I provided AmeriSave a copy of my mortgage statement showing them that XXXX had ample funds to pay my escrow, however, they required me to pay it anyway. 

I paid it and a few days prior to closing, XXXX paid the escrow on my account and Amerisave 's title company sent a payment as well. The escrow company accepted XXXX ' payment and returned AmeriSave ' payment. After some time had passed, I reached out to AmeriSave to inquire about payment since the escrow was paid by XXXX and I was told that the insurance company would send me a check directly. In time I didn't receive anything so I reached out to both AmeriSave and the insurance company and Amerisave informed me that they were not sure what happened and needed to investigate. Meanwhile, the response I received from the insurance company was that a conference call was held between AmeriSave, the title company and the insurance company and everyone was clear that funds were returned back to AmeriSave.

I then reached out to AmeriSave again and inquired, but attached the email I received from the insurance company sharing the subject matter during the conference call, they said they would get back with me. I have continued to reach out and the last time they responded by email or returned my phone calI I was told that they had been busy with closings, but they needed to have a meeting with their staff that does the financials to determine how come they were so far off. 

I don't understand what is happening, they provided me with a loan that stipulated the conditions of the loan including the cost of the loan. Now it appears they are changing the numbers so not to pay me the monies I paid at closing. This is very suspicious and feels like predatory lending practices. I am over 60 years of age and feel vulnerable and powerless. They owe me money and won't return it. I am making my second mortgage payment on the new loan and still have not been made whole from the closing and don't have a timeline for when this will be resolved. 

I would appreciate any assistance you can provide. 

Thank you. 
XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I XXXX XXXX XXXX XXXX and the majority of my clients pay by credit card. This money goes into my account the next day - after XXXX. Between the hours of XXXX XXXX and XXXX, transactions for the day will be processed.

If the total number of transactions are greater than the balance that is in my account at XXXX XXXX, Chase will deduct the highest amounts first resulting in multiple overdraft fees. For example, at XXXX XXXX last night the balance in my account was {$340.00}. Between XXXX XXXX and XXXX 5 transactions were processed. The amounts were as follows : {$34.00} {$44.00} {$56.00} {$74.00} {$380.00} This totals {$590.00}. Chase deducted the {$380.00} amount first which overdrew the account. They paid all of these because history shows that with my merchant account deposits after XXXX, the money would be there literally in minutes. ( after these were processed my merchant deposit hit in the amount of {$1300.00} - plenty to cover the transactions ) Had they deducted the smaller amounts first, the only item that would have made the account go into the negative was the {$380.00}. But, because they have the right to deduct the money however they see fit this will cost me {$170.00}, not {$34.00}.

Just because they have the right to do something does n't make it the right thing to do! I have complained numerous times to Chase about this, and the local staff is sympathetic, but there is nothing they can do.

This policy - and ALL banks do it - is killing the XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-21
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:
FTC Violations XXXX XXXX {$810.00} XXXX {$20000.00} XXXX {$1700.00} XXXX XXXX 's {$270.00} XXXX  {$1300.00} XXXX XXXX {$520.00} XXXX  {$840.00} XXXX   consumer finance division has agreed to a {$550.00} million deal to settle allegations that it placed consumers into loan arrangements with a high risk of default. 
XXXX XXXX XXXX XXXX settled with 33 states and the District of Columbia. It agreed to pay {$65.00} million to customers affected by the practices, as well as waiving {$470.00} million worth of outstanding loan payments. It also agreed to pay {$7.00} million to states to cover restitution claims. 
Have you ever been billed for merchandise you either returned or never received? Has your credit card company ever charged you twice for the same item or failed to credit a payment to your account? While frustrating, these errors can be corrected. It takes a little patience and knowledge of the dispute settlement procedures provided by the Fair Credit Billing Act ( FCBA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
It is TransUnions duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. TransUnion is reporting five inaccurate late payments for the XXXX XXXX account, which does not have an account numbers to reference to. These include four 30 day late payments posted in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX 60 day late payment in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in TransUnion violating my federally protected consumer rights. To add to this I did NOT give TransUnion, written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that TransUnion has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11
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:
XXXX XXXX XXXX XXXX {$2700.00}. I first submitted my complaint to Experian and XXXX on XX/XX/XXXX asking them to verify this unknown account. Experian and XXXX both responded with a computer-generated letter informing me that the account was verified and that I should contact the original creditor ( XXXX XXXX XXXX XXXX  ) if I had additional questions. I contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX, asking them to validate the debt. XXXX XXXX XXXX XXXX did not validate. According to the law, the account must be deleted if the creditor CAN NOT validate the account. Just today I looked at my credit report today and see that this unknown fraudulent account is still on my credit report after I have contacted all parties involved credit bureau ( XXXX and XXXX ) and XXXX XXXX XXXX XXXX How is that possible if they CANT validate with me the consumer but validate with the credit bureau .

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 2023-05-25
Company: Kikoff Inc.
State: NJ
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: Problem with product or service terms changing

Complaint:
Kikoff Lending changed the terms of my contract from {$2.00} a month to {$5.00} a month without warning. They have been charging me for two years now. They claim to improve your credit score but mine has not. I asked them to stop charging me and cancel any contract and they have refused. I am unemployed and there is no end in sight to their charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-13
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a natural person, i am a living human being, i have rights under 15 U.S. Code 1681. 
Equifax is govern by 15 U.S. Code 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed. 

1-Account Information : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date of Closure : XX/XX/2023 XXXX Account Information : Creditor Name : XXXX XXXX Account Number : XXXX XXXX Date of Closure : XX/XX/2023 XXXX Account Information : Creditor Name : XXXX XXXX Account Number : XXXX XXXX Date of Closure : XX/XX/2023 According to 15 U.S. Code 1681 : I have the right to privacy and i did not give equifax written permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: EQUIFAX, INC.
State: KY
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:
On XX/XX/2020 I sent dispute letters where I disputed incorrect/unknown items on my credit report. It's going on day XXXX and I haven't heard anything back yet regarding these incorrect/unverifiable items on my report. I'm sick of this, this has negatively impacted my family for the past few months. Everything is in shambles, I feel like I'm being ignored and played with and won't take this any longer I'm in distress. In section 611 it is stated that a failure to investigate the items I've disputed within that 30 day time frame is a reason to remove those items IMMEDIATELY. I demand these items be removed immediately or I will be filing litigation for for the stress you have caused me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
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 fraud alerts or security freezes

Complaint:
I have 2 complaints against Experian. 

# 1 I have been unable to remove a credit freeze on my credit. I had to freeze my credit as Experian would allow fraudulent use of my credit & wouldn't remove fraudulent items from my report. Experian is being completely unreasonable & now will not allow me to remove a credit freeze. Due to this, I am not able to use my credit to turn on my water utilities or apply for credit. Experian has violated my basic human rights by withholding my credit. 

# 2 They will not remove a fraudulent collections account from my credit. I have opened numerous disputes.

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 2018-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In 2017 I contacted Transunion and filed a complaint regarding the XXXX XXXX account. I informed them that they are reporting false information. I do not owe a balance of {$610.00}.

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 2017-12-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I recently filed a complaint with this bureau in reference to a XXXX personal check XXXX check # XXXX {$1200.00} XXXX that was cashed by Wells Fargo bank on XXXX/XXXX/XXXX. It was not cashed by the payee ( rent management office ) or myself. Apparently, the endorsement on the back of the check did not match my signature on the front of the check. My name was printed on the back of the check. I reached out to this bureau to obtain a response from Wells Fargo bank in an effort to receive an explanation and to be reassured that funds would be returned to my account soon. Wells Fargo 's response as of XXXX/XXXX/XXXX was that they could not respond within this portal because they are not authorized to use personally identifiable information. I am interested in finding out specifically what happened on XXXX/XXXX/XXXX and when Wells Fargo will reach out to XXXX. This investigation has already taken 3 months. Wells Fargo was contacted more than two months ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Convergent Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent Outsourcing is a debt collector reporting to the bureaus illegally. I requested proof of their claim for the alleged debt XX/XX/2020 via certified mail. They failed to provide proper validation. I also informed them they are illegally reporting under their own name on a Massachusetts consumer credit report in violation of 209 CMR 18.17 ( 11 ). They failed to remove their listing. 
I sent them a second notice XX/XX/2020 via certified mail. They again, failed to provide any proof of ownership of the account or any record of a contract showing my signature in accordance with the alleged debt. 
I sent them a third notice XX/XX/2020 via certified mail informing them I would report to the CFPB on their illegal activities. They ignored my notice.

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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Hard inquiries On my credit file that I did not authorize. I do not have accounts with these companies nor did I request to have a hard inquiry pulled by these companies. 

Inquiries : 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 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 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 2022-02-01
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received this message from chime about my account on XX/XX/2022 XXXX XXXX  est Following a recent review of your Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Checking Account will be closed on XX/XX/2022. 

Once your Checking Account is closed, a check for any remaining balance will be mailed to you within thirty ( 30 ) days of XX/XX/2022 to the address we have on file for you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
In accordance with the Fair Credit reporting act. XXXX account # has violated my rights.

15 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 an account without my written instruction. 

XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2022-08-12
Company: CORELOGIC INC
State: MN
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:
I noticed issues with my credit report affecting applications for a mortgage, and an auto loan having to accept a car I did not want.

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