BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-06-20
Company: Experian Information Solutions Inc.
State: OK
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:
There was a security breech and I lawfully have the right to have any negative marks or delinquent bills, charge offs, or other negative marks removed from my reports.

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 2021-11-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 I received a text message from Wells Fargo Fraud department stating there was unusual transactions on my account. I was about to call them when I received a phone call from a XXXX number. I answered the call and a man stated he was with Wells Fargo Fraud Department and was calling about unusual account activity. He verified my identity asking for my last 4 of social, DOB, and card number ( all normal verification questions that were also asked when I filed my claim with Wells Fargo later. This person stated his name was XXXX XXXX and after confirming I did not make a {$120.00} transaction, he stated he was shutting off my debit card and they would be mailing me a new card. While I was verifying my address for the new card to be sent to, I logged into my Wells Fargo app to check my account and noticed there was a {$500.00} and a {$380.00} charge along with numerous attempts ( at least 10 ) for the {$120.00} charge all within minutes while I was on the phone. I immediately turned off my debit card on the app to stop any further charges and hoped Wells Fargo would straighten it out as I had spoken to someone within minutes of it happening. Saturday morning ( 36 hours later ) I noticed my money had not been credit back to my account so I called Wells Fargo Fraud department to check status of my claim. They said I had no made a claim and after some confusion we deduced that the person I was speaking with had not been with Wells Fargo. I made a claim with them immediately. It is now 6 days later and I called to check status and they are telling me it is denied. This money was stolen from my account by someone stating they were with wells fargo and thought they were trying to help protect my account. Charges stolen total {$1000.00}.

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 2023-07-18
Company: Experian Information Solutions Inc.
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:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

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 2021-11-19
Company: Mr. Cooper Group Inc.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Before the pandemic I was working XXXX jobs and lost the park time employment due to lack of hours during covid. This created a financialy hardship for me and I fell behind on my mortgage. XXXX - I applied for a loan modification on XX/XX/21 - On XX/XX/21 XXXX with XXXX XXXX told me my hardship application was complete and it would take XXXX days for a decision - On XX/XX/21 XXXX with XXXX XXXXr stated they are backed up which has caused a delay in the decision for my hardship request - On XX/XX/21 XXXX with XXXX XXXX submitted an escalation for clarity on the delay and how much more time could be expected. She communicated a XXXX business days response time - On XX/XX/21 XXXX with XXXX XXXX stated the escalation was still open and that was the XXXX business day so to call back XXXX  - On XX/XX/21 XXXX stated the escalation was still open and there isn't anything they can do until the escalation is responded to and allow another XXXX weeks- On XX/XX/21 XXXX with XXXX XXXX stated my escrow analysis was completed on XX/XX/21 - On XX/XX/21 XXXX submitted an escalation asking for an update on the review and when a decision would be reached - On XX/XX/21 XXXX with XXXX XXXX stated the underwriting department started to review my application for a flex modification. When I asked what they had been doing from XXXX, she stated they review for all options to try and help me My hardship request has been denied for the following reason : Insufficient Monthly Payment Reduction. We are unable to offer you a modification because in performing our underwriting of a potential modification we could not reduce your principal and interest payment. 

When I asked for clarity on how there was nothing that could be done, I was told that I am already at the lowest terms with a XXXX XXXX rate and {$1300.00} mortgage payment. When I asked why my mortgage statement shows XXXX XXXX I can not get a direct answer other than their system shows I have a XXXX XXXX. 

I have included my reason for denial along with multiple mortgage statements that contradict what is being said to me over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

Inquiry details 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX 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 XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2019-09-11
Company: JPMORGAN CHASE & CO.
State: MA
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:
Hi, I was using Chase Sapphire Preferred card, I have booked a flight ticket of XXXX XXXX for {$4000.00} from their own travel website, for some reason on the date of flying the passengers were not able to take the flight. 
The Flight company asked to reach out to the vendor ( Chase travels ) to cancel or reschedule the flight since I used their service to book the flight. 
It was around 4 hours before the flight, I tried calling the chase travel whole night but no one picked up the call and meanwhile the flight took off. 
Next day Chase travel said that since the flight is gone we can not refund anything. I asked them that's it's your mistake since no one took my call when I tried for whole night for at least 4-5 hours. 
They said, since we can not cancel the ticket after 24 hours of booking, but I asked them that at least someone should have taken my grievance that time, and I was asking for re-schedule also for at least the return flight cost rather than the whole flight. But since no one picked up the call whole night they are putting this cost to my account and forcing me to pay. 
Need help in such case. 
Regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The Items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/18 my home sold which was financed through Ditech. I had an escrow account set up with my home loan to pay for property taxes and home insurance. Upon closing on XX/XX/18 I was due a refund of {$2300.00} from Ditech. I have called their customer service number several times as I have never received the refund. I wrote down the following dates that I have called in regards to this matter ( there may be more before I began to keep track ) : XX/XX/18, XX/XX/18, XX/XX/18, and XX/XX/18. Each time I have called I have verified my correct address and been told they will research the matter, stop payment on any checks that may have been mailed previously, and send another check. On XX/XX/18 I was told I would receive payment within 10 business days and was told to call back on XX/XX/18 if I had not received payment. I was traveling on that date, so I made sure payment hadnt been received while I was away and called upon returning home on XX/XX/18. On this date I was told there would be a supervisor review performed and I should hear back from them within 3 days. If not, I am to contact them again on XX/XX/18. I am concerned as every time I call I am told a check will be sent promptly and it has now been over 4 months. I have not been told if a check has ever been sent at all or if the matter is still in processing waiting to be sent out. I am hoping to get this matter resolved ASAP. Thank you for your help.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.

BK OF AMER XXXX  Date Opened : XX/XX/2015 Balance : {$0.00}

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 2019-12-13
Company: ONEMAIN FINANCE CORPORATION
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
In 2018 I was put on a hardship program for a reduced interest amount and payment amount at one main financial.  I asked to change my payment withdrawal date and due date from the XXXX to the XXXX of each month. They agreed to {$78.00} a month drafted the XXXX of each month. They neglected to tell me my due date was never changed so I received a late fee plus daily interest charges for they payment being late. They set up the payment withdrawals dates and a year later plus they finally told me I was being charged late fees. I borrowed {$5000.00} and have paid one main financial about {$2500.00} in total payments but only have {$1000.00} of the principal paid down. I get that I owe the money, but being charged unknown late fees and then a year later being on the program they offer to move my due date. I thought they moved my due date in the first place. Instead I have several months of late fees that are uncalled for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I called today XX/XX/2019 to the chase bank, due to finding out of a account being opened under my name with no knowledge of it. And they did nothing to help me on going as a victim of fraud. I'm so upset and furious customer service is no help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: FORD MOTOR CREDIT CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My vehicle was repossed from my property with out any notice from Ford Credit. They sent a third-party towing to seize my vehicle. It has been a month and I have not received any notice of what happen to my vehicle. I tried contacting them by phone and email. NEVER replied to any of the messages sent. If I know by law a vehicle can not be repossed by a third party that is not included in the loan contract. I have filed 1099A for the full price of the vehicle and claimed the income in my 2022 Taxes. The vehicle is paid in full. Ford Credit has not answered or returned my vehicle. What can I do I need a vehicle to go to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Bread Financial Holdings, 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: Account status incorrect

Complaint:
On XX/XX/15, I called the company to close a credit card account with them. They received my closing information and closed the account. I then just sent them a message today and they still have not reported it to the credit bureau nearly 4 months later. Recently with a separate credit card with this company they did the same thing and didn't report my updated balance for months. I filed a complaint with CFPB and they finally updated it. 

Each time they are saying that they " updated their systems '' and they have not reported any and will not till their internal processes are complete. It's not my problem that the company is updating their systems. I want my account that I closed with them to be reported correctly to the credit bureaus ' that's all I'm asking.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 am requesting the TIME FRAME in which data is processed once it is received by the credit reporting agency. THIS DOES NOT PERTAIN TO ANYTHING IN A DISPUTE. This information which I request is supposed to be PUBLIC INFORMATION. 

WHAT IS THE TIME FRAME FOR TRANSUNION TO PROCESS DATA ONCE IT IS RECEIVED BY A CREDITOR? 

Definition : time frame /tm frm/ Learn to pronounce noun a period of time, especially a specified period in which something occurs or is planned to take place. 
" The work had to be done in a time frame of fourteen working days ''

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