BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Ive been a loyal customer of XXXX XXXX  going on 6 years I have two credit cards with them on XX/XX/2023 credit karma alerted me that XXXX  XXXX had removed my card account ending in XXXX from my transunion credit report and my score dropped XXXX points because of it I called XXXX XXXX and a representative instructed me to mail out a letter to their disputing department explaining what the issue is and how I would like it to be resolved that same day I went to ups and sent a letter out in the letter I explained that my account ending in XXXX was removed from my transunion report and I would like that account to be added back to my transunion report they sent me a letter through the XXXX  XXXX app that stated their investigation has verified that my account ending in XXXX is currently reporting on my credit report but thats not true the trade line itself is only reporting on my XXXX and my XXXX report it is no longer on my transunion report I need them to add it back because its not the same as reporting the utilization I need the trade line as a whole to be added back to my transunion credit report

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 2022-10-06
Company: Experian Information Solutions Inc.
State: NV
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 appreciate you taking the time to DELETE some of the information in my credit file ; however, there are still accounts that need to be DELETED. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian Credit Bureau to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXXXXXX Open Date XX/XX/2013 Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Westcreek Financial
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Made purchase online with XXXX for tires and sensors. Company not able to ship in time so called koalafi to cancel loan. If I dont take delivery in California they can not charge me for the items. They have taken several payments from me and Ive never had the items in my hand to have possession. Calls to agents are a waste/ I want a full refund or will sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
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: Information belongs to someone else

Complaint:
IN REGARDS TO EQUIFAX : XXXX. XXXX  XXXX XXXX GA XXXX I CAN'T CLEARLY UNDERSTAND HOW LONG THIS DATA BREACH COULD POSSIBLY BE GOING. THIS ADDRESS DOES NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX DOES NOT BELONG TO ME AND I HAVE NEVER LIVED AT THIS LOCATION YET EQUIFAX REFUSES TO REMOVE IT WHEN I HAVE LIVED AT MY CURRENT ADDRESS SINCE XX/XX/2004 WHEN MY HOME WAS BUILT. 
EQUIFAX DATA REPORTING IS TRULY FRIVIOULOUS AND SOMETHING NEEDS TO BE DONE ABOUT THIS AGENCY AS THERE NEEDS TIGHTER GOVERNMENT RESTRICTIONS PLACED INTO ACTION ON THEM. I DON'T KNOW IF THIS ADDRESS IS LINKED TO A FRAUDULENT ACCOUNT THAT IS REPORTING ON MY REPORT BUT IT NEEDS TO BE REMOVED ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX You have failed to establish that the information you are reporting is accurate. Instead, you merely provided an entry from a computer screen that, for all intents and purposes, proves nothing. I suggest you carefully review the Fair Credit Billing Act ( FCBA, Title 15 U.S.C. 1601 et. seq. ) before proceeding any further.

To summarize, the FCBA ( see 15 U.S.C. 1666 ) requires that you establish the following : No unauthorized charges occurred.

Charges do not list the wrong date or amount ; There were no charges for goods and services that I didn't accept or weren't delivered as agreed ; You did not make any math errors ; You did not fail to post payments and other credits, such as returns ; You did not fail to send bills to my current address ; Charges for which I asked for an explanation of written proof of purchase along with a claimed error or request for clarification Your next letter must fully establish that the information you are reporting to the credit reporting agencies is accurate.

As required under 1666 of the FCBA, I expect final resolution of this matter within 30 ( THIRTY ) days and look forward to receiving written confirmation of receipt of this demand as well as a detailed description of all actions you have undertaken in acting on this request.

Sincerely,

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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I took XXXX XXXX XXXX in XXXX XXXX. Since XXXX XXXX my account was set upfor Autopay and the payments were going through every month without fail. In XX/XX/XXXX for some technical reason not relatedto me, Autopay didn't go through for XXXX and XXXX of XXXX ( I later in XX/XX/XXXX learned from XXXX customer service that autopay was disabled by the XXXX due to a sales tax increase by the government resulted in an increase in my monthly payment ). I cleared late payments as soon as I was made aware of the issue in XX/XX/XXXX and re-enabled autopay. This was reported to the credit bureau and it is affecting my rating very badly even though I have been a loyal customer of XXXX and made all payments on time. I tried contacting XXXX customer care and they didn't help me with this. On XX/XX/XXXX I was transferred to the Credit Reporting department by the customer care team ( I might have gotten the name wrong ) and a lady spoke to me from that department, acknowledged my payments were set up for autopay and observed a similar issue ( of autopay not going through ) with other customers with autopay enabled for more than a year. She guided me to report the issue to the credit unions and she suggested attaching the autopay statement from XXXX whichwassent to me by her. For some reason, XXXX didn't acknowledge this issue on their end when Transunion and XXXX contacted them. As you clearly see auto pay not going through is not in my control. Yes, I could have realized this sooner but I was going through a COVID situation for myself and my family around that time which kept me busy. In the month XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX claims they tried calling me several times but I didn't see any voicemail evenif it is assumed I have missed their calls due to the XXXX XXXX  I wasgoing through.Please help me with this. I tried explaining this to XXXX several times and they didn't show any empathy about covid situation I was going through and the fact that the autopay disablement was due to XXXX 's reason. I have attached additional evidence about the XXXX  and health situation along with the autopay-enabled email.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12
Company: U.S. BANCORP
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I contacted you guys about a card that was lost. I sent in fax with the receipt and ID. They said they were not able to find this card and only the back office can. It's been 5+ days and the back office refuses to call back.

I called in and talked to a manager ( XXXX XXXX ) who was useless. She said just to wait 3-5 days. when I told her it has been 5 days she just acted like there was nothing she could do at this time. Followed up with why, not at this time? She said it was because the office was closed at XXXX XXXX eastern on a Thursday. So I asked if she could follow up on this for me she said she couldn't because of HIPAA. It's hard for me to use the phone due to a medical condition so I asked for reasonable accommodation of having her check on it for me when the back office is open. 
She refuses to be of any help It's bad when your company refuses to help me with a card. let alone refuses to do a reasonable accommodation for a medical condition so I can get access to a 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 monetary relief
Consumer complaint received 2020-11-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This is a complaint against JP Morgan Chase and the credit cards it issues. Specifically on XX/XX/20 I decided that I no longer wanted to possess an annual fee product called the Chase XXXX XXXX XXXX XXXX card. That evening I spoke to customer service and terminated that product. 
I indicated to the agent that I wanted a similar Chase product without an annual fee and I would apply directly. On a recorded conversation the agent acknowledged the conversation and closed the account but never warned that I would not be eligible to apply myself for 48 months. Based on that the next day XX/XX/20 I applied directly for the no annual fee Chase XXXX XXXX product and in writing was FALSELY told " You already have a XXXX credit card account with us '' - ( Ref # XXXX ). In a XXXX/XXXX/20 letter from the Chase Executive office ( Ref # XXXX ) they claimed that the computer system at Chase did not update in a timely fashion believing that I was applying twice for the same or similar products when in fact I had none. There confusion about a false positive was used as an excuse to deny me consideration for a new product-the first time. In the XX/XX/20 letter ( written as a response to former CFPB Complaint ID # XXXX XXXX Chase Executive Office staff wrote " ... however you can submit a new application if you would like and we will make our decision based on your qualifications. You won't be eligible for any new enrollment offer ... ''. Based on that I reapplied on XX/XX/20 for another Chase XXXX XXXX product and without considering my qualifications was rejected for the second time and told " You earned a new account bonus on a Marriot card in the last 24 months ( Ref # XXXX ). This letter negated the representation of the Chase Executive Office that " ... however you can submit a new application if you would like and we will make our decision based on your qualifications. You won't be eligible for any new enrollment offer ... ''. Regrettably any outreach to the Chase Executive Office became futile. Specifically the XX/XX/20 letter XXXX XXXX XXXX # XXXX XXXX suggests that ... '' If you have any questions please call Txxx at 1-877 ( -omitted confidentially ) - extension # omitted for confidentially. Sadly I placed two calls on XX/XX/20 to Txxx - ( name omitted ) -with one documented voice mail and never the courtesy of a returned phone call. On the second call I asked if anybody at the Chase Executive Office would assist but all inquiries were directly routed to Txxx ( name omitted ) with a resulting non response- If she had returned my call I would simply have asked about an application for a Chase XXXX XXXX with no reward as suggested in the XX/XX/20 letter but she nor anyone else in the Chase Executive Office demonstrated no interest in speaking to me about this concern! Based on these systemic failures by JP Morgan Chase I am requesting third party intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX You have failed to establish that the information you are reporting is accurate. Instead, you merely provided an entry from a computer screen that, for all intents and purposes, proves nothing. I suggest you carefully review the Fair Credit Billing Act ( FCBA, Title 15 U.S.C. 1601 et. seq. ) before proceeding any further.

To summarize, the FCBA ( see 15 U.S.C. 1666 ) requires that you establish the following : No unauthorized charges occurred.

Charges do not list the wrong date or amount ; There were no charges for goods and services that I didn't accept or weren't delivered as agreed ; You did not make any math errors ; You did not fail to post payments and other credits, such as returns ; You did not fail to send bills to my current address ; Charges for which I asked for an explanation of written proof of purchase along with a claimed error or request for clarification Your next letter must fully establish that the information you are reporting to the credit reporting agencies is accurate.

As required under 1666 of the FCBA, I expect final resolution of this matter within 30 ( THIRTY ) days and look forward to receiving written confirmation of receipt of this demand as well as a detailed description of all actions you have undertaken in acting on this request.

Sincerely,

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 2021-03-26
Company: EQUIFAX, INC.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. I feel like i am being taken advantage of and i am being ignored of my dispute section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days give a reason to immediately remove these items from my credit report it has been over 60 days, so they should be deleted promptly i demand these accounts be delete it immediately or i will file for litigation due to the stress you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: TRANSWORLD SYSTEMS INC
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Account servicer University Accounting Service XXXX XXXX # XXXX XXXX reported that I had a past due loan amount. I have been paying on autopay for the past year, paying {$50.00} extra per month. There was not, and has never been, a past due amount in the amount stated. Calling the company, ( a ) I was hung up on twice, ( b ) I waited on hold for more than 30 minutes, and ( c ) when I finally reached someone, I was told to " simply disregard '' the past due amount on the most recent statement. 

My concern is that this servicer 's error has affected many more borrowers than myself. It is unethical ( and potentially illegal ) to report that borrowers are PAST DUE on their accounts. It is inconceivable that I would be past due when my payments were posted and I had been paying extra for many months, even a cursory glance at my account would have shown no past due amount. 

Similarly, the servicer reported that my last payment was {$10.00}, when in fact it was {$160.00}. To the best of my knowledge, no payment for {$10.00} was ever made. 

I am yet to receive confirmation in writing that I have no past due amount, and I would like a regulator to look into this company 's practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was on vacation for the weekend when my phone was stolen along with my wallet which contained my debit and credit card on XX/XX/2019. At the time, I was unaware that the items had been stolen until a few hours later. Upon realizing the items had been stolen, I logged on to XXXX and discovered the thief used my phone to transfer {$3500.00} dollars from my savings to my checking and withdrew in increments of {$500.00} seven times for a total of {$3500.00}. The thief also cash advanced off of my credit card for {$200.00}. The unlock code for my phone screen was the same as the four digit number to access my mobile banking on my phone which apparently was used for the transfer. The same four numbers were also the PIN for my debit card. If the thief had one code they had them all and were able to freely operate my account. I immediately called USAA to report the fraud after discovering this on XXXX. I then visited the local Police Department and filed a report. USAA opened an investigation in to the fraud and sent me an email saying they determined the transactions were not fraudulent. I believe that the reason for determining the transactions were not fraudulent was that the thief had access to my mobile banking as well and could have accepted the security messages that were sent regarding suspicious activity during the time of the transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery Associates continually calls me daily after I have asked them to stop. Most recently they called me back to back 10 times on Saturday, XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: WELLS FARGO & COMPANY
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:
Notified the company that the information reported was inaccurate and false

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 2020-07-10
Company: STERLING JEWELERS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The company sent me to a collection company once I paid the company for a pay and delete they reported it back to Kay jewelers and yet this is still on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: MARINER FINANCE, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a problem in my basement and got sump pump installed in my basement and waterproofing use XXXX XXXX to give me and my husband a loan and told us that it would be 365 days with out no interest and the first 6 month we didnt have to pay well the month XX/XX/2019 we new we had pay but never got a due date and any paper work from XXXX XXXX so we went by are contract that we got from waterproofing specialist when we sign for the loan that it was 365 no interest we got only one call in XXXX never stated in the call who was calling call was drop and never got a call into I called in XXXX to discuss different situation And at that time I was never told anything bout when payment was due at anythime and not even if we didnt make payment. By due date that 365 days would be canceled and wen we took are contract to XXXX that we sign he said it wasnt valid that what he had was valid but never showed us what they had in document and I said I never sign anything with them manger stated he must took my arm off my body and sign very disrespectful And I didnt appreciate that at all the front desk XXXX try explain that we never got welcome letter till that day we went into office well both manger as really rude and didnt want here anything we had to say

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 2019-06-04
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
My bankruptcy should be off my credit report been 7 years now XX/XX/12 now its 7 years please help me get this off my report.

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