BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX IXXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry 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 2021-04-14
Company: Acra Intermediate Holdings, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We had a mortgage loan with Citadel Servicing Corporation. We sold our property and escrow closed on XX/XX/2021. The loan was paid in full at closing. Until today we have not received the escrow over payment refund from the lender. XXXX XXXX form the lender company called us on XX/XX/2021 to verify the new address for refund check, yet we never received any checks. After we called them several times, on XX/XX/2021 we provided our bank account info by phone for security ( not by email ) and they agreed to issue an ACH deposit. Until today XX/XX/2021, we did not receive any deposit, we called them again and the only answer we have is, " we will get back to you ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-10
Company: SECURITY FINANCE CORP
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
XX/XX/2017 To XXXX XXXX I am advising you in this letter please do not contact my job or references any more. The only way of contact is through mail. If I or any of my references receive any more calls I am reporting you to the C.F.P.B. I do not have the money to pay yall right now I am sorry. 



Thank You, XXXX XXXX This is the actual letter I sent to the company listed above and they are still calling my job and cell phone. I requested to only have contact by mail. My job is on the line behind the harassment calls and I will involve my lawyer.

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 2018-01-10
Company: RoundPoint Mortgage Servicing LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been hung up on multiple times. Called and harassed the whole month of XXXX about a payment that was made and denied to speak to a supervisor. I just want to know where my money is going. Every month or every other month it is the same thing and it should not be this hard. I send in my coupon and fill it out where my money should be applied. They take it upon themselves to put money wherever they choose to put it, then harassed me and say that I am late, or my rates are increasing because my escrow is low. They sent me all of my payment information and it only shows half the information and is not helpful at all. I really want to know where my money is going and need help resolving this issue. Hours on the phone, and emails and nothing is resolved. This mortgage company is beyond awful and I refuse to give them more money for them to do whatever they want with it. I have stellar credit, and do not want them to report badly. I ca n't refinance because my payments to them are so messed up that I 'm not sure how much I owe and what information is actually correct. They need to be out of business because they do n't know what they are doing!

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 2019-07-28
Company: Experian Information Solutions Inc.
State: NY
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 would like to unfreeze my credit report with Experian, which they say on their site can be done instantly online, or much more slowly via mail. I can't seem to get it to work after multiple tries trying to " crack '' their form to make sure they verify I am who I am claiming to be. I understand thorough privacy and security measures, but this is clearly prohibitive. Then, when I'm told to call their number XXXX and walk through a lot more of the same information giving, I'm simply told that I need to mail all this information in. They want duplicates of my full name, mailing addresses for the past 2 years, proof of current residence, proof of identify ( e.g. driver 's license ), AND social security card sent to XXXX XXXX XXXX, XXXX, TX XXXX. 

I don't know if the problem lies with information linked to the original freeze stays constant. So if one 's address changes by the next time an unfreeze request comes, it's ambiguous to know how to proceed. The most troubling of all of this is that for the life of me, I can not find a way to contact a human being about this problem. The above number is only automated for all options.

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 2019-04-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX**** XXXX  XXXX**** XXXX/XXXX XXXX** XXXX XXXX XXXX**** XXXX  XXXX & XXXX XXXX**** XXXX/XXXX XXXX**** XXXX XXXX   XXXX**** Chapter XXXX  Bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: National Credit Systems,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: Problem with personal statement of dispute

Complaint:
This dad was from an apartment complex. I cleaned up the apartment and turned in the Keys. But the management stated that the month that I left was too early but that was the end of my lease. So now she stays day I owe for late fees and also the month then I left and also it's called getting out of your lease early. Also the apartment complex charges for late fees even when they have taken your money and that is not legal. I have spoken with the management regarding this problem and had no communication from them to solve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Checkr, Inc
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX did a background check with CHECKR background check and some information is not mine. I attached a copy of the packet XXXX sent me and a copy of the claim on my background check. either someone used my lost old expired license or checkr has the wrong information. 

XXXX, NV Consider UNLAW TO TEXT/TALK ON CELL PHONE/1ST ( STATUTE : XXXX ) XX/XX/2014 Case Number XXXX File Date XX/XX/2014 Court Jurisdiction XXXX - NEVADA-XXXX COUNTY-XXXX  XXXX XXXX MUNICIPAL COURT XXXX COUNTY XXXX XXXX XXXX County XXXX State NV Charge UNLAW TO TEXT/TALK ON CELL PHONE/1ST ( STATUTE : XXXX ) Charge Type misdemeanor Oense Date XX/XX/2014 Charge Date XX/XX/2014 Disposition FOUND GUILTY Disposition Date XX/XX/2014 Sentenced to TYPE : FINE : 50 TYPE : COSTS : 65

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello : This company is reporting the same debt twice on my credit report to perpective employers it appears as if the debt is two different collections. Please remove this entry and allow the XXXX entry to report this. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email at my place of employment. The email was sent to my work email account. The email was contained information regarding a welcome packet for an account I did not open or apply for. I reached out to the company via phone and was unable to reach anyone for my first several attempts. I was able to finally get someone in customer service to tell them I did not open the account and to inform them that I wanted the account closed immediately. The person I spoke with informed me that he would have to transfer me to the fraud department. I requested to have a number to call or contact should we get disconnected, and was told I would just need to call the same number back and that he would transfer me directly to the fraud department. 

I was put on hold for ten minutes. When someone named XXXX answered the call, he asked me for identifying information. He told me that the matter would be referred to the fraud department. I asked if I could speak to someone in the fraud department and was told that they don't have a direct line that he could transfer me to. I also was told that they will investigate the matter and get back to me, but he was unable to tell me how long the process would take or when I would receive a response regarding the account. I requested several times to have the account closed immediately, and he said the fraud department handles it. He kept trying to get me to get off the phone without addressing my concerns. 

When I asked for his name he provided his first name only. He would not assure me the account would be immediately closed. I expressed concerned, in light of this fraudulent account, it could ruin my credit. He informed me that I wouldn't be responsible for any charges or debt that resulted from the account once Chime Bank had finished the investigation. However, he would not place a block on the account and could not give me a timeframe of when the investigation would be completed. I was told someone would reach out to me via email. 

I have attached emails and the only information I have received regarding the account. He would not tell me what type of accounts had been opened, whether there were any charges were on the account, and why the account was not immediately block. His only response was that someone would reach out to me when the investigation was completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: PA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently discovered fraudulent and unauthorized credit inquiries on my Transunion and XXXX credit reports. I was able to easily and successfully remove these inquiries from XXXX using their online tool, but Transunion does not offer this functionality. I called Transunion and spoke to a representative who told me that Transunoin does not verify or remove inquiries and, would not launch an investigation into the accuracy of the data even if it is reported as fraudulent. The Transunion representative was unable to assist me further. I find it unethical and unreasonable that a reporting agency would not be responsible for the data they maintain and provide.

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 2018-01-10
Company: Transcontinental Credit & Collection Corp
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a notice from transcontinental regarding a bill for {$480.00} from XXXX XXXX XXXX for date of service XXXX/XXXX/XXXX, I have been in contact with XXXX XXXX XXXX and applied for financial help with them with their financial aid department, I also recently received this same notice from XXXX XXXX XXXX for the same amount and they too was aware I applied for financial help with XXXX XXXX XXXX department so I dont know why I am receiving double billing XXXX from 2 collections department when I have been in contact with XXXX XXXX XXXX. Somewhere along the line someone is not communicating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Risecredit, LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I owe a debt to XXXX XXXX XXXX in the amount of {$3300.00}. I was contacted in writing by XXXX XXXX XXXX in XX/XX/XXXX in an attempt to collect this debt on behalf of Rise. I wrote a letter dated XX/XX/XXXX explaining that I had an open Chapter XXXX case that I was converting to a Chapter XXXX but was willing to make a settlement for 20 % of the amount owed. I mailed the letter to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, KS XXXX. I never received a response from this company agreeing to the settlement or stating that payment was due in full. On XX/XX/XXXX at XXXX XXXX I received a call at my place of employment from XXXX XXXX with Rise at XXXX and XXXX. When I first answered the call she did not tell me what the call was in reference to she only stated that she spoke to me back in XX/XX/XXXX { which is a lie } XX/XX/XXXX was the first time I spoke to this woman. and asked if I had a pen and some paper. I asked her was this in reference to a patient and she said no this is regarding your debt with Rise. I Said to her do not call me on my job but contact me in writing. She started screaming in the phone WE DID WRITE YOU, PAY YOUR BILLS, PAY YOUR BILLS WHILE YOU STILL HAVE A JOB, ARE YOU GOING TO PAY YOUR BILLS? ARE YOU GOING TO PAY THIS {$3300.00} THAT YOU OWE? She was screaming so loud and she would not let me speak, finally she stopped and I asked her for her name again and she screamed MY NAME IS PAY YOUR BILLS. I calmly stated I have your name XXXX XXXX and hung up the phone. I have have struggled with medical illnesses from XXXX { twice }, XXXX, XXXX, XXXX and and car repairs since XX/XX/XXXX and offered to pay what I was able to pay If they plan to sue me that is fine but I do not appreciate being talked to with such disrespect and rudeness.I would appreciate if they not contact me again about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00}

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 non-monetary relief
Consumer complaint received 2017-09-25
Company: Experian Information Solutions 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:
credit inquires over 90 days still on the on, some go back to XX/XX/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 explanation
Consumer complaint received 2018-01-10
Company: Automatic Data Processing, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Information contained in background screenings completed by various companies contain inaccurate and incomplete information. This continues to result in loss of employment or employment opportunities. The inaccuracies include the failure to note a dismissal of a felony and incorrectly identified a non-violent misdemeanor as a felony. Further, there is no disposition and it appears as if the matter is an ongoing criminal matter. Another inaccuracy regarding the dismissed felony, is the charge is misidentified. It makes the applicant appear as the person is a violent  offender, which is not the case. 
The charge involved a domestic dispute with a sibling who was angry. Again, this charge was DISMISSED as a NO BILL over three years ago and the related conviction for a misdemeanor is NON- VIOLENT. I have contacted XXXX County, Florida Clerk of Courts and they verified their information in their system is correct. I have copies of the court documents as proof the errors above are, in fact, errors. The information has been misreported or depicted inaccurately by public records or interpreted incorrectly by background screeners. I have disputed the background report with backgrounds.com before and this corrected the problem with one company. However, this has been an ongoing problem. This leads  me to believe the problem is with the information reported in public records accessed by other background screening sources.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Direct Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company uses a robo call to threaten me to collect a debt. I do not have a debt. They claim to be from Direct Recovery Services. They even give a web site www.directrecoveryservices.com on the recording and a reference number. The end of the recording advise you to go to the website to pay. There are two voices.The recording uses threatening language and frightens my children when they hear the recorded message. They say things like " this is our last attempt to contact you, '' " as the law requires, '' " you are not blind sighted by the events taking place, '' " it is absolutely imperative we speak to you today. '' The voice is loud and angry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I had an issue with a flight cancellation in early XXXX that qualified me for the trip protection insurance that is offered to all Chase XXXX XXXX credit card customers. It has been almost 3 months and I still have not received any response. I had followed up with Chase, they keep sending me to a 3rd party insurance provider, who told me that they still have not received any documentation regarding the trip, even though I have uploaded / sent these documents to them 4 times, emailed to follow up and still have heard nothing back. [ Ironically I had even received an email from eclaims, the 3rd party insurance provider, saying that all my documents have been updated. Similarly, when I logged into the claims website it also says that all documents have been uploaded. I asked Chase for help but they told me there is nothing they could do. This is clearly a violation of the contract - which Chase offers to customers that feature.

Company response to consumer: Closed with monetary relief