BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2021-02-26
Company: JPMORGAN CHASE & CO.
State: NC
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: Card was charged for something you did not purchase with the card

Complaint:
On XXXX our Chase card had fraudulent transactions committed on it and we were made aware via text. I stated that these were not my charges and the card was immediately closed. The following few days additional charges appeared. 

XX/XX/XXXX a charge was put through by a XXXX for XXXX. 
XX/XX/XXXX a charge was put through by XXXX for XXXX. 

I had to make subsequent calls in XXXX to again have these charges removed. 

On XX/XX/XXXX these charges once again appeared on my card. I had to call into Chase again to get them removed. The charge for XXXX was immediately taken care of with no questions. 

The charge for XXXX this time they are telling me that i have to submit additional information ( which i did on XX/XX/XXXX after speaking to them ) as they stated after investigation they thought i made this charge - it is not in our order history and does not link to our account. 

I have not been contacted or told any of the resolutions of these items, i can not speak to a supervisor and am never given the same person again to handle my case. I will be closing my account with chase, and wanted to report this as although i have received my money back, if i had not be vigilant in watching my account, i would not have noticed this and they never provided me information back that would allow me to dispute their mistake ( the XXXX charge ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-26
Company: MOHELA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I certified my employment very regularly over the years and particularly during the period covered by the waiver. I had already certified 119 PSLF payments through XXXX XXXX and then, to get the maximum waiver benefits, I applied to consolidate my loans. Since I kept getting conflicting information from Mohela, XXXX, and XXXX, I was planning to wait to submit the final ECF once the consolidation was complete ( Id been initially advised to do it that way ). 

However, XXXX and Mohela dropped the ball with my consolidation, and it got lost or stuck for about 3 months with neither entity working on it. This was despite me repeatedly contacting them about it -- I would just be told to keep waiting and no one seemed to really look into it very seriously. Finally, a rep took a closer look and discovered it was not being worked on. He and multiple other reps have told me that I was the only person this had happened to, as far as they knew. He finally moved my consolidation along, and I submitted my final Employment Confirmation Form for my 120th payment period ( and then some ) in XXXX XXXX 

It took a few months to update my counts in Mohelas online portal. It finally updated in XXXX XXXX XXXX XXXX  ( I stopped submitting ECFs once after that last one ). 

And then nothing. On StudentAid.gov, my data hasnt been updated since XXXX. Mohelas site has my 122 payments certified and has a forbearance letter in my inbox. 

While not the last contact Ive had with Mohela, my conversation with them on XXXX XXXX XXXX was particularly frustrating. The frontline rep was giving me misinformation and didnt know how to help me, so I asked for a supervisor but was told the rep didnt have approval to pass me to a supervisor. Only after I pushed back against her non-answers for about an hour did she finally get me to a supervisor. The supervisor let me know the case had been escalated. They say my case is just waiting to be worked and I just need to wait, but there is no timeline at all ( this is the most current info theyve given me ). I asked a rep if I could potentially be waiting another year, and they said yes. They say that as legislation for defrauded students, veterans, etc. goes through that my case probably gets pushed back in the line, but they dont really know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX and XXXXXXXX XXXX XXXXXXXX Account # XXXX have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Equifax has a totally different credit profile on annualcreditqreport.com. Also, I have provided proof of being a victim of identity theft. I have filed a complaint with XXXX and my next actions will be to have an intent to file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Suntrust Bank XXXX XXXX XXXX XXXX, Tn XXXX phone number : XXXX ( XXXX XXXX ) phone number : Ms. XXXX XXXX ( branch manager ) RSSD # XXXX FDIC-Cert # XXXX On XX/XX/XXXX I opened 7 accounts totaling XXXX with SunTrust Now Truist. Mrs XXXX the bank manager approved for Ms. XXXX XXXX to open the accounts pending that I make arrangements to pay the bank the XXXX owed to the bank. Ms. XXXX and I both spoke with Ms. XXXX XXXX from XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX I called the bank and was informed that I needed to call the bank head quarters XXXX. They informed me my account was flagged and frozen. I was given very confusing information as to why. I was told I would have to wait 15 days for an review of the account and 10-12 days if any money would be mailed to me. On XX/XX/XXXX I filed a complaint with the bank and the XXXX  .On XX/XX/XXXX I called the 800 number listed above and XXXX from consumer care department finally helped and spoke to the back office because I explained that the check deposited was from the XXXX XXXX and accident insurance company ; that i had lost my husband XX/XX/XXXX and our family needed our money back quickly and waiting months was going to be unacceptable. On Friday XX/XX/XXXX I was told by Ms. XXXX that they would be opening back up my accounts. XXXX XXXX from Suntrust now Truist left a voice message on XX/XX/XXXX stating Ms XXXX would call me in 15 or less days concerning my complaint with the XXXX XXXX XXXX. Now on XX/XX/XXXX I was told by Ms. XXXX that they had closed the accounts and on XX/XX/XXXX that they mailed me out 7 checks for each account open. Today XX/XX/XXXX I received false information that " This notice is generated when we receive your request to close your account, or when your account has had a XXXX  balance for 35 consecutive 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 non-monetary relief
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX, original creditor is XXXX XXXX, amount {$270.00} account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

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 2021-02-26
Company: EQUIFAX, INC.
State: WV
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
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: Information belongs to someone else

Complaint:
Experian has consistently allowed wrong and incorrect information to allow my personal credit report. I have contacted Experian for almost 2 years to try and get this information fixed and removed. Each time, Experian uses a different stall tactic. 

Experian has allowed XXXX XXXX XXXX to incorrect add information to my credit report. I contacted XXXX XXXX XXXX and informed them that there is an account that I've never had that is listed on my report. I was informed that this was not my account by XXXX XXXX XXXX XXXX Experian has continued to allow this information to be listed on my credit report. 

I asked them for an investigation of this matter and for proof of documentation that this account is mine. I still yet to receive this information. Also, this is not the only account that and inquiries that Experian has allowed to be put on my credit. 

Experian has also allowed the following accounts to remain on my credit report without a full investigation. These are not my accounts : 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 have fraudulent addresses and names that are not mine attached these accounts.

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 2019-12-03
Company: Midwest Recovery Systems
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to you to complain about Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, MO XXXX. I have found adverse account information listed on my credit reports, XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. I have no known or verified accounts with this business. I did not receive any debt validation correspondence from Midwest Recovery Systems before they unlawfully reported errnous account information. Midwest Recovery Systems continues to report to the three major credit bureaus in violation of federal law. This company unlawfully reported to XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXas recent as XX/XX/2019. Midwest Recovery Systems is continuing to damage my credit rating and has caused me denial of credit by reporting inaccurate information to the three major credit bureaus. The erroneous account is in the amount of {$1600.00}. The account is erroneous and not a result of any transaction that I have made. It is inaccurate and unverified and remain on my credit report causing adverse actions as well as denials of credit and adequate housing. This account has been blocked from my credit reports with all three major bureaus in the past due to identity theft. This is in violation of Federal Law and my rights as a consumer. Please contact me to let me know how to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I did a 1099 A form that was approved by the IRS on the XX/XX/2023. It was mailed to the company. They havent updated my account to paid in full!

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 2020-02-04
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
False promises are given by reps and supervisors. I reached out to Care Credit In XXXX as I had noticed on my statement that my balance had increased dramatically. I was informed my promo had ended and that I was charged the full interest. I asked how I could get this resolved. The rep stated that if I paid my promotional balance in full by XX/XX/XXXX which happened to be my birthday, that they would waive the rest of my balance as it was all interest and late fees. I had been paying double my minimum for a year not realizing that this was doing nothing for my balance due to the fact that my payment was submitted on time however not posted on time and late fees were assessed in the amount of {$220.00} for the year. The rep seemed to understand. Fast forward a week, I submitted a payment of {$410.00} towards my {$830.00} promotional balance. I contacted Care Credit again asking for my interest and fees to be waived. They stated that the promo balance needed to be paid in full first before they could waive anything. Fast forward another week or two. I submitted another payment of {$410.00}. This left my balance of {$580.00}. This is made up of {$430.00} in interest and {$220.00} in late fee 's. My promo balance was now paid in full. I contacted Care Credit again. I let them know my promo balance was paid in full and that I needed the remaining balance waived. They waived the original interest and still continued to charge me interest on a balance made up entirely of late fee 's refusing to waive the late fee 's aside from two equalling {$78.00}. I explained I was promised that if I paid my entire promo balance in full that my account would be wiped to a XXXX  balance as the remaining would only be  interest and late fees. The supervisor told me there is nothing he can do. So they basically tricked me in to pay this large lump sum under an agreement that I would then be in good standings when I followed through with my part they did not follow through with theirs. I now have used all the money I have and am being threatened to be sent to collections over a {$170.00} balance of late fees and interest on my late fees. Safe to say I closed this account as I do not want to deal with this company and it's untruthful ways ever again.

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 monetary relief
Consumer complaint received 2021-11-12
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : TRANSWORLD SYS INC/XXXX To Whom It May Concern : I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time XXXXomeowners Buyers program and I saw two incorrectly trade lines for an account from Transworld for XXXX XXXX , both in the amount of {$380.00}. The account status says past due and it should not say that as this debt is not owed. I am requesting both a validation and " verification '' as well as the signed HIPAA release my signature as the item being reported to XXXX by XXXX is a VIOLATION of the HIPAA Act of 1996.

Transworld did NOT provide me a HIPPA release that releases my medical information to them, therefore by Quest providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against Transworld as well as XXXX XXXX should this item not be deleted within t10 business days and until the debt has been validated and verified. Transworld is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. I am seeking a legal remedy immediately as I have contacted Legal Services to obtain an attorney for free to file suit against Transworld, XXXX XXXX, and all 3 credit bureaus : XXXX, XXXX and XXXX. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from Transworld expeditiously as I have no idea where this debt is coming from and I do not owe this company any money. 

Additionally, I can prove that at the time of service, I was both unemployed and homeless. I completed the financial assistance forms, which should have taken care of any costs associated with my medical care.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Grain Technology, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have autopay setup with Grain Technology , Inc. ; so that payments are drafted automatically from my checking account each month. Grain sends an email ( attached ) stating that Auto-Pay is set up & they will take care of the rest. However on XX/XX/2022 I received an alert from XXXX, XXXX XXXX XXXX that my account with Grain was 30Days past due. Also the same day I received an email from Grain stating " We have lost connectivity into your bank account. '' And finally when I tried to log in to make a manual payment I received a message that said : " Verification Pending '' & I was not able to proceed to make a manual payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out to the company NCA multiple times, and requested documentation on this debt. The documentation they provided me did not have my address or bank account. I informed them that this was not my correct address and Ive never lived in that location. They have continued to ignore and have continue to attempt to collect on a debt that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was purchasing airline tickets through the XXXX XXXX website. Upon checkout I had a total of XXXX. I was then offered a promotion to sign up for the XXXX XXXX XXXX XXXXXXXX XXXX to obtain XXXX statement credit, XXXX miles, and free checked bags for my reservation. I submitted my application was intstantly approved for a credit line of {$13000.00}. There was a message stating the card was ready for immediate use to complete my purchase. After entering the information the transaction was not authorized due to a {$3500.00} initial purchase limit. I called citbank to ask to have the intital limit raised to complete my purchase, they said there was nothing they could do, I even escalated to a manager. This promotion was predatory and misleading. At the point of purchase where the amount was clearly over XXXX it should have been clealry stated I would not be able to use the card for the purchase in which it was being promoted for. I had to give my socail security #, now this card is part of my credit profile, if I cancel it because it was misleading I will have a negative impact on my overall credit score which could imapct my ability to purchase countless products, services, and assets moving forward. I am a prisoner to this card.

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