BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-17
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:
On XXXX I initiated a dispute with Experian representative XXXX XXXX case # XXXX ) requesting an investigation into the XXXX XXXX XXXX account being reported inaccurately on my credit file. On XXXX I received an email notification from Experian informing me my dispute results were ready. Upon checking the dispute results, Experian had concluded the account was verified as accurate and elected to make no changes to the disputed account. I challenged Experian 's findings and requested in writing in a certified letter, their method of verification and an explanantion of how Experian 's investigation resulted in that conclusion. As per the XXXX, Experian had XXXX days to respond to my letter. As of XXXX I have not received a response from Experian re : their method of verification. Because Experian has not responded to my request for their method of verification, I do not believe a thorough investigation was conducted and the account in question was not actually verified. Per the XXXX, as a consumer I am entitled to all the information in my consumer files as well as the source of that information. Experian 's inaction and failure to comply with the XXXX is a direct violation of federal law and my consumer rights. With the assistance of the CFPB, I am requesting Experian provide me with the contact info of the person ( XXXX ) ( name, address, email, phone # ) who personally verified the disputed account Experian was supposed to be investigating. As stated in my written letter to Experian, I do not consent to XXXX verification and am requesting actual contact information of a real live person who Experian verified the account with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
In XXXX I was forced to file chapter XXXX  bankruptcy (I lost my job and my wife suffered medical problems that temporary left her unable to work). One of the creditors was a Credit Union, XXXX XXXX XXXX XXXX XXXX XXXX, Texas. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX (XXXX) XXXX-XXXXIn XXXX all the records of the bankruptcy finally dropped off my credit report and I have had an excellent credit rating and FICA score since.  However, on XX/XX/XXXX of this year XXXX XXXX has reported to Transunion the debt owed to them from the bankruptcy as new debt from XX/XX/XXXX, with a new removal date of XX/XX/XXXX. I have the original records of the bankruptcy showing the discharged debt. I have disputed the new record of the debt with Transunion. XXXX has dropped the debt and I was unable to obtain an online report from XXXX and had to request it by mail.Because XXXX XXXXy reported this debt again as new debt my FICA score with my credit card companies and my Bank (XXXX) has dropped significantly.Is there any other recourse I have other than disputing the reporting of the discharged debt?Is reporting this discharged debt as new legal. ThanksXXXX

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 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ALL IN 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 2017-07-11
Company: Experian Information Solutions Inc.
State: WI
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:
XX/XX/XXXX XXXX XXXX XXXX, XXXX ambulance service of XXXX, WI was dispatched to my home, where I had fallen. For which the total cost is now showing on my credit report as a delinquent amount of {$3000.00}. As recent as of XX/XX/XXXX and to remain till XX/XX/XXXX. Is now in the hands of XXXX XXXX XXXX.
I would not have known this outstanding derogatory bill was on my credit report Except I began the process of buying a home.
I have had XXXX Insurance since XXXX. Some how XXXX, XXXX XXXX XXXX deemed me responsible for the bill, for which I explain to them XXXX would take care of it. However it did not. On XX/XX/XXXX I contacted XXXX Supervisor XXXX XXXX XXXX ( XXXX ). He advised me to talk with XXXX in billing. Both had explained to me there was no longer a balance due and XXXX explaining that XXXX ( XXXX XXXX XXXX XXXX XXXX ) who assist in medical where XXXX does not, Had taken care of the balance, according to XXXX XXXX, this mater was handled onXX/XX/XXXX.
I have also spoke with the XXXX XXXX XXXX and it seems as though the matter is getting worse.
There are two other matters on My Credit Report as well for which I have satisfied but have not yet been deleted as resolved.
However I am filing complaint one at a time, this one being the largest and most difficult.
I hope I have included all that is needed for this matter to receive your attention.
Please Help.

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 2022-02-17
Company: SELECT PORTFOLIO SERVICING, 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: Problem with personal statement of dispute

Complaint:
We were asked concerning a Statement we had attached to our mortgage credit reporting, to now request from the provider the documents that confirms what is being reported to the credit bureaus on the XXXX year / XXXX month terms that is being reported for our mortgage credit accounts. 

Also, a request for a copy of the signed document that has the word " XXXX  '' on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
XX/XX/XXXX XXXX XXXX XXXX, XXXX ambulance service of XXXX, WI was dispatched to my home, where I had fallen. For which the total cost is now showing on my credit report as a delinquent amount of {$3000.00}. As recent as of XX/XX/XXXX and to remain tillXX/XX/XXXX. Is now in the hands of XXXX XXXX XXXX.
I would not have known this outstanding derogatory bill was on my credit report Except I began the process of buying a home.
I have had XXXX Insurance since XXXX. Some how XXXX, XXXX XXXX XXXX deemed me responsible for the bill, for which I explain to them XXXX would take care of it. However it did not. On XX/XX/XXXX I contacted XXXX Supervisor XXXX XXXX XXXX ( XXXX ). He advised me to talk with XXXX in billing. Both had explained to me there was no longer a balance due and XXXX explaining that XXXX ( XXXX XXXX XXXX XXXX XXXX ) who assist in medical where XXXX does not, Had taken care of the balance, according to XXXX XXXX, this mater was handled on XX/XX/XXXX.
I have also spoke with the XXXX XXXX XXXX and it seems as though the matter is getting worse.
There are two  other matters on My Credit Report as well for which I have satisfied but have not yet been deleted as resolved.
However I am filing complaint one at a time, this one being the largest and most difficult.
I hope I have included all that is needed for this matter to receive your attention.
Please Help.

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 2019-05-13
Company: WESTERN UNION COMPANY, THE
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
On XX/XX/2019 at XXXX I went to Western Union agent at XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX AZ XXXX, to send money to my wife who lives in XXXX XXXX as I do every two weeks. Cashier by the name of XXXX was at the customer service counter, I gave her my information, drivers license, my phone number and name of the recipient. I informed her that the information is in my profile which she can pull up on the computer by my phone number. She insisted that my wife 's name was not on the list of recipients I have previously sent money to which I disputed since I had just sent her money two weeks ago and have done so for the last three years. She ( cashier ) responded that I should not argue with her or she will not serve me! She then asked me for my social security number, where I work, what I do for a living and where I was born? As you can tell these are the type of questions which are personal and can be easily used to steal individual 's identity. Of course I could have refused to provide the information and used online service to send money, but the online service for Western Union is  outrageously expensive and most of the time it doesn't work due to technical problems, which by the way they were having technical problems at that time. When I returned home I called Western Union at XXXX to find out if this type of questioning was a new requirement? I was told that it's not, but that each agent may implement their own rules for security purposes. Which I translated to mean that any Western Union can discriminate against anyone as they see fit!! I have been a customer of Western Union for over 30 years and to be treated such I found appalling to say the least. Am sure Western Union feels that they have monopolized money transfer industry, but there have been giant companies in this world who though they were too dominant to fail but as the world changes so will the competition and who knows Western Union may find their way out unless they change their ways. In case anyone wants to get more information from me, my name is XXXX XXXX and I can be reached at ( XXXX ) XXXX or email at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 2017-07-11
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Wakefield and associates is a debt collection that agency that receives Medical debt out of XXXX, CO. When you call to make a payment they offer to charge your bank account for free or to charge your credit card for {$5.00}. With this being a medical debt it should be made as easy as possible to pay and charging XXXX dollars extra every time is outrageous. It 's gouging consumers who may already be having a hard time.

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 2017-11-16
Company: BMW Financial Services NA, LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
BMW Financial Services Account opened in XXXX at payment of $ XXXX60 months. 

In XXXX of XX/XX/XXXXaccount was at 60 days past due and facing repossession. Requested deferments to get account back on track but was denied. Vehicle was recovered in XX/XX/XXXX by BMW Financial and sold at auction. Total deficiency balance was {$2100.00} The {$2100.00} balance had shown as recent as XX/XX/XXXX on my credit. After that, the entire line item disappeared with no trace of BMW Financial ever occurring. There was no amount being reported and furthermore, no payment history whatsoever of any sort. On XXXX XXXX, a check in the amount of {$470.00} was issued to me with a reason of " miscellaneous. '' As of today I have spoken with a Sr. Recovery Agent at BMW Financial who informed me that the {$470.00} was for over payment. When questioning this as to why I would receive a check back if I still owed anything, I was told that a recent internal audit had determined that my account may not have been handled in accordance with all laws and in order to prevent anything in the future, BMW Financial went through the motions of removing all trade lines from my credit profile as well as to post a credit to my account in the amount of +/- {$2600.00} resulting in me receiving refund of {$470.00}. When asking for further information in regards to the accounting errors found in the audit, I was informed that I was not entitled to anymore information. When questioning why the line item was removed from my credit report, I was told that BMW Financial is not required to report to any of the credit bureaus. Furthermore I was told that I should be grateful BMW has not reported anything whatsoever on my credit going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Johnson Mark LLC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Employed by XXXX XXXX to collect a ( false ) debt, these folks have managed to show a complete disregard for both my livelihood and my XXXX  from both XXXX  and a XXXX XXXX, not to mention the IRS 's pursuit of me for back taxes. In sum : * Their representative lied to me -- on a recorded line -- that they'd been attempting to reply to a settlement offer I've given in good faith -- my XXXX bonus earned from a job I'd had for less than 6 months * My repeated requests to confirm the date of the hearing went answered -- despite my pleas to confirm the date so I could request time off -- -and SUDDENLY, today, I'm told that I need to be on a XXXX  meeting. Giving me NO TIME to request time off * My XXXX  XXXX  is noted on the case. 

A simple email telling me the confirmation date would have sufficed, kindness and respect as well as fairness is a part of debt collection, is it not? Yet, tomorrow I am forced to take a day off work since no one bothered to confirm for me the date. This threatens my job since I've been there for less than a year. Unkind. Abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: EQUIFAX, INC.
State: MA
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:
The XXXX XXXX XXXX XXXX  inaccurately reports card balances to CRAs to be viewed as revolving credit without a credit limit. This practice has led to higher balances being reported than what is due and furthermore has resulted in multiple decreases in my credit scores across the bureaus due to the credit utilization algorithm. 

Info on reporting and payments with XXXX  : 1. Card statement is from the XXXX to the following month on the XXXX. 
2. The XXXX credit card payment due date is the XXXX of each month. 
3. The XXXX payment date is the XXXX of every month. 
4. I add funds to my XXXX credit card and XXXX will put aside payments for the card and pay automatically on the XXXX of every month. 

Issues : 1. The payment date occurs on the XXXX of every month even though the statement cycle is XXXX to XXXX. This means the amount due is always based on the month prior balances. 
2. Since balances are based on the month prior, a balance carries over into the next billing cycle. Thus a constant balance is reported to CRAs. XXXX adds account notes saying the account was paid in full, but this is inaccurate based on the balances reported. 
3. Due to the misleading/inaccurate XXXX reporting, this has affected my credit utilization and resulted in my credit score dropping two to three times significantly. 
4. XXXX acknowledged twice that the reporting date does not align with the statement date nor the payment date, yet they continue to falsely report that I have a balance when I do not. 

Specifically : On XX/XX/2021, my credit score dropped an average of 23pts across all bureaus. 
Reason : XXXX updated the bureas that I had a balance increase of {$140.00}. Bringing the total balance to {$430.00}. On XX/XX/2021, XXXX sent the XXXX builder statement showing that {$290.00} had been paid on XX/XX/2021. This means that XXXX should have updated the balance on XX/XX/2021 to only be {$140.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have Paid ( Settled ) this Account that XXXX XXXX  XXXX Charged Off. They mentioned that if I paid what was Owed it will be Removed from my Credit Report and it is still showing on my Credit Report! 

P.S. I am providing a Letter as Proof that the Account has been Settled.

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 2018-01-28
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My mother XXXX in XX/XX/1995 and she had supposedly left me some money in an account but my family will not tell me where it is and I think they are with drawing money from it. how could I find out if this is true. The last bank I remember my mother having an account at is XXXX XXXX or Bank of The West, I did go into XXXX XXXX when it was open on XXXX XXXX XXXX In XXXX Ca but they gave me a no answer but she looked untrue answer, can you help me?

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 2021-09-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was the victim of identity theft. ( With proof ) and the person responsible did over $ XXXX of merchant disputes or " chargebacks '' using my debit account. When this was happening I was outside the country with only my debit card to use. Chase suddenly cut off my card without ANY notice or notification about it. Then they couldn't verify my identity when I called about my card not working. WE DIDN'T EAT FOR 2 DAYS BECAUSE OF THIS! Then I called for a week and finally chase verified my identity and told me " as of now your account is permanently closed and JP Morgan Chase FOR LIFE '' Now I'm back in the united States and received a bill for {$14000.00} that chase says I owe for even though I reported it to chase that it wasn't me. I even called them daily about it for over a month while on vacation and they said they have no record of anything. I have call records and calls recorded regarding me reporting it to chase. I am also banned from XXXX for life. The same person used my XXXX account to send fraudulent money to people in my name!! I have proof of the identity theft happening. The individual told me he works for " XXXX XXXX '' a lender I had recently applied with and sent me paperwork regarding the loan I was approved for ( still have it ) and that he needs my chase account information to send the money to via wire or ACH payment. I agreed that's when the problems started. He delayed paying anything for 3 days then I called XXXX XXXX and they told me my loan was denied and they have never heard of this individual. Then when I called him about it he threatened me with going to jail and the FBI over text messages. I have all of this proof but chase is still holding me accountable. I don't know how many times I can tell them it's not me and I was outside the country and to look at the recent charges. They closed my account and I still had money in it! Like I said we didn't eat for 2 days because of this happening! No notification no message from chase and my number worked over WiFi calling for receiving calls and texts just fine!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: EQUIFAX, INC.
State: VA
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 spoke with XXXX XXXX many time about them reporting incorrectly to the credit bureaus. When I finally did get an answer the rep was so rude that I closed my account. They are reporting late payments and want this account removed from my credit report

Company response to consumer: Closed with explanation