BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To Whom it may concern i submit a dispute On XX/XX/2023 in regard a dispute i send earlier on XX/XX/2023, I submitted a dispute with XXXX regarding XXXX. However, it has been well over 30 days and I have yet to receive a response from XXXX regarding my dispute. This delay is causing me undue hardship and is hindering my ability to reach my financial goals. As a result of this delay, I have been unable to secure the financing necessary to start my business. This has been a major setback for me and has caused significant stress and frustration. I urge XXXX to comply with the Fair Credit Reporting Act and respond to my dispute in a timely manner. I am requesting that XXXX provide me with a written explanation of the investigation and resolution of my dispute within 15 days of receipt of this letter. Additionally, I request that any inaccuracies be removed from my credit report immediately. Thank you for your attention to this matter. I look forward to your prompt response. 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 2020-07-23
Company: REGIONS FINANCIAL CORPORATION
State: FL
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 have an account with Regions Bank. On XX/XX/2020 an unauthorized ATM transaction of XXXX dollars was made and I reported this the same day if not the next day after it happened. I called three days before filing this complaint to get an update on my case. They said that it was concluded and determined that this transaction was valid. I asked for evidence and validation of this transaction and they failed to give me such information, given I also have a police report regarding this and which they also refused to accept because the case was already concluded. I asked for upper management and they also refused to help me. This not right, given that this was an ATM transaction and there is video footage that they can easily verify and provide evidence regarding this false transaction that now I am being unjustly responsible for.

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 2021-06-04
Company: Experian Information Solutions Inc.
State: FL
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:
I have an account report it as chapter XXXX an it should chapter XXXX I called To het deleted it they say they cant deleted that u have to call the company for deleted it they just can updated it for chapter XXXX an by law wrong information reporting should de deleted it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently disputed an account on my credit file. I have now discovered new information about this credit account. The account is : XXXX XXXX  XXXX Credit Limit : {$500.00} This account has been " re-aged '' and is now too old to remain on my credit file, per the Fair Credit Report Act. The last activity on this account is not being reported correctly. No payments or charges were made on this account in over 7 years. It has been longer than 7 years since the last account activity.

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 2019-03-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My identity was stolen and continues to be used from time to time. My credit score was XXXX inXX/XX/XXXXand had been at the highest levels for my entire life ( I was XXXX ). In XX/XX/XXXX I was the victim of a major fraud, identity theft and since XX/XX/XXXX have had a credit score that prevents me from obtaining a credit card, a home loan etc. The identity thief continues to open an account occasionally with my ss number and I can not persuade any of the 3 reporting agencies to remove false information, remove outdated negative information or remove information that the creditor advises that it has not and is not reporting to the agency. Some creditors respond that I must prove a negative, that it isnt me? How do I do that? 

What to do as a victim of identity theft does not include : what to do to force the credit reporting agencies to remove fraudulent information completely? 

I have done everything from a legal standpoint that can be done. Filed identity theft affidavits, disputed information, requested removal, required investigation of the account ad nauseum. I am an attorney. The thief will not stop and it had been 10 years. 

Only the federal government directing the agencies to repair my file is going to be effective. Private civil suits are notoriously unsuccessful. And there is no compensation adequate for loss of credit access. Its ruins lives. The US attorney, FBI, local DA will not prosecute the thief because it is not important enough for thier resources.

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 2016-04-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have an erroneous Collection item that has been reported to Equifax and XXXX and I have disputed the item with both credit bureaus and the entity who reported the item. Only XXXX has made the correction and the item was removed from my credit report. Equifax still is allowing the derogatory item to stay on my credit report with them. The debt is not my debt and is part of identity theft, which is why I have placed a fraud alert on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report with Experian on the morning of XX/XX/XXXX. I saw that they had " UPDATED '' the date of a Charge Off with XXXX XXXX. I had filed a dispute with Experian twice before about the company and the fact that I never even opened the account, but after a deal they gave me, I agreed to pay a charge off amount of {$170.00} of a {$300.00} credit card bill they said I owed them for processing. The charge off was on all my credit reports as XX/XX/XXXX. Experian ran an update, and now the charge off is labeled as XX/XX/XXXX. I tried to dispute the information through their dispute process, and was told that I can't dispute against XXXX XXXX anymore. If you go into archives of my credit report, it is on page 8 of Experian 's XX/XX/XXXX, and it will show that the report has the XXXX XXXX account closed as a charge off, paid, and updated as of XX/XX/XXXX. I'm willing to bet that my report will increase by at least 50 points on Experian, when they set that charge off back to when it actually happened. Can you help me get this fixed, since they will not let me file another dispute or have anything else to do with XXXX XXXX anymore?

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 2019-03-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello, I am a CHASE business banking customer, we've been with them for a very long time, close to 10 years. This is the first time I ever had a serious problem with them completely ignoring me as a customer and denying any kind of help! I've used CHASE Quick pay to pay for goods onXX/XX/2019, the person came out to be a scammer and stopped responding to emails/phone calls/text messages from my side. I tried to call CHASE business customer support line the same minute it happened ( it was late night, so I was asked to call in the morning ). I did call in the morning and CHASE rep simply stated that they would never cover anything fraudulent that has to do with quick pay!! Basically they said that they simply allow for ANY kind of transaction to happen even if its fraud/scam as long as I as a customer had contact info of the other ( scamming ) party. They literally don't care. They actually tell you that there is ZERO protection for your funds with quick pay ( XXXX is now a part of chase quick pay )! I will never use CHASE quick pay or XXXX ( one and the same ) and I will make sure to tell everyone that CHASE could care less for their business customers in case of a scam or fraud! As an example, XXXX does care for their customers and would never allow for anything like this to happen!!! lost my respect for CHASE completely ... Extremely unprofessional and ignoring behavior by such a great bank ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 2023-01-03
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2022, I received payment from my client, and Paypal Holds my money because acording to them, I need to have a history of payment received before they can release my money, I need to have XXXX transaction with a total of XXXX within 60 days, and after completing the requirements, all my incoming payment will be available for withdraw. but on XX/XX/XXXX, XXXX dont have any transaction and i didnt do anything on my account. they permanently limited my account. My complaint is, why they ask me to complete the requirements then all of a sudden they will permanently limiting my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: AZ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX, 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 a account without my written instructions15 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 response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: Grant Mercantile Agency
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was checking my credit report and a derogatory mark appeared for a balance of {$730.00} from XX/XX/XXXX and was just reported on XX/XX/XXXX. I have not received anything in the mail, nor have I received any emails or phone calls regarding any sort of derogatory mark. This now says that the amount has been " Placed for collection. '' If I would have not checked my credit report I would have never known that this was ever out there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: SYNCHRONY FINANCIAL
State: CA
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:
On XXXX, I applied for a mortgage and if this is not resolved, I will be declined due to an account misreporting on my credit report. 

Late last year, XXXX or XXXX of 2017, I paid off a Walmart charge card in full by contacting the creditor directly and making a payment with their representative. During this time, I had also purchased a new home and moved to a new address. I confirmed during over an hour long string of conversations with Synchrony Bank ( Walmart change card service provider ) that the creditor had received a US Postal return and that they never updated my account with the correct address to properly notify me of an amount due. I was never contacted via telephone or mail that there was a balance/charge on this account. The charge appears to be an annual service fee or some known charge based on the credit report I was able to review with my mortgage broker. My broker and I conferenced called the creditor at the number provided by the credit report : Walmart XXXX. We were then transferred and disconnected to another department XXXX. We were on the phone for over an hour, transferred to several representatives that continued to say sorry for their mistake, but could not resolve the issue. Then we were told to call the account resolution department at XXXX. This department then informed us that they no longer have access to the account and that we need to call XXXX XXXX at XXXX. 
The following morning, I called XXXX XXXX and was told it takes three days to " unlock '' the account so they can speak to me about it. 
Today, I called XXXX XXXX  and they confirmed they purchased the account on XX/XX/XXXX. They gave me a balance of {$57.00}, which I have decided to pay immediately as to not further damage my credit. XXXX XXXX  is not currently reporting the account as of the report pulled on 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 2018-09-28
Company: EQUIFAX, INC.
State: KS
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:
On XX/XX/XXXX I sent a dispute letter to Equifax and XXXX  to delete an account on my credit report for XXXX XXXX collection for XXXX XXXX XXXX due to the fact that this debt was never owed by me and in fact I ended up having to take XXXX XXXX to small claims court because of this collection and the fact that they owed me money for improper charges for a move out of an apartment. I won that case # XXXX in XXXX XXXX KS on XX/XX/XXXX. The judge told XXXX XXXX the judgment against them was for {$490.00} plus court costs and fees and they were not to use this to offset what they claimed that I owed them as I owed them nothing. However, this is what they did. XXXX  XXXX originally posted the collection account on both Equifax and XXXX  in the amount of {$1400.00}. After the judgment, they changed the collection amount on Equifax and XXXX to {$880.00}. I sent Equifax and XXXX  all supporting documents from the court case and after my dispute was " investigated '' by Equifax they stated that the results were " we verified this item belongs to you. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact ... '' with XXXX XXXX contact info. XXXX stated the results were " verified as accurate ''. Both credit reporting bureaus are still reporting this collection from XXXX XXXX. This collection account was updated by XXXX  XXXX on XXXX on XX/XX/XXXX and Equifax on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
spoke to rep XXXX  XX/XX/XXXX @ XXXX rep stated a new payoff quote was genereated on XXXX that should have been used ( showing their escrow disbursement ) I explained we sent the payoff one day before that quote was generated XXXX so that would not have been possible. 

I let her know that tax check was cut and sent XXXX and cashed XX/XX/XXXX. I asked if their cash check has been cashed and she stated it still shows as " processing ''. They sent their tax check on XXXX, the county confirmed they have NOT received a tax check from the lender, only from escrow. She asked that I send proof of tax payment to XXXX ( sent XX/XX/XXXX ). 

THEY ARE REFUSING TO SUBMIT PROOF THAT THEY CUT AND SENT THEIR TAX CHECK ON XXXX She finally said that she would go ahead and place a stop pay on their tax check. She asked that I give it a day to Process ( tomorrow XX/XX/XXXX ) and call back on XXXX. 

She also said she is putting in a note in the system that if their stop pay goes through, that I am requesting for our original payoff amount to be honored. 


Called back Monday to be told they never placed a " stop pay ''. 

WE ARE WANTING SPS TO HONOR THE DATE OF THE ORGINAL PAYOFF SENT ON XXXX AND TO REFUND US THE INTEREST THAT WAS COLLECTED FROM THAT DATE ON.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: Navient Solutions, LLC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been trying to get this resolved with Navient and XXXX XXXX XXXX but no one is able to assist me. My credit report is reporting two derogatory items for the same exact loan and is a duplicate item. I have spoken to Navient who is sending me to The Department of Education, which is being handled by XXXX XXXX XXXX, and they are telling me they cant do anything I have to call Navient. When reaching out to Navient they are turning me to The Department of Education. Not to mention when I was trying to pay this debt off in 2017 I was told I had no other option but to pay a settled amount or not pay at all. I was only {$80.00} short of paying the full amount and was told I had to just settle for less or continue getting called every hour by the collection department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: Duvera Billing Services, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had a the front end of my XXXX XXXX repaired at XXXX XXXX in XXXX Mo. I had to finance those repairs. That repair shop went through XXXXXXXX XXXX XXXX XXXX. who charges 134 % annual percentage rate. Very little of the principal has been paid to date! I did try to have the company reduce said rate. As I am a XXXX vet. This annual percentage rate is predatory and makes paying this off impossible!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
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 reported frauduntly charged transactions on credit cards with USAA. It seems that USAA is not handling the claims properly for reasons ; 1 ) Never kept me updated on the claims 2 ) Not investigating all reported claims or does not pay attention to filed claims to identify every claim correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: DISCOVER BANK
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Discover Credit Card ; Date Opened : XX/XX/2015 Amount : {$1100.00} Action Taken By Me : Police Report Filed, No Action Taken By Company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04
Company: EQUIFAX, INC.
State: FL
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation