BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-19
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We have a HELOC with USBank. Two years ago, on or about XX/XX/XXXX, USBank took out and restricted our online access to our HELOC account, which was the way we had been making payments our HELOC ( we initially got our HELOC in XXXX ). After we noticed that we were not able to pay online and we had no access to our HELOC, we called customer service and were informed that our HELOC was in foreclosure. That was news to us as we were current and never late in any payments. We called and tried to get information from just about every customer service number available for USBank to no avail. We even contacted local USBank managers that we dealt with on a daily basis. These managers were not able to get any information. It wasn't until we threatened one of the managers with a subpoena and a lawsuit that we were given the option to pay only in person and in the branch and then the branch will send the payments to a " secret '' unit in Minnesota to process our payment. We have been doing that for two years now but we have not received any statements, we do not have any notices from USBank as to why our account is in foreclosure and USBank, and all of their representatives, continue to refuse to identify or even provide paperwork of foreclosure proceedings, etc.

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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX  XXXX Balance : {$30000.00}

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 2021-03-30
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX is reporting multiple inquires that do not belong to me. I had never made any inquiries on these accounts. Please see accounts listed below : 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 ; and XXXX XXXX. 
Experian is also falsely reporting multiple inquiries as well that do not belong to me. I had never made any inquires on these accounts. Please see accounts listed below : 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 ; EXPERIAN XXXX XXXX XXXX ; EXPERIAN XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX and EXPERIAN XXXX XXXX XXXX. I do not recognize ANY of these accounts and have never made an inquiry to these creditors. This multiple reporting of inquiries that are not mine is seriously harming my credit score and these items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these items were 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 need to be investigated and corrected for 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

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 2023-01-29
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have tried to log in to my Chime account for the past 4 weeks and I am not able to access my money, or pay bills. I have been on the phone with customer service no less than 6x and each time they state they must elevate to their tech support department and response times are 24*-48 hr. To date no one from Chime has ever contacted me. My last call to them was exactly 98 minutes and no solution, just the same old we are submitting the problem and someone will be getting back to you in 24-48 hours. I'm late on all my bills and desperate to gain access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Experian Information Solutions Inc.
State: ME
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:
Had credit card with XXXX (XXXX) XXXX.  Fell behind on payments in XX/XX/XXXX.  My account was sent to attorney for collection.  In XX/XX/XXXX, a payment arrangement was made for XXXX per month.  I have made 23 monthly payments on time, every month.  However, XXXX is reporting to Experian that my account was charged off and every month they are reporting "Failed to Pay".  In XX/XX/XXXX, I filed a dispute with Experian in which XXXX declared their reporting was correct.On XX/XX/XXXX, I contacted attorney's office and confirmed that all 23 payments have been received and forwarded to XXXX.  I was told to contact XXXX directly to fix credit reporting error. I spoke with XXXX from XXXX and was told they would not remove the Failed to Pay because that was the standing my account was in before it went to the attorney.

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 2023-01-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am requesting XXXX, Equifax, and XXXX request and provide signed copies of all of the disclosures guaranteed to me as a natural person with rights under XXXX XXXX. XXXX ( a ) while the current reinvestigation is taking place into the accuracy of the account listed below by the credit reporting agencies. 

Account Name XXXX  XXXX AND XXXX Account Number XXXX For reference : 15 USC 6803 ( a ) states ; DISCLOSURE REQUIRED- At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title.

I do not recall receiving any such disclosures. I have requested that I be provided with these disclosures within 15 days the request was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
HSBC advertised that I would receive {$150.00} in cash credit on my credit card if Charged {$500.00} within 3 months. I spent this amount within the 3 months. I tried repeatedly to receive the {$150.00} credit! I wrote 2 letters to the bank president. No answer! I was given the executive offrice telephone number. No answer! I left a message and a computer voice said I would receive a call withi 24 hours. No call! I tried again! No call! I was given a consumer help number! But it was not a working nunber! I wanted to know my PIN number bipartisan this was impossible to get as aforementioned!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have filed dispute before but I didnt receive any response. My credit score is being affected due to something which I am not reliable of. 

My credit score shouldnt be hurtled due to some other companies mistakes or until and unless they are entirely sure if I owe the amount and I am reliable to pay it. 

This medical bill debt is giving me a very hard time as its effecting my score, all my efforts have been futile so I thought to file this complaint. 

I was told by police officer to go to the hospital as they saw my condition I was badly XXXX and XXXX. Upon reaching the hospital I provided them my police incident no and was treated as a crime victim. I was told to come back to the hospital and do some paper work we work which I did. Months passed and the collection company never told me I could dispute it while my score kept being hurt over something which I wasnt reliable for. Kindly remove it from my Equifax report Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
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:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$3500.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX XXXX XXXX {$220.00} ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: JPMORGAN CHASE & CO.
State: WA
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 during the XXXX XXXX sales, there was a website that was offering consumer electronics at a discounted price. I wanted to purchase a XXXX console and filled out my card details through a " secure '' transaction form and was charged {$100.00} on my Chase account. The transaction stated that it was done through XXXX by an anonymous pseudoname. Nevertheless, I recieved a tracking number through USPS and it said I would recieve the package in 5 days. Attached is an image of the transaction, the merchant name, date, and amount. 

I wait for 5 days and my package has not arrived. The tracking number says that the package was delivered but there was no package. I call Chase to dispute this transaction because I have not recieved the package and there is no contact information from the merchant. No e-mail, no phone number, no address. No information at all to reach out to the merchant. Chase intially credited back the original amount however, a month later, they charge me again for that amount. 

I call Chase to ask them why I was charged again even though it was disputed and I never recieved the item. They said that because the tracking number says that it was delivered, that means that the burden of proof is on me that I never recieved the package. I called the XXXX about this and provided them the tracking number to invesitgate what happened to this package. The XXXX discovered that the package was never meant to be delivered to my address and that this was a classic case of mail fraud. ( Attached is an email from them. ) You can check the tracking number on USPS website and see that the label was created but never shipped. ( Also attached ). This further proves that this was a case of mail fraud. 

I provided Chase this information and they investigated this issue again but I did not hear back. I call them to ask why I didn't recieve any update and they said they did not change their decision. They said that the matter should be resolved between the merchant and the consumer. There is absolutely no way for me to contact the merchant. I have explained this several times to Chase and provided all this proof and they still reject and ignore my case. I have never seen an investigation team so blind to the facts that they think that I was not a victim of fraud given all this proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX XXXX Balance Owed : {$250.00} XXXX  XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX Balance Owed : {$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 non-monetary relief
Consumer complaint received 2020-09-10
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: Account status incorrect

Complaint:
XXXX XXXX XXXX and Transunion should not be reporting a chargeoff on the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has already gone to judgment and I am making payments. I have attached paperwork for reference regarding this account. This false reporting of a chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2023-01-29
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
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:
So, I financed my mortgage with your company which means there should be no late payments reported on my consumer credit report, all charges are within the amount I originally financed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Received an alert about an account being open with capital one by XXXX on XX/XX/2023, without my permission. Someone has my information and I can not do anything about that but I can have this account closed with my credit report fixed PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Santander Consumer USA Holdings Inc.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I have sent multiple letters to all three credit bureaus and Santander Consumer USA in regards to the charged-off collection account that is reporting on my credit report. The court ruling that issued to Santander in XXXX due to their unlawful lending practices. Based on those rulings, this account should be removed from all three of my credit reports immediately. I reside in XXXX  and use to reside in XXXX XXXX which makes me eligible for this account to be removed. I have attached supporting documents with this compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Complete Credit Solutions, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have two companies trying to collect the same debt from XXXX who was bought out by XXXX. Its the same account. I Have been paying one with one payment left and the other company is still reporting on my credit report that it hasn't been addressed. The first company that reached out to me that I have paid the entire balance to is XXXX at phone number XXXX that I have auto drafted from my account for XXXX a week since XX/XX/2021 after an initial down payment of XXXX on XX/XX/2021 for a total balance of XXXX after this last payment that will come out of my account on XX/XX/2021. The other company reporting on me is Complete Credit Solutions or XXXX XXXX XXXX at XXXX. I am not sure which one is scamming me but the company sold the debt to two different collectors and I find this unfair that I have already satisfied the debt as of this upcoming Friday yet my credit is being impacted negatively

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 2023-06-19
Company: SYNCHRONY FINANCIAL
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:
I am writing this letter in reference to XXXX that your company is currently reporting to XXXX, XXXX and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious XXXX XXXX & will continue to cause me XXXX XXXX XXXX XXXX  until it is resolved.

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 2022-01-07
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: Information belongs to someone else

Complaint:
Not my account.. Already submitted fraud reports to all these companies. Please remove asap

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 2020-10-17
Company: EQUIFAX, INC.
State: IA
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 have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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

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