BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-05
Company: United Shore Financial Services, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on a conventional mortgage with United Wholesale Mortgage ( UWM ) on XX/XX/XXXX. I opted to have my property taxes and home insurance premium included in an escrow account. 

On XX/XX/XXXX XXXX withdrew the XXXX premium from my checking account ( {$510.00} ) based on my auto pay preferences on file. ( XXXX includes a discount ). On XX/XX/XXXX UMW sent a payment to XXXX ( {$530.00} ). XXXX refunded the escrow payment to my checking account. They advised me that I only receive the discount when I pay the premium. I contacted UWM to remove my home insurance from the escrow account. I was advised to wait 6 months and contact them again ( XX/XX/XXXX ). 

I called UWM XXXX ( XXXX ) XXXX on XX/XX/XXXX to request removal of my home insurance premium from my escrow account. I was told that I would have to be reviewed prior to action being taken. The service person returned to the phone to say my request was declined. When I asked why, she said that MN State Law dictates that XXXX XXXX loans do not allow escrow accounts to be change for 5 years from the loan anniversary date. I asked to speak with a supervisor who gave the same reason for denial. I have looked up the explanation in MN State law and it is in there. 

My complaint is that upon reviewing all of my closing documents/disclo-sures, there was nothing citing MN 's law requiring a 5 year waiting period to change my escrow choices. Had I known there was a 5 year waiting period, I would not have opted to have an escrow account for the homeowners insurance. ( I am enclosing pg. XX/XX/XXXX of the closing document " Mortgage '' which addresses Escrow/Loan disclosures [ highlighted in red saying " any time '' ] and is a MN-specific boilerplate form which should have conformed to MN law. Also enclosing pg. 4 of Closing Disclosure addressing Escrow rules and makes NO reference to a 5 year waiting period. 

The Title Company is Legacy Title ( XXXX ) XXXX. I'm not sure if they share in the lack of correct disclosure. 

I also contacted XXXX, as they were requested by UWM to have me sign and return a document that changes the Payer from me to UMW. I was told that XXXX could not bill the discounted amount to UMW. I must sub- mit this form to the XXXX Home Office before XX/XX/XXXX. If this form is not on file, XXXX will not pay UWM 's escrow billing statement, and I will be considered to be uninsured ; UWM can then make me choose an insurance vendor of their choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-28
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Ive tried more than 6 times disputing these facts with Experian but they arent completely comprehending XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
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: Account information incorrect

Complaint:
Good morning, XXXX failed to notify all 3 major Credit Bureau ( Experian, XXXX  and XXXX  ) that the account is now {$0.00} and is closed. Ive filed a dispute with all 3 Credit Bureaus but the account remained open showing a balance. Im approved for the Public Service Loan Forgiveness that erased the entire debt! XXXX sent a letter stating approval and showed the account is {$0.00} but did not notify the 3 Credit Bureaus.

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 2021-09-22
Company: Chime Financial Inc
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Chime bank denied my dispute. I want proof of how they can deny me, IT WASNT ME. I had 2 transactions ( ATM withdrawals ) come out on XX/XX/2021. One was at XXXX XXXX  in the amount of {$400.00}, the other was at XXXX XXXX, in the amount of {$43.00}. I didnt realize my card was missing, but my phone was missing from work on the night of the XXXX. I never thought about my card. On the afternoon of the XXXX of XXXX, my phone appeared back at work, but had been completely reset. Still had not noticed my missing card. Didnt need it. I thought it was strange about my phone, but was happy to have her back. Well on the XXXX I went to get gas, realized my card was missing. But, I tried to use XXXX XXXX ( connected to my chime card ), and it denied me for insufficient funds. Thats when I looked at my account and realized. {$440.00} missing. I immediately made the dispute, and turned in letter that night. Well, today, day 10 provisional credit day, and they deny me. I am losing everything because of this, power, rent, and theres no way they can stand behind their findings, because it was not me that took that money. Someone stole my phone and had fun. They will not really talk to me or give me a good reason for denying me. Wont let me talk to a superior. How can they deny me? I have a police report now, as well. Because there have been numerous cards opened fraudulently in my name as well. Please help me. My email is XXXX. XXXX is my first name. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
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:
Good morning, XXXX failed to notify all 3 major Credit Bureau ( XXXX, XXXX  and Equifax ) that the account is now {$0.00} and is closed. Ive filed a dispute with all 3 Credit Bureaus but the account remained open showing a balance. Im approved for the Public Service Loan Forgiveness that erased the entire debt! XXXX sent a letter stating approval and showed the account is {$0.00} but did not notify the 3 Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I sent a formal complaint regarding bankruptcy on my Equifax credit profile on XX/XX/2021. I received a notice from Equifax ( see attached ) stating they verified this information through XXXX. 

There is no bankruptcy showing with XXXX report ( see attached ) and I demand Equifax removed bankruptcy from my credit profile. This item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in their reporting. Please delete this misleading information and supply a corrected credit profile to me. 

Furthermore, Equifax is in violation to my right to privacy per 15 USC 1681 ( a ) ( 4 ) and per 15 USC 1681 ( e ) ( b ) they are responsible for maintaining an accurate credit report. Per 15USC 1681 ( n ) they are civilly liable for non-compliance. If the account are not removed immediately, I will be forced to seek additional financial compensation in ligation, report you to the XXXX  and my attorney general

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Solomon and Solomon, P.C.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, my husband and I applied for a mortgage. Upon applying, we received a copy of our credit reports. One of the collection debts listed on my credit report is for a utility bill with the the XXXX XXXX XXXX XXXX XXXX XXXX company for {$800.00} from XX/XX/XXXX. The debt collector is Solomon & Solomon P C ( Account # XXXX ). On XX/XX/XXXX, I made a payment on the debt account in the amount of {$600.00}, via credit card. On XX/XX/XXXX, I made a final payment in the amount of {$200.00}, via debit card. The debt was PAID IN FULL. 

On XX/XX/XXXX, I received a notification from XXXX that a new debt collector was reporting a collections account for the XXXX XXXX XXXX XXXX XXXX XXXX company in the amount of {$800.00}. This debt has been paid. 

Solomon and Solomon sold a debt that was paid off. The duplicate account, now owned by XXXX XXXX XXXX XXXX ( Account # XXXX ), is negatively impacting my credit score, and I no longer qualify for a mortgage due to the impact the collection account had on my FICO score and credit worthiness to lenders. 

I paid the {$800.00} debt to Solomon and Solomon, but the payments were not reported, and the collection account is still listed, twice, on my credit report. The account still shows past due, and is being inaccurately reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2020 an automotive company attempted to run my credit report and had issues attempting to get it due to a fraud alert. Please have XXXX, Equifax, and XXXX   remove fraud alerts. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I cashed a state check in Chase Bank and they told me that the check was fake so I went in showed them the check was valid with my With the paperwork that came with it and my state refund it's refund now they told me that they were gon na close my account that the check never cleared the check cleared 8 days they had it cleared in my account and they still closed it the check never bounced I called XXXX XXXX told them to give me my money they have no explanation of why they kept my money and they're not sending my money or why they closed my account They close my account XX/XX/2021 the state confirmed the check cleared into my account this has messed up my credit and stopped all my direct deposits and causing my kids and I alot of burdens the check amount was {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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: Credit inquiries on your report that you don't recognize

Complaint:
I've been a victim of identity theft for quite some time now. I have Unauthorized inquiries that need to be removed. Please help me with this matter. I've been fighting for some time now. I haven't had an auto loan in years, maybe 9-10 years. 

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 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 2020-10-20
Company: Shellpoint Partners, LLC
State: UT
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:
SHELLPOINT is reporting inaccurate information on my credit. I recently checked my credit and noticed I had a few late notations on my file. I applied for forbearance and was accepted. I was advised by a representative of SHELLPOINT that no lates would be reported due to the forbearance status. These lates are inaccurate! I have had multiple accounts with you and have never been late. Also, under the CARES Act you can not report year 2020 lates. I have been a long time customer and am very disappointed about this. I need this removed ASAP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: EQUIFAX, INC.
State: NY
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 have been sending numerous letters to Equifax for them to remove the account that resulted due to the theft of my Identity. The last letter I sent to Equifax was XX/XX/2022 with complete attachments of my Personal information, but despite all my efforts, XXXX seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Equifax investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Equifax to remove the disputed item with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT EQUIFAX REMOVE THE ITEM COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: JPMORGAN CHASE & CO.
State: CO
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX of XXXX  signed up for a vacation club membership totaling {$7200.00} while visiting XXXX. Shortly after reading several XXXX  complaints online, realized this company was known to be fraudulent and not providing services to their customers as promised. Was informed we could cancel said membership @ anytime as long as the services were not used ( which they were not ). After much back and forth with the company, they refused to cancel the membership and stated they would not refund the money either. At this time I decided to file a dispute with Chase Bank over the charges. During, still trying to communicate back to the company and get the issue resolved. Sent many emails, with very little response back and was promised many calls ( no one ever called ). 

As i opened dispute with Chase Bank ( last ditch effort ), as they requested, I provided ALL email correspondence, dates/times calls were promised ( which no calls were received ) and my cancellation letter i sent to the other company. XX/XX/XXXX, Chase sent a letter say the charges were VALID and they would close the dispute accordingly. At that time, I reached back out to Chase and had the dispute reopened as I would try and rebuttal their decision. Chase Bank promised a call to discuss the reopened dispute asap, that never happened. XX/XX/XXXX, received another notice from Chase Bank stating, yet again, they are closing the dispute as valid charges. I contacted them today, XX/XX/XXXX, talked to a supervisor and was told that the dispute should've been filed differently buy a dispute specialist and that since it's been so long since the original dispute was filed, there's nothing they can do to help. 

At this point I am at a complete loss. Can not turn to my financial institute to help support their customer and the company I purchased from WILL NOT come through with services promised and they just will not contact me back about any resolutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
There was an unauthorized hard inquiry on my credit report by XXXXXXXX XXXX XXXX that I did not make on XX/XX/2022

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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2022-01-07
Company: EQUIFAX, INC.
State: FL
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:
Equifax informed me that XXXX XXXX had pulled my report. 

I did not request XX/XX/XXXX to do so. They opened a charge account, days later I received a statement for {$300.00}. ( See copy of statement ) I called XX/XX/XXXX and asked about this, they had my proper mailing address as listed on the statement. However, they did not ship the items to the address on the statement, but to another address, not in Florida. They would not tell me the address. 

The items purchased were, sheets, boots and perfume. I did not purchase these. 

I completed a fraud report for Equifax and mailed ( see copy ) and I also filed a report with the local Sheriff department ( see case # ). Both the Equifax and the local Sheriff dept. directed me to also file this report with the FTC Thanks for your help. 

My name XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
3 months ago I sent a dispute letter for these accounts XXXX, XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX  ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX, and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ). XXXX/XXXX/TransUnion are reporting inaccurate information and they must delete the items in questions. Failure to investigate and remove the inaccurate account is causing great stress to me and my family. I read somewhere that it only takes 20 or 30 days to investigate this matter. More than 40 days have passed and nothing from this company.

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 2023-09-13
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity capital bank violated the Fair Debt Collection Act by called me more than 7 times in a 7 day period and also called me once outside the allowed time to call. 

Hers is a list of times they have called 
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 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 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief