BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 CXXXX 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 CARD XXXX XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2023-04-26
Company: Experian Information Solutions 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:
Un-Authorized Inquiries 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 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 2021-07-02
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent a mail asking the agency about to validate the debt in XX/XX/2020. I have not received any further communications. I tried to cal them and no one picks up the phone during business hours.

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 2023-08-15
Company: Chime Financial Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been attempting to have this issue resolved for XXXX DAYS now but Chime 's customer support is absolutely atrocious. I have talked to chat support and they told me they couldn't do anything. I emailed and then the case was closed immediately. I emailed again and someone finally got back to me and said " she would look into it '' and then ghosted me ... Then I have had XXXX people in the last week tell me " someone will be in touch shortly '' but every time someone from Chime says that, I get lost in the system and have no follow up. 

So, here is the issue. 

I made my first ever cash deposit with Chime at XXXX XXXX in XXXX, WA on XX/XX/23 in the amount of {$230.00}. I gave the cashier the barcode that my Chime app gave me for depositing, she scanned it and rang the sale through, and gave me the receipt with a number associated with the transaction in case there were any issues. The receipt states it takes up to 24 hours for the funds to appear in your account and Chime 's phone system said XXXX minutes - XXXX hours. 

It has now been XXXX days and the {$230.00} has not been posted to my account. The receipt that XXXX XXXX gave me states it went to a card ending in XXXX, but my cards end in XXXX ( credit ) and XXXX ( debit ). 

The merchant was XXXX XXXX, store number XXXX, address XXXX XXXX XXXX XXXX in XXXX, WA XXXX. The transaction ID number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: SUNCOAST CREDIT UNION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
Background - I was a XXXX of few corporations and i signed in capacity XXXX XXXX of those corporations on their Insurance Policies. We obtained WorkersComp Insurance from XXXX for Fiscal Year XXXX and paid 100 % of premiums at the time of Policy Inception. 

XXXX successfully conluded the Audit in XX/XX/XXXX ( for XXXX policy ), with no additional premium requirements. 

Matter - XXXX failed to correctly report the said numbers to respective Government Agencies. As a result of this Wisconsin Department of Workforce Development notified that we did not pay our premiums. After repeated emails to to XXXX XXXX company from me, they still failed to report it to Wisconsin DWD. I  have records of all the emails sent to XXXX requesting to rectify the records with Wisconsin DWD Wisconsin DOR filed 3 Cases against me Personally and all those cases are appearing on my credit. When i found out, i filed companits with Illinois Department of Insurance and WI Department of Insurance. 

Thereafter XXXX rectified their mistake. 

However, the Public records indicate - JUDGEMENT SATISFIED.

Complaints : 1 ) the cases should not been filed against me personally.

2 ) the status should have been CASE DISMISSED, not Judgement Satisfied 3 ) Due to inaction of XXXX, my credit has been damaged significantly and banks have refused to loans to buy new business - i have proof of all of it. this has deprived me of my future growth. 

thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: ALLY FINANCIAL INC.
State: UT
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 Ally Account XXXX has violated my rights. 

15 USC 1681 Section 602 States that I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit pan as late for any purpose.

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 2022-07-15
Company: MONEY SOURCE, INC., THE
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The Money Source ( XXXX ) holds a mortgage on the home of my elderly mother. The property insurance and real estate taxes ( local , county and school taxes ) are to be paid by XXXX from her Escrow Account. 
Having recently taken over management of my mother 's financial affairs by Power of Attorney, I discovered that XXXX does not timely pay the school tax assessment against her real estate for more than a year, causing the the annual school taxes to accrue interest and costs until such time as a tax lien is placed upon her property. Once a tax lien is assessed against the property does XXXX discharge the tax debt. 
This XXXX practice had caused hundreds of dollars to accrue in interest and penalties on the taxes before being paid -- all of which are paid by mother. In fact, her monthly mortgage payment just increased ~ $ XXXX  monthly because of an escrow deficit which I'm certain is caused by her being assessed costs and interest taxes go unpaid until her property has a tax lien. 
I have written to them twice and yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am angered by the Credit Bureaus ' choice of action and did not completely removed the disputed accounts and information from my Credit file in which the Fair Credit Reporting Act section 605b requires the Credit Reporting Agencies to remove any accounts and information that resulted due to identity theft. Also, the Credit Reporting Agencies have been failing to send me copies of proof of verification or proof of ownership having my legal signatures. This is a clear violation of a consumer 's Rights under the Fair Credit reporting act section 605b. I have discussing with my legal team about the lawsuit that we are willing to file in the event the Credit Bureaus failed to comply with the requests under the FCRA Section 605b. If it is not too much to ask for, I am requesting that the Credit Bureaus remove the following accounts and information completely from my Credit file : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CO XXXX XXXX Original XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX : {$760.00} XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX Owed : {$240.00} XXXX  XXXXXXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX Owed : {$51.00} XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2018, I made a payment from XXXX XXXX XXXX disbursements back to the loan, which was issued on XX/XX/2018. I made this payment, as it was more than what I actually needed of the loan, and as I have discussed many times with Nelnet, my loan service provider, when we make a payment within 120 days of the disbursement of a loan, we would like it to be applied to principal only, as is our right. They did not apply this payment to principal only, but to principal and interest as they are wont to do, and do every time with every loan. I have been repeatedly told by Nelnet that they have it in my notes, and will make sure that this doesn't  happen again, but every time a new loan is dispersed, I have to go through this again, and contact you again. I believe that this is a predatory loan practice, and basically a scam to make even more money off the backs of students.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: Experian Information Solutions Inc.
State: TN
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: Problem with personal statement of dispute

Complaint:
My bankruptcy has failed to provide procedure for verification. They are non compliant and has failed to perform a real investigation I contacted United States Bankruptcy Court and they stated they do not release sensitive information about the consumer bankruptcy to the credit bureaus. I am trying to understand why this inaccurate information is still reporting on my credit report .... Failure to provide the procedure.

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 2021-11-30
Company: NAVY FEDERAL CREDIT UNION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had 6000 stolen from my account. I tried to stop the theft from occuring by calling the bank and telling them my account passwords were changed and compromised. But they kept the account open and 1k was stolen on that night. The bank said that because I still had my card present they couldn't refund me the money. Now my account is negative 1k and I'm so frustrated and feel robbed by them. I even went into the branch and told them and they just assured me I'd be taken car of but we're late submitting my claim. They said it's impossible to duplicate a card but it isnt and they are being duplicated as mine was please help me!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Kubota North America Corporation
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:
Kubota credit USA is unlawfully reporting information on my report and will not remove as requested. They show late payments that per 15 USC 1681a ( 2 ) A ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; are to be excluded from the report. I have asked that the late payments be removed as they are unlawful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX  decided on there own to keep an inactive checking account open for years. I never made any use of the account for years. XXXX XXXX XXXX recently reported to the credit bureaus that I failed to pay them {$77.00} seventy seven dollars as an attack to decrease my credit scores. I never owed XXXX XXXX XXXX XXXX {$77.00} seventy seven dollars which is used as a personal message to attack me because my birth year is XX/XX/XXXX. This account was never in use since XX/XX/2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Collection Management Holdings, LLC
State: WA
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 had XXXX XXXX account on my credit report that isnt belong to me I have tried to disputed it with the credit bureau and XXXX as well.its my information on it but I didnt open it, I work as XXXX in Alaska and most of the time I have prepaid mobile phone if the check on my credit profile you will see that I always have new numbers and some hard inquiries and collections that doesnt belong to me. Out of year I only home for 3 months only. I keep asking my roommate if they take my information for anything I dont know about they keeps lies in my face please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check from a trust account my grandfather set up before he died for {$4700.00}. I get a check from this account t every year in XXXX. This year, I deposited the check on Monday, XX/XX/XXXX. On Tuesday, XX/XX/XXXX, the check had cleared and all of the funds were in my account. Since I knew this check was coming, it is the only income I have for the month of XXXX, so I used that money to pay all of my bills online for XXXX. Later in the day on XX/XX/XXXX I checked my account and my balance was - {$3000.00}. It seems that AFTER they had cleared my check and deposited the funds in my account, they changed their mind and decided to put a hold on the check and they withdrew {$4700.00} from my account to hold for 7 days. Since I had already paid my bills this put my account {$3000.00} in debt. This triggered an overdraft protection payment to cover that debt as well as zeroing out my US Bank Credit card. I will have to pay the interest on these charges. It is completely unethical for a bank to deposit funds into your account and then later on, after you have spent a good portion of those funds, decide to hold those funds and withdraw that money from your account. US Bank should be held accountable for this predatory practice. I will now have to pay interest to US Bank 's overdraft protection and credit card because of this.

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 2023-04-26
Company: World Acceptance Corporation
State: NC
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:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I WAS DENIED CREDIT BY XXXX XXXX XXXX A FEW WEEKS AGO. I WAS SENT A LETTER INSTRUCTING ME TO SPEAK WITH EQUIFAX, SO I CALLED EQUIFAX AND REQUESTED THAT AN OLD FRAUD ALERT, WHICH I WAS TOLD WAS INACTIVE BE REMOVED. AFTER THAT WAS DONE, I APPLIED FOR CREDIT WITH XXXX AGAIN, AND THEY AGAIN DENIED ME SAYING I NEEDED TO ADD A PHONE NUMBER TO MY CONSUMER STATEMENT PORTION. AFTER CALLING EQUIFAX AGAIN, THEY REMOVED A FRAUD INDICATOR ALERT, AT MY REQUEST, AND THEN SAID THE PHONE NUMBER WOULD BE ADDED IN THE NEXT 30 DAYS. THEN, OUT OF THE BLUE, XX/XX/2018, I RECEIVED A LETTER FROM XXXX SAYING THAT " AT YOUR REQUEST, WE HAVE ADDED AN EXTENDED ALERT TO YOUR XXXX CREDIT REPORT. I DID NOT REQUEST THIS, NOR DID I EVER SPEAK TO ANYONE AT XXXX. I ONLY CALLED EQUIFAX, AND I REQUESTED THE FRAUD ALERT BE REMOVED, NOT EXTENDED. I AM NOW UNABLE TO REACH ANYONE AT XXXX, AND I AM UNABLE TO APPLY FOR CREDIT UNTIL THIS IS STRAIGHTENED OUT. I NEED A NEW CREDIT LINE TO PAY FOR MEDICAL EXPENSES THAT CAN NOT WAIT, AND I AM VERY UPSET AND WANT THIS RESOLVED IMMEDIATELY, OR I WILL HAVE TO CONTACT AN ATTORNEY. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened an account with capital one 360 and they will not let me connect to it as a payment method. also and this is even more important my father who has been sick for years sent most of his retirement money to his capital one 360 accouns over {$10000.00}. he didn't know the accounts were restricted cause they never let us know they were restricted or had any reason to restrict them in the first place. Now the money is stuck in there accounts and when u call them about it the department they send u to makes u wait at least 4 hours usually more. they said the accounts were closed but my dad 's money is in there it says when u call and it still veifirs his information. Now he has no retirement, he struggles everyday just to put food on his plate. I don't know what to do. I have asked them to close the accounts and send him his money but they will not listen.bi think they are trying to steal it from him honestly. any help would be greatly appreciated. His Name is XXXX XXXX XXXX email XXXX thanks again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello, In 2016 I had an account with Wells Fargo, I have a confirmed case of Identity Fraud through the IRS and fraudulent activity was conducted through my account. I disputed and put in a claim through Wells Fargo which I won and some but not all funds were reversed back to my account causing my account to be in the negatives and eventually Wells Fargo closing my account because I did not want to be liable for fraudulent activity on my account.

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