BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-08
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:
On XX/XX/2021, disputes was sent to Transunion by certified mail. I asked to receive in writing what information they was refusing to remove and why, never received a response. I asked for in writing what information they used to determine the disputed information was Complete, Accurate, and True 100 %, never received a response. Transunion is required by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. I have asked on more than one occasion that they provide physical proof of compliance and verification of each item listed as disputed. During the reinvestigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. Transunion has stated they verified by notice of bankruptcy court and XXXX XXXX which is not true. It is illegal for bankruptcy courts to make such reports to credit bureaus. XXXX XXXX sent a letter stating they have no file for me. The information disputed is not accurate and should have been deleted before now. Transunion and XXXX are violating XXXX Records Act 42.56.070 ( 8 ) Prohibits the use of public records to be used for commercial purposes selling of public information to banks. The definition of commercial purpose- designed to generate revenue and RCW 4256.070 ( 9 ) bars disclosure by any credit bureau XXXX Therefore, all public records Transunion and XXXX are posting to my credit report illegally. They have not verified in writing what they are mandated by law to inform me of. They was allowed to provide a script generated answer to you that gave them an avenue to further violate my consumer rights.

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 2022-04-01
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I reserved a hotel room for XX/XX/XXXX. It was supposed to be reserve now and pay later but the hotel charged me. I canceled my hotel and received an email saying I would be refunded in full. well 2 weeks later no refund. Hotel couldn't give me info on the refund, so I put a dispute in with XXXX XXXX to get my money back since I had documentations of the refund. My credit score dropped XXXX points. The credit bureaus said XXXX XXXX added a remark to my credit card that it was fraud. I did not report my whole credit as fraud. I have disputed many charges since XXXX and it has never dropped my score. I called XXXX XXXX, and they said it wasn't showing on their end. I need this remark removed from my credit report. There's no reason my score should have dropped almost XXXX points for trying to get my money back that's owed to me when it's not fraud.

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 2020-12-20
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Good evening, I have had a horrible experience with Chase bank, I am in the process of filing a law suit. This bank where I opened my business account with has had such horrible customer service and absolutely no customer protection. I have an online e commerce company, the first time Chase locked my account for 7 days that meant no business no sales no incoming payments for 7 days during the heigh of covid 19. Than after repeatedly hounding them down calling 50x with no answer and being hung up on, they tell me if was their fault and than everything would be fine. Than I check my account 3 weeks later, to find out it is restricted again, this time they sent XXXX in sales back to the customer with no notification to me that their was a dispute nothing. Just sent my money back after the customers got their products 3 weeks after the sale.To follow they have decided to close my business account in the middle of the holiday XXXX shopping season. To date if progression and sales were to follow their average trend i have lost around XXXX XXXX dollars in revenue. Worst bank i have ever dealt with, the only time they do anything is if you mention sueing, they XXXX their own customers over with no amends nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Sent numerous notarized interventions to this creditor on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have yet to respond to this erroneous account with any validation and/ or removal of account. Filling a XXXX  complaint against this creditor as well.

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 2022-04-01
Company: Experian Information Solutions 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 a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

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 2022-04-01
Company: HYUNDAI CAPITAL AMERICA
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of 2021 I was received a delinquent notice on my account. Though I paid for the month of XXXX the company still reported to the credit bureaus that I did not make my payment in time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Chrysalis Holdings LLC
State: SD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced with New Day Financial ( XXXX XXXX XXXX ) He promised me No Payment in XXXX or XXXX, Well my Bank by Mistake made XXXX payment and cancelled it. Well in DEFIANCE New Day Financial Decided to keep my INSURANCE ESCROW CHECK AS PUNISHMENT FOR THIS ACTION. Even though the Full amount of 2022 insurance was added to the refinance paperwork. Many calls lead me in circles, then I get E-Mails from New Day Financial saying they can't reach me??? Their XXXX SURE COULD. AND MY CELL PHONE KEEPS TRACK OF MISSED CALLS AS WELL AS MY HOUSE PHONE. 
They will not refund me the insurance escrow I have coming. Contract date XX/XX/2022. I got a nasty call from New Day Financial on XX/XX/XXXX saying my payment was late and they were going to keep my escrow towards this and I still owed them $ XXXX. This is what started all of this and When I found out they were keeping my MONEY,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Requested XXXX, Experian and XXXX multiple times to remove XXXX accounts listed on my credit file. 
The CRA 's consistently reply that the investigation for accounts is accurate and will remain. 

The accounts in question form Navient show different dates of 1st delinquency on accounts. Now the accounts show that they are newly opened accounts. How can this be? ; they are old charged of accounts, and are now more than six years old. In Massachusetts, accounts older than 6 years of age should be removed from the consumers file. 
Please refer to attached XXXX credit reports. One can clearly see the manipulation of accounts by the furnisher of data ( 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 2017-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Requested XXXX, XXXX and TransUnion multiple times to remove XXXX accounts listed on my credit file. 
The CRA 's consistently reply that the investigation for accounts is accurate and will remain. 

The accounts in question form Navient show different dates of 1st delinquency on accounts. Now the accounts show that they are newly opened accounts. How can this be? ; they are old charged of accounts, and are now more than six years old. In Massachusetts, accounts older than 6 years of age should be removed from the consumers file. 
Please refer to attached XXXX credit reports. One can clearly see the manipulation of accounts by the furnisher of data ( 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 2017-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Credit bureau has not provided the details that were verified with the creditor. I stated there were multiple inaccuracies with XXXX account and it was over 7 years old.  the original deliquency date was somehow removed in XXXX which is now show XXXX with XXXX XXXX. Also, the amount of the debt is incorrect as I have discovered with the creditor should have been {$240.00}

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 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 has violated my rights. 
XXXX XXXX, XXXX has violated my rights. 
XXXX XXXX XXXX, XXXX has violated my rights. 
XXXX XXXX XXXX, XXXX has violated my rights. 
XXXX XXXX, XXXX has violated my rights. 
XXXX XXXX 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 : It 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 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.

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 2022-04-01
Company: Southwest Credit Systems, L.P.
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the debt, and received documentation confirming the debt was paid in full. but the debt has not been removed from my credit report. when i called the creditor they advised me to call the collector. when i called the collector they advised me to call the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Self Financial Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Sent numerous notarized interventions to this creditor on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have yet to respond to this erroneous account with any validation and/ or removal of account. Filling a XXXX  complaint against this creditor as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: NATIONSTAR MORTGAGE LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Paying my mortgage on line, it stated my mortgage will go up almost {$200.00} more per month beginning XXXX2017, due to a shortage with my escrow. However, when I called customer service to get an explanation on how my account is negative ( when I have not missed a payment ), along with me reviewing the payment history on my account, it shows there are SEVERAL large payments that were not posted to my mortgage and went to " unapplied funds '' and a " lender paid expense '' payment of {$16000.00} that was also posted under " unapplied funds ''?!?!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been paying on a {$48000.00} loan since XXXX with a current balance of {$35000.00}. I have paid {$160000.00} with {$150000.00} going just to interest. They tacked on {$29000.00} in capitalized interest over the years. 

I called to tell them that I can not continue to give them a huge chunk of my money that it was unfair that I was not fully informed of what would happen when I deferred payments in the past. I am older, sick and can not work as hard as I was anymore. I do not qualify for any forgiveness options. 

Their option to me was to file yet again for payment deferral. Are they crazy? If it wa n't for deferment this loan would have been paid off a long time ago. 

I was also informed that they will not work with me because my account is in good standing. I feel penalized because I care to protect my credit rating and came to them in good faith before defaulting on this loan. 

I feel so ill and so taken advantage of every month when I make my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: CITIBANK, N.A.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On the XXXX of XXXX, a mobile check deposit for XXXX was done w without my knowledge or any alerts when I am signed up for mobile alerts and email. I did not find out that my account was locked or was going to be closed until Friday the XXXX when my paycheck was not in the account. When I called and asked if it had been deposited they repeatedly told me it had been returned to my employer. So when I called the employer and they hadn't received it back I called customer service and the XXXX XXXX department again and was told the same thing this went on for XXXX days on Sunday when I called Citibank they told me that it was there. I have been requesting to speak to a supervisor since the XXXX and all I am told is that there isn't XXXX available or they will call me in XXXX to XXXX hours here it is a week later and I still haven't received a phone call. And I have made at least XXXX more requests. They are telling me I have XXXX XXXX over XXXX miles to the nearest branch or wait XXXX to 60 days for a check. I have no vehicle right now XXXX XXXX XXXX miles. And then today they are telling me that my social security check wasn't deposited when I called social security they said it was processed so I called the bank again and they found the deposit after I told them what the social security department had said. But they are saying that they can't have it sent to my new bank because they already acce [ pted the deposit but why would they accept it if the account is going to be closed this makes no sense to me maybe you can explain it to me I am going to be evicted if I don't get my check from this bank I know that doesn't matter but it does to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-26
Company: JPMORGAN CHASE & CO.
State: IL
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:
In XXXX XXXX, Chase Bank initiated a foreclosure action against me in XXXX XXXX, Illinois, Case No. XXXX CH XXXX. My answer and affirmative defense was filed. I received a a XXXX settlement, Ref # XXXX in XXXX XXXX. In XXXX XXXX, Chase and I reached a settlement in which I received a cash payment and loan modification. A clear credit clause was not included because my credit was not affected. Immediately following the settlement, Chase reported approximately XXXX late payments to all 3 credit bureaus. Since payments were abated during the litigation, this reporting is inaccurate.The late payments that accrued are now over 7 years old. When I became aware of the issue, I filed disputes with at least two credit bureaus which were denied. I am legally unable to document this matter with the credit bureaus due to the non-disclosure clause in the settlement agreement. I contacted Chase credit department on XXXX XXXX, XXXX to resolve the issue and spoke with XXXX XXXX. My dispute was escalated and denied.On XXXX XXXX, XXXX, I spoke with XXXX XXXX and the matter was escalated. The manager I spoke with told me that I had late payments by looking at her computer screen. I explained the matter and she requested documentation. On XXXX XXXX, at approximately XXXX XXXX CDT, I faxed the attached documentation to Chase.The case was escalated to XXXX XXXX. On XXXX XXXX at XXXX XXXX, Chase employee XXXX XXXX admitted that XXXX XXXX composed a letter of denial on XXXX XXXX, prior to receiving the faxed documents. Chase has not used due diligence in its research and continues to cause me economic hardship, loss of billed time, and emotional distress.

Company response to consumer: Closed with explanation